Banque Cantonale de Genève (BCGE) investor relations material

Executive summary

• Achieved record half-year performance with operating profit up 24.7% to CHF 138 million and net profit up 26.2% to CHF 119 million compared to the same period last year.

• All business lines contributed to growth, with revenues rising 12.3% to CHF 310 million and assets under management up 3.7% to CHF 41.9 billion.

• Lending increased by 2.1% to CHF 21.8 billion, with mortgage loans comprising 43% of the balance sheet.

• Shareholders' equity grew 2.6% to CHF 2.6 billion, supporting a strong capital position.

• Disciplined cost control and limited credit losses maintained despite economic volatility.

Financial highlights

• Operating income rose 12.3% year-over-year to CHF 310.5 million; operating expenses increased 3.3% to CHF 156.9 million.

• Net interest income up 10.1% to CHF 181 million; fee and commission income up 11.1% to CHF 85.7 million; trading income up 11.1% to CHF 23.1 million.

• Cost/income ratio improved to 50.5% (down 4.4 percentage points year-over-year).

• Dividend per share approved at CHF 0.70.

• Loans granted increased to CHF 21.8 billion (+2.1%), and assets under management and administration grew to CHF 41.9 billion (+3.7%).

Outlook and guidance

• Expects to improve upon 2025 results in 2026, reflecting strong business momentum and disciplined risk management.

• Macroeconomic outlook for Switzerland anticipates moderate GDP growth, low inflation, and stable interest rates.