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Banque Cantonale Vaudoise (BCVN) investor relations material
Banque Cantonale Vaudoise H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary21 Aug, 2025
Executive summary
Business volumes and assets under management grew across all client segments, with revenues stable at CHF 579m despite a challenging interest-rate environment and macroeconomic headwinds.
Net profit reached CHF 215m, down 3% year-over-year, marking the third-highest semester result in company history after two record years.
Strong financial and ESG ratings were maintained, reaffirmed by major agencies.
Dividend payout increased to CHF 4.40 per share, totaling CHF 379m, with all AGM agenda items approved.
Assets under management rose to CHF 126.5bn, up 2% from year-end 2024, driven by positive market performance and net new money.
Financial highlights
Revenues remained stable at CHF 579m, with net interest income down 8% to CHF 268m, fee and commission income up 8% to CHF 196m, and trading income up 11% to CHF 99m.
Operating profit declined 3% to CHF 251m; operating expenses remained stable at CHF 282m.
Cost/income ratio increased to 56.2% due to stable revenue and slightly higher costs.
Total assets grew 1% to CHF 61.2bn.
Loan impairment charges were negative, indicating reversals and a positive economic environment.
Outlook and guidance
Swiss and Vaud economies remain resilient, supported by strong fundamentals, but growth forecasts have been revised downward due to global tariffs and geopolitical tensions; a recession cannot be ruled out.
The SNB cut its policy rate to 0% in June 2025 to support the economy.
Net interest income is expected to face continued pressure if rates remain at zero; commission business may offset some decline.
U.S. tariffs and a weaker dollar may marginally impact growth, but no significant recession is expected.
Explain drivers of Wealth Management AUM growth.
Assess impact of US tariffs on Corporate Banking.
How did SNB rate cuts affect net interest income?
SME portfolio risk from US tariffs?
Negative rates impact on net interest margin?
CS/UBS merger impact on competition by segment?
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Next Banque Cantonale Vaudoise earnings date
H2 202512 Feb, 2026
Next Banque Cantonale Vaudoise earnings date
H2 202512 Feb, 2026
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Frequently asked questions
Banque Cantonale Vaudoise is a Swiss regional bank that provides a broad range of financial services to individuals, businesses, and institutions. Its offerings include retail banking services such as savings and checking accounts, mortgages, loans, and credit cards, as well as wealth management, investment services, and corporate banking. BCV primarily serves the Canton of Vaud, focusing on personal banking, small and medium-sized enterprises (SMEs), and institutional clients, with an emphasis on regional economic development and financial stability. The company is headquartered in Lausanne, Switzerland, and its shares are listed on the SIX.
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