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EFG International
EFG International (EFGN) investor relations material
EFG International H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary18 Feb, 2026
Executive summary
Achieved record net profit of CHF 325 million in 2025, driven by strong organic growth, M&A activity, and disciplined execution, marking the end of a highly profitable 2023-2025 cycle.
Assets under management reached an all-time high of CHF 185 billion, up 12%, fueled by CHF 11.3 billion net new assets and acquisitions.
Operating profit rose 26% to CHF 493 million, with record operating income and resilient revenue margin.
Proposed a record dividend per share of CHF 0.65, up 8%, marking five consecutive years of increases.
Continued de-risking and resolution of legacy matters, including a CHF 59.5 million legal provision offset by insurance recovery.
Financial highlights
Operating income increased 11% year-over-year to CHF 1,669 million, with revenue margin at 98 bps (up from 96 bps in 2024).
IFRS net profit reached CHF 325 million, the highest on record.
Cost/income ratio improved to 69.8%, below the 70% threshold.
Return on tangible equity was 18.2%, above the target range.
Basic earnings per share increased to CHF 1.03.
Outlook and guidance
Entering 2026-2028 cycle with targets: 4%-6% NNA growth, revenue margin >85 bps, cost/income ratio at 68%, and 20% return on tangible equity.
Strategic investments and targeted cost measures expected to deliver CHF 70-80 million in savings by end-2028.
Focus on integrating recent acquisitions, margin protection, and continued M&A to complement organic growth.
Anticipates macroeconomic headwinds in 2026, including lower USD exchange rate and interest rates.
Committed to double-digit net profit growth (~15%) and maintaining high capital ratios.
Revenue margin sensitivity to interest rates
CET1 ratio trajectory with M&A and buybacks
Remaining PIFSS legal case financial exposure?
Outline path to 20% RoTE target by 2028
Quantify 2026 M&A profit contribution
Expected impact of augmented CROs on revenue/cost?
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Next EFG International earnings date
H1 202622 Jul, 2026
EFG International
Next EFG International earnings date
H1 202622 Jul, 2026
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Frequently asked questions
EFG International AG is a global private banking group headquartered in Zurich, Switzerland. Founded in 1995, the company provides private banking and asset management services across Europe, Asia Pacific, the Americas, and the Middle East. With a focus on private and institutional clients, EFG International offers a comprehensive range of investment, wealth, and credit solutions tailored to meet individual client needs. The company is headquartered in Zurich, Switzerland, and its shares are listed on the SIX.
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