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Julius Bär Gruppe (BAER) investor relations material
Julius Bär Gruppe H1 2025 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Underlying net profit rose 11% year-over-year to CHF 511 million, driven by improved core business performance and cost efficiency, while IFRS net profit fell 35% to CHF 295 million due to credit losses and the Brazil sale.
Net new money inflows more than doubled year-over-year to CHF 7.9 billion, with strong contributions from Asia, Western Europe, and the Middle East.
Assets under management decreased 3% year-to-date to CHF 483 billion, mainly due to the Brazil business sale and currency effects.
The company is executing its strategic agenda for 2026–2028, focusing on growth, efficiency, risk management, technology, and culture.
The group remains solidly capitalised, with CET1 capital ratio at 15.6% and liquidity coverage ratio at 303%.
Financial highlights
Underlying operating income rose 5% year-over-year to CHF 2,040 million, while adjusted operating income excluding credit losses was up 5%.
Adjusted profit before taxes up 11% to CHF 614 million; adjusted EPS up 11% to CHF 2.49.
IFRS net profit impacted by CHF 130 million net credit losses and CHF 99 million loss from Brazil sale.
Net interest income dropped 68% year-over-year to CHF 72 million, offset by a 27% rise in net income from financial instruments at FVTPL.
Underlying cost/income ratio improved to 68.2%, down 3 percentage points year-over-year.
Outlook and guidance
Financial targets for 2026–2028: net new money growth of 4–5% per annum, adjusted cost/income ratio below 67%, and return on CET1 above 30% by 2028.
On track to achieve CHF 130 million in additional cost savings on a run rate basis by end of 2025.
Management expects to restore positive operating leverage and deliver long-term shareholder value.
Tax rate guidance for 2025–2027 remains at 18–20%.
Credit penetration expected to remain stable; no major market deterioration assumed.
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