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St Galler Kantonalbank (SGKN) investor relations material
St Galler Kantonalbank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary12 Aug, 2025
Executive summary
Net profit for H1 2025 increased by 13.6% year-over-year to CHF 114.1 million, driven by higher interest and commission income.
Total assets rose to CHF 47.2 billion as of June 30, 2025, reflecting growth in customer loans and deposits.
Share price appreciated by 10.17% in H1 2025, closing at CHF 482.00.
Financial highlights
Operating income grew by 9.8% year-over-year to CHF 301.8 million in H1 2025.
Operating expenses increased by 6.8% to CHF 159.8 million.
Earnings per share reached CHF 19.07, up from CHF 16.77 in the prior year period.
Return on equity improved to 7.7% from 7.1% year-over-year.
Cost/income ratio improved to 52.4% from 54.1% year-over-year.
Outlook and guidance
Dividend per share maintained at CHF 19.00 for the 2024 financial year.
Management signals continued focus on efficiency and capital strength.
What caused the net interest income increase?
Describe changes in funding structure
What drove the improved Cost/Income ratio?
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Next St Galler Kantonalbank earnings date
H2 20253 Mar, 2026
Next St Galler Kantonalbank earnings date
H2 20253 Mar, 2026
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Frequently asked questions
St. Galler Kantonalbank AG is a Swiss regional bank providing a range of banking and financial services, including personal and business banking, wealth management, and investment advisory services. The bank primarily serves individuals, small to medium-sized enterprises, and institutional clients, with a focus on the St. Gallen region. St. Galler Kantonalbank offers products such as loans, savings accounts, mortgages, and asset management solutions, emphasizing local expertise and personalized client services. The company is headquartered in St. Gallen, Switzerland, and its shares are listed on the SIX Swiss Exchange.
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