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Thurgauer Kantonalbank
Thurgauer Kantonalbank (TKBP) investor relations material
Thurgauer Kantonalbank H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary19 Feb, 2026
Executive summary
Achieved record annual profit of CHF 162.3 million, up 2.7% year-over-year, with a 5.1% increase in operating profit to CHF 230 million.
Dividend per participation certificate increased by CHF 0.20 to CHF 3.60, with a payout ratio of 43.6%; profit distribution to the canton increased by CHF 3 million.
Strong capital position with a capital ratio of 21%, well above regulatory requirements.
Customer base expanded by 5,500 net new clients; customer loans grew by 1.4% to CHF 27.4 billion; customer assets reached CHF 28.7 billion.
Cost-income ratio improved to 44.4%, reflecting high operational efficiency.
Financial highlights
Net interest income rose by 2.3% to CHF 307.6 million; operating income increased by 4.5% to CHF 439.1 million.
Commission and service income increased by 8.6% to CHF 87.2 million; trading income stable at CHF 45.3 million (+0.8%).
Total assets grew by 1.7% to CHF 36.04 billion; customer deposits up 1.7% to CHF 19.39 billion.
Net new money inflow of CHF 944 million (+160.1%), representing 3.5% of managed assets.
Operating expenses increased by 2.7% to CHF 197.7 million, mainly due to strategic initiatives and higher staff levels.
Outlook and guidance
Expectation of a challenging interest rate environment and volatile financial markets in 2026; lower operating profit and net profit anticipated.
Continued focus on digitalization, hybrid banking, and strengthening private banking; corporate strategy under review.
No reduction in workforce; organizational changes to be implemented at the start of 2026.
Refinancing impact on lending growth?
Basel III Final impact on capital?
Drivers of 160% net new money growth?
What specific headwinds impact 2026 profit outlook?
How will new structure sharpen TKB's investment profile?
How will TKB maintain its low Cost-Income-Ratio?
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Next Thurgauer Kantonalbank earnings date
H1 202613 Aug, 2026
Thurgauer Kantonalbank
Next Thurgauer Kantonalbank earnings date
H1 202613 Aug, 2026
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Frequently asked questions
Thurgauer Kantonalbank is a Swiss regional bank providing a comprehensive range of financial services to individuals, businesses, and institutions. The bank’s offerings include retail and commercial banking, wealth management, mortgage lending, investment advisory, and financing solutions. Focused on serving the Thurgau region, TKB supports local economic growth by offering tailored banking products and services for private and corporate clients. The company is headquartered in Weinfelden, Switzerland, and its shares are listed on the SIX.
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