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Valiant Holding (VATN) investor relations material
Valiant Holding Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary25 Jul, 2025
Executive summary
Consolidated profit rose 3.0% year-over-year to CHF 73.4 million, with operating result down 2.9% after a strong prior year.
Strategy 2024 laid the foundation for Valiant 2029, emphasizing profitable income growth, diversification, and sustainability.
Expansion into new regions and digital channels aims to increase client base and share of wallet.
Fee and commission income grew 7.7% to CHF 47.8 million, surpassing CHF 45 million for the first time.
The capital ratio remains strong at 16.8%, well above regulatory requirements.
Financial highlights
Operating income including value adjustments decreased 0.9% year-over-year; net interest margin narrowed by 4bp to 109bp.
Commission business and services income grew 7.7% year-over-year, driven by securities trading and investment activities.
Customer assets increased by CHF 664 million (+2.0%) and customer assets invested rose by CHF 577 million (+5.2%).
Dividend proposed to increase by CHF 0.30 to CHF 5.80 per share for 2024.
Operating expenses increased slightly by 0.8% to CHF 150.4 million, reflecting investments in digital transformation and employer marketing.
Outlook and guidance
Targets for 2029: >2% annual loan growth, >5% annual growth in commission business and services, RoE >7%, CET1 ratio 15-17%, and annual dividend growth with payout ratio >50%.
Cost/income ratio targeted below 55% before depreciation.
Consolidated profit is expected to be slightly higher for the full year.
Continued focus on digitalization, efficiency, and sustainability to drive profitability.
How did active loan portfolio management affect loans?
Explain the increase in securities trading income.
What strategic factors influenced operating expenses?
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Next Valiant Holding earnings date
Q3 20256 Nov, 2025
Next Valiant Holding earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
Valiant Holding AG is a Swiss financial services company providing a range of banking services for individuals, small businesses, and corporate clients. The company offers traditional banking products, including savings and checking accounts, personal and commercial loans, mortgages, and investment advisory services. Valiant focuses on serving customers across Switzerland, emphasizing personalized service and digital banking options for enhanced convenience. Additionally, Valiant provides wealth management and financial planning solutions. The company is headquartered in Lucerne, Switzerland, and its shares are listed on the SIX Swiss Exchange.
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