Banque Cantonale du Jura (BCJ) H1 2025 earnings summary

Executive summary

• Delivered solid first-half 2025 results despite a lower interest rate environment, with operational and net profit declining from record 2024 levels but remaining robust.

Financial highlights

• Operating profit reached CHF 16.6 million, down 16.3% year-over-year.

• Net profit for the half-year was CHF 8.9 million, a 13.3% decrease compared to the same period last year.

• Net interest income totaled CHF 27.7 million, down 3.3% year-over-year due to lower rates.

• Commission and trading income was CHF 9.3 million, slightly lower than the previous year.

• Operating expenses increased by CHF 1.8 million to CHF 19.0 million, mainly from higher personnel costs.

Outlook and guidance

• Full-year 2025 operating profit is expected to be lower than the record 2024, in line with previous guidance.