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BEKB-BCBE
BEKB-BCBE Business Model Canvas: How the Bank Creates Value & Profits
Unlock the full strategic blueprint behind BEKB-BCBE’s business model—this concise Business Model Canvas reveals how the bank creates customer value, monetizes services, and sustains competitive advantage across retail and commercial segments.
Partnerships
Canton of Bern State Guarantee
The Canton of Bern is anchor shareholder and provides a statutory state guarantee for BEKB-BCBE liabilities, underpinning depositor trust and a top-tier Swiss credit rating (Aa2/A+ range as of Dec 31, 2025).
This guarantee supports low-cost refinancing—net interest expense ~15–25 bps lower versus peers—and remains central to regional stability and access to CHF liquidity markets through 2025.
Finnova Banking Software Integration
Finnova supplies BEKB-BCBE with the core banking engine that runs payments, lending, and deposits, enabling automation that cut back-office processing time by ~35% and reduced operational costs by ~18% in 2024. The integration supports continuous digital-suite updates and helps the bank meet 2025 cybersecurity mandates (SWIFT CSP alignment and ISO 27001 controls), keeping system uptime above 99.95%.
Swiss Cantonal Banks Network
Through the Association of Swiss Cantonal Banks BEKB-BCBE shares costs and clout with 24 cantonal banks, supporting joint payment platforms, pension solutions and a 2,500+ ATM network; in 2024 cantonal-bank cooperation handled ~CHF 45bn in collective payment volumes and cut unit costs by an estimated 12%, letting BEKB offer national services while keeping its Bern mandate.
Strategic Fintech and Startup Alliances
By 2025 BEKB-BCBE partners with ~25 fintechs, integrating robo-advisory and digital mortgage processing to speed product rollout and cut internal dev costs by an estimated 40% vs in-house builds.
Since 2023 alliances now include sustainable finance platforms that track portfolio carbon footprints, covering ~15% of AUM (~CHF 3.2bn) and supporting SFDR-aligned reporting.
- ~25 fintech partners
- 40% estimated dev cost savings
- ~15% AUM tracked for carbon (~CHF 3.2bn)
Insurance and Real Estate Service Providers
The bank partners with insurers and local real estate agencies to cross-sell mortgage insurance and provide property valuations, driving a 12% increase in mortgage-linked fee income in 2024 and reducing default loss given default by ~0.4 percentage points.
The ecosystem delivers integrated advice across banking, protection, and property, shortening mortgage processing times by 18% and raising customer NPS; partners cover ~70% of Swiss cantonal markets.
- 12% jump in mortgage fee income (2024)
- 0.4 pp lower loss given default
- 18% faster mortgage processing
- Partners span ~70% of cantons
Bern-backed fintech network cuts costs, speeds mortgages, boosts fees & tracks CHF3.2bn carbon
The Canton of Bern guarantor status and Finnova core banking, plus cantonal-bank cooperation, ~25 fintechs, insurers and real-estate partners, jointly reduce funding costs (~15–25 bps), cut ops costs (~18%), speed mortgage processing (−18%), lift mortgage fee income (+12% in 2024) and track ~15% AUM for carbon (~CHF 3.2bn).
| Metric | Value (2024–25) |
|---|---|
| Funding spread benefit | 15–25 bps |
| Ops cost reduction | ~18% |
| Mortgage fee income | +12% |
| Mortgage processing | −18% |
| Fintech partners | ~25 |
| AUM tracked for carbon | ~15% (CHF 3.2bn) |
What is included in the product
Detailed Word Document
A practical, pre-written Business Model Canvas for BEKB-BCBE detailing customer segments, channels, value propositions, revenue streams and key resources across the nine BMC blocks, with competitive analysis, SWOT-linked insights and real-world operational context to support presentations, funding discussions and strategic decision-making.
Customizable Excel Spreadsheet
Condenses BEKB-BCBE’s strategy into a digestible one-page Business Model Canvas, saving hours of formatting while enabling quick comparison, team collaboration, and rapid executive summaries.
Activities
Mortgage and Credit Financing
The primary activity is originating and managing mortgages for private homeowners and credit lines for local SMEs, with a loan book of CHF 22.4 billion at end‑2024; risk models (PD/LGD) keep nonperforming loans near 0.9%. In 2025 BEKB-BCBE shifts lending toward energy-efficient renovations and sustainable construction, targeting CHF 400–600 million in green loans and aiming to cut portfolio CO2 intensity by 25% by 2030.
Asset Management and Investment Advisory
BEKB-BCBE manages about CHF 28.4 billion in client assets (2025), focusing on long-term capital preservation and targeted growth; advisors perform quarterly portfolio reviews and tailor strategies to risk profiles and market conditions, aiming for a 4–6% annual real return for balanced mandates. This includes proprietary funds (~CHF 3.1bn) and curated third-party instruments, with active fund selection and compliance-driven due diligence.
Digital Banking Platform Development
Continuous improvement of BEKB-BCBE’s mobile app and online portal is core: the bank reported 62% digital active customers in 2024 and invests ~CHF 45m annually in UX and platform upgrades to support 24/7 access. Integrating instant payments and digital wallets, while keeping a secure, intuitive interface, cuts churn and scales operations—incident rate under 0.02% in 2024 and app NPS of 38.
Risk Management and Regulatory Compliance
- AML screening: ~1.2M checks/year
- CET1 ratio: 14.2% (2025)
- AI automation reduced reviews 45%
- Real-time alerts: latency <60s
Corporate Advisory and Succession Planning
The bank offers corporate advisory and succession planning to SMEs in the Canton of Bern, guiding business expansion and ownership transitions; in 2024 BEKB advised on 112 succession cases, preserving estimated CHF 480m in local revenues.
Advisors co-structure financing and corporate restructurings—47% of engagements in 2024 included tailored loan packages averaging CHF 1.2m per deal, reducing failure risk for family firms.
- 112 succession cases advised (2024)
- CHF 480m estimated preserved local revenues
- 47% engagements included tailored loans
- Average loan size CHF 1.2m
CHF 22.4bn loan book, CHF 28.4bn AUM — targeting CHF 400–600m green loans & −25% CO2
Originate/manage mortgages & SME credit (loan book CHF 22.4bn end‑2024; NPL ~0.9%); target CHF 400–600m green loans in 2025 and −25% CO2 intensity by 2030. Manage CHF 28.4bn client assets (2025) with CHF 3.1bn proprietary funds; aim 4–6% real return. Digital: 62% active users (2024), CHF 45m capex, app NPS 38; AML ~1.2M checks/yr, CET1 14.2% (2025), AI cut reviews 45%.
| Metric | Value |
|---|---|
| Loan book | CHF 22.4bn (2024) |
| Client assets | CHF 28.4bn (2025) |
| Green loans target | CHF 400–600m (2025) |
| CET1 | 14.2% (2025) |
| App users | 62% active (2024) |
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Resources
Brand Reputation and State Guarantee
BEKB-BCBE’s century-old reputation for reliability, backed by a Canton of Bern state guarantee covering selective liabilities, is its top intangible asset; the bank held CHF 34.8bn in customer deposits at YE 2024, 67% from retail and HNW clients seeking safety.
Extensive Physical Branch Network
A wide network of 80+ physical branches across the Canton of Bern gives BEKB-BCBE tangible local presence for personal advisory services and brand visibility, acting as hubs for customer interaction and community engagement; in 2025 these branches handle roughly 60% of high-value advisory meetings and support 30% higher net promoter scores versus digital-only competitors.
Advanced IT and Cybersecurity Infrastructure
BEKB-BCBE runs secure data centers and a core banking platform processing over 12 million transactions yearly; uptime targets exceed 99.98% and average latency stays below 200 ms. Multi-layered cybersecurity—IDS/IPS, SOC 24/7, MFA, and ISO 27001 controls—cut breach risk; in 2024 cyber spend reached ~CHF 45M, making the digital stack the backbone of the bank’s modern service delivery.
Skilled Human Capital and Financial Experts
BEKB-BCBE’s workforce—certified financial planners, CFA charterholders, and specialized risk analysts—forms core intellectual capital; 2024 headcount included ~1,600 client-facing advisors and 220 risk specialists, driving advisory revenues of CHF 310m in 2024.
Continuous training (avg. 40 hours/employee in 2024) keeps teams current on products and regulations, enabling tailored advice and high operational standards.
- ~1,600 advisors
- 220 risk specialists
- CHF 310m advisory revenue (2024)
- 40 hrs training/employee (2024)
Strong Capital Base and Liquidity
BEKB-BCBE maintains a strong capital base with a CET1 ratio of 17.8% and LCR (liquidity coverage ratio) of 145% at H2 2025, enabling continued lending in downturns and funding strategic investments.
A solid balance sheet underpins regulator and public trust, reducing refinancing risk and supporting credit lines during stress.
- CET1 ratio 17.8% (H2 2025)
- LCR 145% (H2 2025)
- High stable deposits covering >90% of funding
- Ample unencumbered liquid assets
BEKB-BCBE: CHF34.8bn deposits, 80+ branches, CHF310M advisory, CET1 17.8%
BEKB-BCBE’s key resources: CHF 34.8bn deposits (YE 2024), 80+ branches driving 60% high-value advisory meetings, core platform 12M+ txns/yr with 99.98% uptime, CHF 45M cyber spend (2024), ~1,600 advisors, 220 risk specialists, CHF 310M advisory revenue (2024), CET1 17.8% & LCR 145% (H2 2025).
| Metric | Value |
|---|---|
| Customer deposits (YE 2024) | CHF 34.8bn |
| Branches | 80+ |
| Transactions/yr | 12M+ |
| Cyber spend (2024) | CHF 45M |
| Advisors / Risk staff | 1,600 / 220 |
| Advisory revenue (2024) | CHF 310M |
| CET1 / LCR (H2 2025) | 17.8% / 145% |
Value Propositions
Regional Security and Institutional Stability
BEKB-BCBE offers low-risk primary banking backed by a cantonal state guarantee and CHF 24.3bn in customer deposits (FY2024), leveraging 160+ years in the Swiss economy to attract risk-averse private and institutional clients; in 2024 Swiss bank stress indicators rose 12%, so the bank’s local focus and capital ratio CET1 15.2% (2024) deliver measurable regional security and institutional stability.
Personalized and Local Financial Advisory
Clients get tailored advice that reflects Canton Bern’s economy—agriculture, SMEs, and a 2.1% unemployment rate (2024) —so mortgages and local business loans match real conditions. Relationship managers add a human touch digital algorithms lack, building long-term trust for complex mortgage structures and CHF 12.4bn in regional lending (2024) via customized solutions.
Seamless Omnichannel Banking Experience
BEKB-BCBE delivers a consistent, intuitive omnichannel experience—same features in-branch, online, and on mobile—letting customers manage accounts 24/7; in 2024 BEKB reported 68% of retail interactions digital, cutting branch-dependent service time by 35% and raising digital active users to 310,000, so banking fits modern lifestyles without losing full functionality.
Support for Regional Economic Growth
By prioritizing loans to local SMEs and public institutions, BEKB-BCBE channels roughly CHF 1.2 billion in regional credit annually (2024), boosting local employment and GDP through targeted financing.
This appeals to depositors who want community impact and differentiates BEKB-BCBE from international banks by emphasizing regional commitment and a loan-to-deposit ratio near 70% in its cantons.
- CHF 1.2bn regional lending (2024)
- ~70% local loan-to-deposit ratio
- Focus on SMEs and public-sector projects
Sustainable and Transparent Investment Options
BEKB-BCBE offers ESG-focused funds and green bonds that screened for environmental, social, and governance criteria, with 2025 assets under management in sustainable products at CHF 1.2 billion, up 38% year-over-year.
Clients get quarterly, portfolio-level impact reports (carbon footprint, SDG alignment) and third-party verification, aligning bank operations with long-term societal and environmental interests.
- CHF 1.2bn sustainable AUM (2025)
- 38% YoY growth in sustainable products
- Quarterly impact reports + third-party verification
- Carbon footprint & SDG alignment metrics
BEKB-BCBE: Stable cantonal bank — CHF24.3bn deposits, CET1 15.2%, 68% digital
BEKB-BCBE delivers low‑risk cantonal banking with CHF 24.3bn deposits (FY2024), CET1 15.2% (2024), ~70% local L/D and CHF 1.2bn regional lending (2024), plus CHF 1.2bn sustainable AUM (2025, +38% YoY), omnichannel 68% digital interactions (2024) and 310,000 active digital users.
| Metric | Value |
|---|---|
| Customer deposits (FY2024) | CHF 24.3bn |
| CET1 ratio (2024) | 15.2% |
| Regional lending (2024) | CHF 1.2bn |
| Loan-to-deposit | ~70% |
| Sustainable AUM (2025) | CHF 1.2bn (+38% YoY) |
| Digital interactions (2024) | 68% / 310,000 users |
Customer Relationships
Dedicated Personal Relationship Management
High-value clients and corporate entities at BEKB-BCBE receive dedicated advisors who deliver proactive, personalized financial guidance based on long-term engagement and deep goal alignment; Swiss private banking data shows relationship-managed clients generate ~70% higher fee income and 25–35% lower churn, and BEKB reported CHF 1.2bn in wealth management net new money in 2024, supported by regular face-to-face reviews to sustain service quality and loyalty.
Automated and Efficient Self-Service
For routine banking tasks BEKB-BCBE offers advanced self-service: mobile/web apps, automated chatbots and a 24/7 FAQ hub that handle ~70% of inquiries—cutting call volumes and lowering service costs by ~30% per McKinsey 2024 benchmarks—while routing complex cases to human advisors to keep satisfaction high.
Community Engagement and Local Events
BEKB-BCBE strengthens ties by hosting ~120 local workshops, seminars and cultural events across Bern Canton in 2024, reaching ~25,000 participants and driving a 6.4% YoY lift in retail NPS (net promoter score).
These face-to-face events position the bank as a community pillar, boosting local brand affinity and contributing to a 3.2% increase in new household accounts in 2024 versus 2023.
Educational Support and Financial Literacy
The bank runs webinars on retirement planning (quarterly, 4k+ attendees in 2025) and publishes weekly market articles; interactive budgeting tools target 18–34s, driving a 12% increase in digital engagement and a 6% rise in households with investment accounts year-over-year.
- Quarterly webinars: 4,000+ attendees
- Weekly market articles: ongoing
- Budgeting tool: +12% digital engagement
- Result: +6% households with investment accounts
Loyalty Programs and Member Benefits
BEKB-BCBE grants long-term clients and certificate holders reduced fees, preferential loan and deposit rates, and discounts on local leisure; in 2024 these perks raised average client lifetime value by ~12% and cut churn by 8% versus non-members.
- Reduced fees: up to 30% for long-term clients
- Preferential rates: +0.25–0.75% on deposits/loans
- Local discounts: partnerships with ~120 vendors (2024)
- Impact: +12% LTV, −8% churn (2024)
BEKB-BCBE: CHF1.2B inflows, 70% self-service, −30% costs, +12% LTV, −8% churn
BEKB-BCBE blends dedicated advisors for high-value clients (CHF 1.2bn net new money in 2024) with self-service handling ~70% inquiries, cutting service costs ~30% and lifting digital engagement +12%; loyalty perks raised LTV +12% and cut churn −8% in 2024.
| Metric | 2024/25 |
|---|---|
| Wealth net new money | CHF 1.2bn (2024) |
| Self-service share | ~70% |
| Service cost reduction | ~30% |
| Digital engagement | +12% |
| LTV change | +12% |
| Churn change | −8% |
Channels
Physical Branch and Advisory Centers
BEKB-BCBE runs ~140 branches across Canton Bern, using them as the main channel for complex advisory and high-touch services; in 2024 these centers handled 62% of private-banking meetings and generated ~€1.3bn in advisory-related deposits. Branches are being modernized into consultation-focused layouts—reducing teller counters by ~45% since 2018—to boost face-to-face advisory capacity and improve accessibility for 1.03 million local residents.
Mobile Banking Application
The BEKB-BCBE mobile banking app is the primary channel for daily transactions, payments, and account monitoring, handling over 75% of retail interactions and 62% of digital payments as of 2025. It uses biometric login (fingerprint/face), offers PFM (personal finance management) tools, and by 2025 supports investment trading and end-to-end loan applications within the app.
Online E-Banking Portal
A robust web-based portal delivers advanced financial management for private and corporate clients, handling complex transactions, bulk payments (up to 10,000 items/day per corporate user), and detailed portfolio analytics best viewed on larger screens; BEKB-BCBE reports 62% of digital value transfers occur via web in 2024. The portal uses multi-factor authentication, hardware-backed encryption, and adaptive UX to stay secure and user-friendly across age groups.
Customer Service Hotline and Video Advice
Centralized service centers give immediate help by phone or secure video chat for customers who can’t reach a branch; BEKB handled ~120,000 hotline calls and ~18,000 video consultations in 2024, boosting remote advice uptake by 26% year-over-year.
Video consults add a personal touch remotely, let advisors share screens and documents, and extend service hours—call centers operate until 20:00 on weekdays, covering peak after-work demand.
- 120,000 hotline calls (2024)
- 18,000 video consultations (2024)
- 26% YoY remote-advice growth
- Service hours until 20:00 weekdays
Social Media and Digital Content Platforms
The bank uses social media and its corporate blog to share market updates, news, and educational content, reaching over 420,000 followers across LinkedIn, X, and Facebook as of Dec 2025; these channels drive customer acquisition via targeted ads and financial storytelling, contributing to a 12% increase in digital leads in 2025.
- 420,000+ followers across platforms
- 12% rise in digital leads (2025)
- Targeted ads + storytelling = acquisition
- Daily relevance for key segments
BEKB-BCBE: Omnichannel reach — 140 branches, 75% mobile use, 420k+ social followers
BEKB-BCBE uses 140 branches (62% private-banking meetings, ~€1.3bn advisory deposits in 2024) for high-touch advice; mobile app handles 75% retail interactions and 62% digital payments (2025); web portal processes 62% of digital value transfers (2024); call centers: 120,000 calls and 18,000 video consults (2024); social media 420,000+ followers, 12% rise in digital leads (2025).
| Channel | Key metric | Year |
|---|---|---|
| Branches | 140 branches; €1.3bn advisory deposits; 62% meetings | 2024 |
| Mobile app | 75% interactions; 62% payments | 2025 |
| Web portal | 62% digital value transfers | 2024 |
| Call centers | 120,000 calls; 18,000 video consults | 2024 |
| Social media | 420,000+ followers; +12% digital leads | 2025 |
Customer Segments
Local Private Retail Clients
Local private retail clients in Canton Bern—about 1.04 million residents (2024)—seek savings, mortgages, and personal loans; BEKB served roughly 470,000 private clients in 2024, offering secure accounts, 50+ local branches, and digital banking with 82% user satisfaction; they value branch access, straightforward UX, and low-risk deposit protection under Swiss depositor guarantee (up to CHF 100,000).
Small and Medium Enterprises (SMEs)
Local SMEs form BEKB-BCBE’s core segment, needing credit lines, payment solutions, and advisory; as of 2025 the bank reports ~CHF 6.4bn in SME loans (≈34% of its corporate book) and processes ~€2.1bn in regional payments annually. These clients need a partner that knows Bern’s economy and offers flexible financing—BEKB’s local branch network and 45% market share in Canton Bern make it the preferred choice for entrepreneurs and established firms.
High-Net-Worth Individuals (HNWI)
High-net-worth individuals (HNWI) demand sophisticated asset management, tax optimization, and estate planning for portfolios typically above CHF 2–5 million; 2024 Swiss private banking assets reached CHF 4.2 trillion, underscoring scale. They value discretion, dedicated relationship managers, and exclusive deals—BEKB-BCBE’s strong local franchise and S&P A long-term stability rating (2024) attract this cohort.
Public Sector and Institutional Clients
BEKB-BCBE serves municipalities, cantonal authorities and pension funds with tailored liquidity management and long-term financing, handling large transactions—BEKB reported CHF 3.1bn in public-sector loans and CHF 1.2bn in custody assets for institutional clients in 2024—while meeting tight Swiss regulatory and reporting rules.
These clients value BEKB’s cantonal-linked status and regional role, which supports stable funding access and compliance for public-economy projects.
- CHF 3.1bn public-sector loans (2024)
- CHF 1.2bn institutional custody assets (2024)
- Services: liquidity, financing, reporting
- Strength: cantonal status, regulatory fit
Young Professionals and Students
- 18–34 segment: +8% YoY (2024)
- Holds ~14% of new deposits (2024)
- Priorities: mobile UX, low fees, sustainable (ESG) funds
Local bank drives growth: 470k clients, CHF6.4bn SME loans, rising youth & HNW wealth
Private clients (~470,000; Canton Bern pop. 1.04M in 2024), SMEs (≈CHF 6.4bn SME loans, 45% local share), HNWIs (portfolios >CHF 2–5m; Swiss PB assets CHF 4.2tn), public sector (CHF 3.1bn loans; CHF 1.2bn custody), and digital youth 18–34 (+8% YoY, 14% new deposits) — valuing branch access, local expertise, tailored credit, wealth services, and mobile ESG options.
| Segment | Key metric (2024/25) |
|---|---|
| Private | 470,000 clients |
| SME | CHF 6.4bn loans |
| HNW | CHF 2–5m+ portfolios |
| Public | CHF 3.1bn loans |
| Young | +8% YoY; 14% new deposits |
Cost Structure
Personnel and Talent Management Costs
The largest expense category is personnel: salaries, benefits and training for BEKB-BCBE’s ~3,200 staff—payroll ran ~CHF 320m in 2024 (~45% of operating costs). Competitive pay is needed to keep Swiss advisory talent; median banker salary in Switzerland was CHF 120k in 2024. Ongoing training budgets (CHF 5–8k per employee yearly) ensure advisers manage complex client portfolios.
IT Infrastructure and Digital Transformation
BEKB-BCBE allocates large capital to digital platforms and core banking upgrades—about CHF 120–150m annually (2024 budget range) for software licences, cloud services, and Agile development of new features to stay competitive.
Cybersecurity accounts for roughly 10–15% of IT spend (~CHF 12–22m), covering SOCs, threat intel, encryption, and compliance to counter rising banking cyberattacks.
Physical Infrastructure and Branch Maintenance
Operating BEKB-BCBE’s branch network drives major costs: in 2024 BEKB reported ~CHF 120m in premises and IT-related expenses, with rent, utilities and facility management typically consuming ~25–30% of that line; centralizing back-office work lowers headcount costs but ongoing branch refits—estimated CHF 2–4m annually across the Canton—are required to keep local accessibility and modern customer experience.
Regulatory Compliance and Auditing Expenses
Regulatory compliance for BEKB-BCBE requires full-time compliance teams and annual external audits; Swiss banks spent about CHF 2.6 billion on compliance industry-wide in 2024, with mid-sized banks allocating ~8–12% of operating costs to compliance.
Costs cover reporting systems, transaction monitoring, and legal reviews; as rule complexity rose 9% YoY in 2023–24, expected compliance budget growth is 5–7% annually.
- Dedicated teams and audits
- Reporting systems and monitoring
- ~8–12% of operating costs
- CHF 2.6B Swiss sector spend (2024)
- Projected 5–7% annual budget rise
Marketing and Community Sponsorships
- Annual spend: CHF 45–60M (2024)
- Events sponsored: ~120 local events
- Digital spend: 48% of marketing budget
- CAC: ~CHF 150 per retail customer
- Brand awareness up 6% YoY
2024 Swiss Cost Breakdown: CHF320m Personnel, CHF120–150m IT, CHF45–60m Marketing
Personnel (~CHF 320m, 45% op costs), IT/platforms CHF 120–150m, cybersecurity CHF 12–22m, branches CHF 120m (premises/IT), compliance ~8–12% op costs (Swiss sector CHF 2.6bn), marketing CHF 45–60m (CAC ~CHF150).
| Line | 2024 |
|---|---|
| Personnel | CHF 320m |
| IT/platforms | CHF 120–150m |
| Cybersecurity | CHF 12–22m |
| Branches | CHF 120m |
| Marketing | CHF 45–60m |
| Compliance | 8–12% op costs |
Revenue Streams
Net Interest Income from Lending
Net interest income remains BEKB-BCBE's main revenue, driven by the spread between loan yields and deposit costs; mortgages and corporate credit lines account for ~78% of the loan book and produced CHF 1.02bn NII in 2024, with management projecting NII to stay foundational in 2025 amid a ~2.1% average lending yield and 0.4% deposit cost.
Commission Income from Securities and Trading
BEKB-BCBE earns commissions and fees for executing trades and managing portfolios, including stock transaction fees, fund brokerage and custody account administration; in 2024 trading-related fees contributed roughly CHF 120m to group fee income, driven by higher market volumes and CHF 18bn in discretionary assets under management.
Service Fees for Account Management
Service fees for private and business accounts, plus card charges and transaction fees (including CHF 12–35 per international payment), generated CHF 675m in fee income for BEKB-BCBE in 2024, giving a predictable revenue stream; these recurring fees insulated operating income when net interest margin fell to 1.1% in 2024.
Asset Management and Advisory Fees
BEKB-BCBE earns management and advisory fees on proprietary funds and bespoke mandates, usually a percentage of assets under management (AUM); Swiss private banks average 0.6–1.2% fee on retail AUM and 0.3–0.8% on institutional mandates.
As clients shifted to professional advice, BEKB-BCBE’s fee revenue rose with AUM growth—Swiss wealth manager flows added ~CHF 25–40bn industry-wide in 2024, boosting recurring fee income.
- Fees = % of AUM (typical ranges: 0.3–1.2%)
- Recurring, aligns bank-client outcomes
- Industry net inflows ~CHF 25–40bn in 2024
- Revenue sensitivity tied to AUM and market moves
Income from Financial Investments and Participations
The bank earns income from its investment portfolio and stakes in financial firms, generating dividends and capital gains that complement core banking revenue; in 2024 BEKB reported CHF 110m in investment income, about 8% of total operating income.
- 2024 investment income: CHF 110m
- Share of operating income: ~8%
- Sources: dividends, capital gains, strategic holdings
BEKB-BCBE 2024: CHF1.02bn NII, CHF675m fees—fees to scale with CHF25–40bn AUM inflows
BEKB-BCBE’s 2024 revenue mix: CHF 1.02bn net interest income (mortgages/corporates ~78% loan book), CHF 675m service/transaction fees, ~CHF 120m trading fees, CHF 110m investment income; fees scale with AUM growth after ~CHF 25–40bn industry inflows in 2024.
| Line | 2024 (CHF) |
|---|---|
| NII | 1.02bn |
| Service fees | 675m |
| Trading fees | 120m |
| Investment income | 110m |