Raiffeisen: continuous growth and high activity in foresight and placement operations

From January to the end of June, the operating profit bent at 13.7% to 670 million, a statement said on Wednesday. Consequently, The relationship between costs and income took 3.9 percentage points at 59.2%. Meanwhile,

• Increased loans and customer credits of 6.0 billion francs, 40% of which are in operations with customers companies
• Strong growth in customer deposits of 5.5 billion francs at 220 billion francs
• Continuation of the diversification of income – 9.1% increase in the result of commission operations. Therefore, service provisions
• Net influx of money high fees in the pension and placement deposits of 2.1 billion francs. Furthermore, 30,000 new open-owners
• Recoil in accordance with the forecasts of the net income of interest operations of 107 million francs (-7.5%) due to the decreases of the master rate by the Swiss National Bank (BNS)
• The semi-annual profit fell raiffeisen: continuous growth high activity by. Meanwhile, 87 million francs (-13.6%) as expected. For example, but is maintained at a good level with 555 million francs
• Consolidation of the customer base in operations with private customers and businesses – nearly 19,000 new customers and new customers

The Raiffeisen group experienced a first positive semester. Nevertheless, With 555 million francs, the profit is at a good level. Similarly, The decline of 13.6% compared to the same period of the previous financial year complies with expectations. Nevertheless, notably reflects the decline in interest operations due to the decreases of the master rate of the Swiss National Bank. However,

Christian Poerschke. However, president of the interim advertisement of Raiffeisen Switzerland, indicates about the semi -annual result: “In a demanding market context, we have recorded pleasant growth in all operational sectors. Additionally, However, I am particularly delighted that the share of neutral operations in the operating raiffeisen: continuous growth high activity result continued to increase. Consequently, This shows that we are on the right track with our strategic ambition to diversify income. Furthermore, ”

Strong growth in foresight and placement operations

Mortgage claims increased by 5.5 billion francs to 226 billion francs (+2.5%) in the first half. Consequently, Raiffeisen was able to strengthen its position on the market and extend its market share to 18.3%. Nevertheless, The other clientele claims increased by 413 million francs, by 3.4%, to be 13 billion francs. However, Total loans and customer credits are 239 billion francs. In addition, With 2.4 billion francs, operations with business customers have largely contributed to growth. Furthermore, Raiffeisen continues to bet on qualitative growth. The share of value corrections for compromise receivables (0.137% of loans. customer credits) remains at an always low level and has even slightly decreased compared to the end of the previous financial year. This raiffeisen: continuous growth high activity reflects the always solid situation in matters of risk and testifies to the prudent risk policy of the group. Customer deposits have increased sharply in the first half, by 5.5 billion francs (+2.6%) to reach 220 billion francs. Thus, 92.2% of loans and credits are covered by customer funds. Continuous growth is based on a large base, assets and liabilities in all regions of Switzerland.

Growth has also continued in foresight and investment operations. The net of net money in the title deposits remains high with 2.1 billion francs for the first half. In the first six months of the year. nearly 30,000 new deposits were opened, an increase of about 50% compared to the same period in the previous year. Overall, the volume of the title deposits increased by 3.4 billion francs to 55.3 billion francs due to the new influx of capital and the positive market performance. The raiffeisen: continuous growth high activity main drivers of the growth of assets under management were the wealth management mandates. with an increase in the number and the volume of 17%. The number of pension (+8.3%) and deposit deposits of investment fund savings (+7.2%) has also experienced a delightful development which testifies to the confidence of customers. customers in the competence of Raiffeisen in terms of investments.

Result on interest according to expectations. less than the previous year

The success of provident and investment operations is also reflected in the development of income. The result of commission operations. services increased by 31 million francs compared to the same period for the previous year, to be 366 million francs (+9.1%). The result of trading operations increased by 11 million francs (+8.5%) to be 136 million francs. As expected, the result on interest is lower than that of the previous year. This is due to the raiffeisen: continuous growth high activity decreases of the master rate by the Swiss National Bank in the first half of 2025. The net profit of interest operations was 1.3 billion francs, or 107.1 million, or 7.5%, less than over the same period for the previous year. On the charges side, targeted investments in customer customer advice are reflected in higher operating expenses. Although the workforce only increased slightly in the first half of 2025. with 32 additional personnel units, the increase in the previous year results in an increase in staff charges of 823.9 million francs. This corresponds to an increase of 31.7 million francs, or 4.0%. The other operating expenses increased by 12.7 million francs (+4.4%) to be 300.3 million francs. The Cost Incoma Ratio increased to 59.2%.

Continuous strengthening of equity

In the first half of 2025. Raiffeisen was able to further strengthen his equity and funds intended to absorb losses, raiffeisen: continuous growth high activity to 27.4 billion francs. The implementation within the deadlines for prescriptions relating to the “Basel III final” equity applicable on January 1. 2025 had a positive effect on the weighted risk analysis at Raiffeisen. As of June 30, 2025, the weighted Tlac ratio depending on the risk was 27.6% and has therefore further improved since the end of last year, where it was already at a high level. The share of unwindled funds, namely the Tlac lever ratio, which amounts to 8.6%, is also at a very good level and clearly above regulatory requirements. Raiffeisen thus benefits from excellent capitalization. is one of the best rated banks in the world according to international rating agencies.

Perspectives

American customs policy, geopolitical uncertainties and lack of demand weigh on global growth. Consequently, the economic situation should, in our opinion, lose momentum also in Switzerland in the second half. Swiss raiffeisen: continuous growth high activity Raiffeisen economists foresee a growth in Swiss GDP of 0.9% in 2025. Raiffeisen tables on a volatility still high in the financial markets in the second half. The context of zero rate continues to plead in favor of investments in real values such as actions. real estate and precious metals. From an already high level, price dynamics on the housing market in property should still accelerate during the year. The market context remains demanding. Regarding interest operations. Raiffeisen table for the second semester on a slightly better result than in the first half of 2025, despite the persistent pressure on the margins. The result of commission operations and services should evolve above the level of the previous year. Overall. Raiffeisen provides for a solid business development for the rest of the year, while tabling on a result that will not be at the level of the previous exercise.