The bank operates through four divisions: Retail Banking, Private Banking, Corporate Banking, and Asset Management & Trading. The bank serves both individual and business clients, with a particular focus on small and medium-sized enterprises (SMEs), offering digital banking solutions and a wide array of investment services.
Cyborg Score Rationale
BCV maintains solid fundamentals with total assets of CHF61.2B, total deposits of CHF38.6B, and total loans of CHF41.2B. The bank has an appropriate level of bad loans at 0.3%. However, profitability metrics show recent softness with net income declining in 2024.
Top Insights
2024 revenue of $1.9B, up 5.6% year-over-year, but net income declined 6.3%, indicating margin compression
Loans-to-deposits ratio of 107% is appropriate, showing balanced funding and lending
Weekly volatility of 2% indicates stable stock performance over the past year
Strong SME focus positioning BCV as a key financial partner for regional mid-market businesses
Named Competitors
UBS — Large Swiss global banking conglomerate
Raiffeisen — Major Swiss universal and cooperative banking network
PostFinance — Swiss retail and SME banking services
Recent Developments
(2024) Revenue growth of 5.6% despite net income headwinds
(2024) Maintained strong capital position with CHF3.8B equity base
(2025) Continued expansion of digital banking and online trading platforms
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