PostFinance

Postfinance traces its origins back to 1900, when the "Postcheck and Giro Service" was launched in Switzerland to enable the supply of cash via the network of the Swiss Post. Six years later, the processing of payment transactions via the post office network began.{{Cite web |author=Michael Heim |url=https://www.handelszeitung.ch/unternehmen/Postfinance-darf-wohl-kein-hypothekargeschaft-aufbauen-was-die-bank-jetzt-tun-sollte-380095 |title=Nach der Ohrfeige im Bundeshaus sollte die Postfinance umdenken |work=Postfinance |language=de |date=2022-05-18 |access-date=2025-01-06}} Between 1928 and 1997, the Swiss Post was part of the Post-, Telefon- und Telegrafenbetriebe (PTT). When PTT was dissolved at the end of 1997 as part of a postal reform, the former payment transactions department became the Swiss Post subsidiary Postfinance. In the years that followed, Postfinance experienced strong growth.{{cite news |author=Daniel Zulauf |date=2012-10-25 |title=Schweizer trennen ihre Post und deren Bank behutsam: Postfinance schwimmt auf einer Erfolgswelle und erwartet Banklizenz bis zum Jahresende |work=Börsen-Zeitung |pages=5 |language=de}}

In 2001, Postfinance was connected to the domestic payment system Swiss Interbank Clearing (SIC) of the banks.{{Cite web |url=https://www.nzz.ch/articleDQ73Z-ld.63067 |title=Einzahlungsschein |work=Neue Zürcher Zeitung |date=2006-06-12 |access-date=2025-01-13}} Postfinance emerged from the 2008 financial crisis without any adverse effects and was able to offer low interest rates, as a result of which the customer base increased and customer assets doubled within a few years. However, Postfinance had problems with the temporary negative interest rates in the 2010s, as the negative interest rates led to falling interest income.{{cite news |date=2018-06-10 |title=Die schlechteste Woche hatte |work=NZZ am Sonntag |pages=42 |language=de}}{{Cite web |url=https://www.vaterland.li/regional/schweiz/niedrige-zinsen-haben-Postfinance-zugesetzt-art-333010 |title=Niedrige Zinsen haben Postfinance zugesetzt |work=Liechtensteiner Vaterland |date=2018-06-07 |language=de |access-date=2025-01-06}}

In 2013, the Swiss Financial Market Supervisory Authority (FINMA) awarded Postfinance a bank licence.{{Cite web |url=https://www.finma.ch:443/en/news/2013/06/mm-Postfinance-20130626/ |title=Postfinance Ltd is placed under FINMA supervision |work=Eidgenössische Finanzmarktaufsicht (FINMA) |date=2013-06-26 |access-date=2025-01-13}} In 2015, Postfinance was declared a "Systemically important financial institution" in Switzerland by the Swiss National Bank, which means the bank must follow special regulations with regard to liquidity and equity. At the same time, obtaining the banking licence meant that the state guarantee was finally abolished in 2017.{{cite news |author=E. Gallarotti |date=2011-05-05 |title=Das Riskante am Erfolg der Postfinance |work=Neue Zürcher Zeitung |pages=26 |language=de}}{{Cite web |author=Muriel Leisy |url=https://www.srf.ch/audio/espresso/was-die-Postfinance-banklizenz-fuer-kunden-bedeutet?partId=10269310 |title=Was die Postfinance-Banklizenz für Kunden bedeutet |work=Schweizer Radio und Fernsehen |date=2013-06-14 |language=de |access-date=2025-01-06}}

In 2016, Postfinance started to levy a 1% annual fee on deposits of above 1 million francs.{{cite web |url=https://www.reuters.com/article/us-Postfinance-rates-idUSKBN13610D |title=Swiss bank Postfinance to charge millionaire deposit holders |work=Reuters |date=11 November 2016 |access-date=13 January 2025}} Over the Easter weekend of 2018, Postfinance switched to the core banking system of the Indian provider Tata Consultancy Services. For corporate customers, the changeover meant adapting payment transactions to a new data format for the exchange of payment data in accordance with the ISO 20022 standard.{{Cite web |author=Michael Heim |url=https://www.handelszeitung.ch/unternehmen/wie-viel-Postfinance-fur-ihre-neue-banksoftware-zahlt |title=How much Postfinance is paying for its new banking software |work=Handelszeitung |date=2018-01-29 |language=de |access-date=2025-01-06}} In 2020, Postfinance profits fell to 131 million Swiss francs (from 246 million in 2019{{cite web |url=https://www.swissinfo.ch/eng/business/swiss-postal-bank-turns-up-digital-dazzle-to-arrest-declining-fortunes/46608702 |title=Swiss postal bank turns up digital dazzle to arrest declining fortunes |author=Allen, Matthew |date=11 May 2021 |access-date=18 March 2023 |work=Swissinfo}} and 229 million francs in 2018{{cite news |url=https://www.finews.com/news/english-news/38714-Postfinance-chief-sends-letter-warning-of-tough-times |title=Postfinance Chief Sends Letter Warning of Tough Times Ahead |work=Finews |date=6 November 2019 |access-date=13 January 2025}}) and its customers to 2.69 million (from 2.74 million in 2019). 129 jobs were cut to adjust to the revenue drop (500 jobs were also cut in 2018).{{cite web |author=Florian Wicki |url=https://www.finews.com/news/english-news/43493-Postfinance-speed-up-job-cuts |title=Postfinance: New Strategy, New Job Cuts |work=Finews |date=27 October 2020 |access-date=13 January 2025}}

In early 2021, the Swiss government was considering the privatization of the bank to allow it to act like a regular private financial institution (including granting mortgages and loans). This process would however imply changing the Postal Act and have the government back the bank's capital during a transition phase.{{cite web |url=https://www.swissinfo.ch/eng/government-wants-to-privatise-Postfinance-bank/46302896 |title=Government wants to privatise Postfinance bank |work=Swissinfo.ch |date=20 January 2021 |access-date=13 January 2025}} The proposal was not able to gain acceptance within Swiss politics for the time being.{{Cite web |author=Elmar Plozza |date=2022-09-27 |title=Postfinance-Privatisierung scheint vom Tisch |url=https://www.srf.ch/news/wirtschaft/bank-der-post-bleibt-staatlich-so-reagiert-bern-auf-die-gescheiterte-Postfinance-privatisierung |access-date=2025-01-13 |work=Schweizer Radio und Fernsehen |language=de}} In February 2022, the Russian oligarch and resident of Switzerland Viktor Vekselberg won a lawsuit against Postfinance after the bank had closed his account in 2018 following sanctions imposed on him by the US authorities.{{cite web |url=https://www.swissinfo.ch/eng/vekselberg-wins-lawsuit-against-Postfinance-bank/47357666 |title=Vekselberg wins lawsuit against Postfinance bank |work=Swissinfo.ch |date=17 February 2022 |access-date=13 January 2025}}

In 2022, the cash deposit machines were abolished.{{Cite web |author=Nicole Roos |url=https://www.srf.ch/article/19531016/amp |title=Service-Abbau – Den Postomaten mit Einzahlfunktion wird der Stecker gezogen |work=Schweizer Radio und Fernsehen |date=2021-03-01 |language=de |access-date=2025-01-13}}{{Cite web |author=Patrik Berger |date=2022-11-19 |title=Schluss mit Automaten: Wer Münz einzahlen will, muss sortieren und rollen |url=https://www.blick.ch/wirtschaft/schluss-mit-automaten-wer-muenz-einzahlen-will-muss-muehsam-sortieren-und-rollen-id18067154.html |access-date=2025-01-13 |work=Blick |language=de}} The ATMs, which were introduced from 1978 under the name Postomat, have also already been reduced. While Postfinance still operated 975 ATMs at the end of 2019, this figure had fallen to 892 by the end of September 2021.{{Cite web |author=Rico Kutscher |url=https://www.finews.ch/news/banken/48226-Postfinance-geldautomaten-abbau-schweiz-basel |title=Postfinance zieht bei Geldautomaten den Stecker |work=Finews |date=2021-10-06 |language=de |access-date=2025-01-13}}

In April 2023, it was announced that Postfinance will provide its customers with access to cryptocurrencies, Bitcoin and Ethereum. The project is being implemented in partnership with the Sygnum cryptobank. The decision was made against the backdrop of a massive flow of customer funds into cryptocurrencies.{{cite web |url=https://www.handelszeitung.ch/banking/kooperation-mit-schweizer-kryptobank-sygnum-Postfinance-bietet-kunftig-digitale-wahrungen-wie-bitcoin-an-590527 |title=Postfinance bietet künftig Kryptowährungen an |work=Handelszeitung |language=de |date=2023-04-05 |access-date=2025-01-13}}

Postfinance Ltd is wholly owned by Swiss Post. Postfinance makes an important contribution to Swiss Post's total operating income. Total assets amounted to around CHF 102 billion at the end of 2023, while net profit (EBIT) for the full year 2023 was around CHF 164 million. In 2023, Postfinance served around 2.5 million people and had the equivalent of 3,340 full-time equivalents, with an average total headcount of 3,757 employees.

With the end of the previous state guarantee, Postfinance, has a deposit insurance for savings like other banks since October 1, 2017.{{cite web |author=Albert Steck |url=https://nzzas.nzz.ch/public/Postfinance-verliert-staatsgarantie-und-status-als-musterknabe-ld.1314046 |title=Postfinance verliert Staatsgarantie und Status als Musterknabe |work=Neue Zürcher Zeitung |date=2017-09-02 |language=de |access-date=2025-01-13}} If the bankrupt institution has sufficient liquid assets, deposits at domestic and foreign branches will be paid out immediately up to a maximum amount of CHF100.000 per client.{{Cite web |url=https://www.finma.ch/de/ueberwachung/banken-und-wertpapierhaeuser/einlagensicherung/ |title=Einlagensicherung |work=Finma |language=de |access-date=2025-01-13}}

Postfinance has various shareholdings in companies and ventures. For example, there are cooperative participations with "Twint", in which Postfinance holds a 26.666% stake, and "SIX Group".{{Cite web |url=https://www.Postfinance.ch/de/ueber-uns/unternehmen/investor-relations/beteiligungen.html |title=Beteiligungen |work=Postfinance.ch |language=de |access-date=2025-01-06}}{{Cite web |url=https://www.post.ch/de/ueber-uns/unternehmen/organisation/assoziierte-gesellschaften-und-joint-ventures |title=Assoziierte Gesellschaften und Joint Ventures |work=Die Schweizerische Post |date=2024-06-30 |language=de |access-date=2025-01-06}}{{Cite web |date=2018-03-08 |title=Postfinance steigt bei SIX ein |url=https://www.handelszeitung.ch/unternehmen/Postfinance-steigt-bei-six-ein |archive-url=https://web.archive.org/web/20180309054153/https://www.handelszeitung.ch/unternehmen/Postfinance-steigt-bei-six-ein |archive-date=2018-03-09 |access-date=2025-01-06 |work=Handelszeitung |language=de}} In 2021, Postfinance launched the Neobank "Yuh" in a joint venture with Swissquote.{{Cite web |author=Michael Heim |date=2021-05-11 |title=So starten Swissquote und Postfinance mit der Onlinebank Yuh |url=https://www.handelszeitung.ch/unternehmen/in-der-onlinebank-yuh-steckt-viel-dna-von-swissquote |access-date=2025-01-13 |work=Handelszeitung |language=de}}{{Cite web |date=2021-05-11 |title=Neue Banking-App – Wie Postfinance die Jungen zum Anlegen lockt |url=https://www.srf.ch/news/wirtschaft/neue-banking-app-wie-Postfinance-die-jungen-zum-anlegen-lockt |access-date=2025-01-13 |work=Schweizer Radio und Fernsehen |language=de}}

The legal basis for the activities of Swiss Post and Postfinance is the Swiss Postal Act (Schweizer Postgesetz),{{Cite web |url=https://www.bakom.admin.ch/bakom/de/home/post-presse/postgesetz.html |title=Postgesetz |work=bakom.admin.ch |language=de |access-date=2025-01-06}} the Postal regulation (Postfinance){{Cite web |url=https://www.fedlex.admin.ch/eli/cc/2012/586/de |title=Postfinance |work=fedlex.admin.ch |language=de |access-date=2025-01-06}} and the Postal Organization Act (Postorganisationsgesetz).{{Cite web |url=https://www.news.admin.ch/de/nsb?id=84253 |title=Bundesrat will Rahmenbedingungen für Postfinance verbessern |work=admin.ch |date=2021-06-30 |language=de |access-date=2025-01-13}}

Postfinance is managed by a Board of Directors as the highest governing body and an Executive Board, which is appointed by the Board of Directors and is responsible for the operational business. Both the Board of Directors and the Executive Board each have seven members as of 2024.{{Cite web |url=https://www.finews.ch/news/banken/63371-Postfinance-verwaltungsrat-beat-ruetsche-michaela-troyanov |title=Postfinance ernennt ehemaligen PwC-Partner zum Verwaltungsrat |work=Finews |date=2024-07-03 |language=de |access-date=2025-01-13}}{{Cite web |url=https://www.Postfinance.ch/de/ueber-uns/unternehmen/organisation.html |title=Organisation: Persönliche Zusammenarbeit mit flachen Hierarchien |work=Postfinance.ch |language=de |access-date=2025-01-13}}

Since July 1, 2024, Beat Röthlisberger, previously Deputy Managing Director of Basellandschaftliche Kantonalbank, has been the Chairman of Postfinance Executive Board.{{Cite web |url=https://www.srf.ch/news/wirtschaft/nach-langer-suche-beat-roethlisberger-uebernimmt-chefposten-bei-der-ostfinance |title=Nach langer Suche – Beat Röthlisberger übernimmt Chefposten bei der Postfinance |work=Schweizer Radio und Fernsehen |date=2024-01-31 |language=de |access-date=2025-01-13}}{{Cite web |author=André Müller |url=https://www.nzz.ch/finanzen/beat-roethlisberger-wird-neuer-ceo-der-Postfinance-nun-braucht-er-bloss-noch-einen-auftrag-aus-der-politik-ld.1776778 |title=Beat Röthlisberger wird neuer CEO der Postfinance – jetzt braucht er bloss noch einen Auftrag |work=Neue Zürcher Zeitung |date=2024-02-01 |language=de |access-date=2025-01-06}} His predecessors in this position are Urs W. Wepf (until the end of 2002),{{cite news |date=2002-11-26 |title=Jürg Bucher in Post-Geschäftsleitung |work=Neue Zürcher Zeitung |pages=14 |language=de}} Jürg Bucher (2003 until the end of 2011),{{cite news |author=Urs Rauber |date=2006-11-26 |title=Jörg Bucher |work=NZZ am Sonntag |pages=123 |language=de}} Hansruedi Köng (2012 until February 2024),{{cite web |date=2023-03-06 |title=12 Jahre im Amt – Postfinance-CEO Hansruedi Köng tritt auf Ende Februar 2024 zurück |url=https://www.srf.ch/news/wirtschaft/12-jahre-im-amt-Postfinance-ceo-hansruedi-koeng-tritt-auf-ende-februar-2024-zurueck |access-date=2025-01-13 |work=Schweizer Radio und Fernsehen |language=de}} Kurt Fuchs (interim, March to June 2024).{{Cite web |author=Lukas Hässig |date=2023-11-05 |title=CFO wird Interims-CEO – Postfinance ernennt Kurt Fuchs zu Interims-CEO |url=https://www.srf.ch/news/wirtschaft/cfo-wird-interims-ceo-Postfinance-ernennt-kurt-fuchs-zu-interims-ceo |access-date=2025-01-13 |work=Schweizer Radio und Fernsehen |language=de}}

Image:Postomat 2023.jpeg of Postfinance, which also works with other bank cards in addition to the Postfinance Card.]]

Image:Efinance.jpg (in 2018)]]

• Payment transactions: Postfinance core business is national and international payment transactions.{{Cite web |url=https://geschaeftsbericht.post.ch/13/ar/de/geschaeftsentwicklung/retailfinanzmarkt/migration_zahlungsverkehr.htm#:~:text=Der%20Zahlungsverkehr%20ist%20das%20Kerngeschäft,in%20der%20Schweiz%20aktiv%20mit. |title=Zahlungsverkehr Schweiz harmonisieren |work=post.ch |date=2013 |language=de |access-date=2025-01-13}} Around 900 million transactions per year were processed via Postfinance in 2011.{{Cite web |url=https://www.netzwoche.ch/news/2014-03-31/Postfinance-migriert-auf-indisches-informatiksystem |title=Postfinance migriert auf indisches Informatiksystem |work=Netzwoche |date=2011-06-01 |language=de |access-date=2025-01-13}}
• Savings: The savings area includes the private account range (since July 2021 consisting of the Smart and SmartPlus banking packages).{{Cite web |url=https://www.Postfinance.ch/de/ueber-uns/medien/newsroom/medienmitteilungen/Postfinance-fuehrt-bankpakete-ein.html |title=Postfinance führt Bankpakete ein |work=Postfinance.ch |publisher= |date=2021-03-29 |language=de |access-date=2025-01-13}}{{Cite web |author=Nicole Roos |url=https://www.srf.ch/news/schweiz/gebuehren-aerger-fuer-viele-Postfinance-kunden-wird-es-teurer |title=Gebühren-Ärger – Für viele Postfinance-Kunden wird es teurer |work=Schweizer Radio und Fernsehen |publisher= |date=2021-04-19 |language=de |access-date=2025-01-13}}
• Investments: The investment division comprises our own investment products and those offered in cooperation with other banks. Own investment products include medium-term notes and investment strategy funds. Postfinance also offers third-party funds from other financial institutions. Postfinance also operates an online platform for securities trading (e-trading) in cooperation with Swissquote.{{Cite news |author=Michael Ferber |date=2014-05-03 |title=Chancen für Postfinance und Swissquote |work=Neue Zürcher Zeitung |pages=26 |language=de}} In February 2024, Postfinance also began offering the trading and custody of cryptocurrencies.{{Cite web |author=Andreas Minor |url=https://www.handelszeitung.ch/banking/Postfinance-verkauft-und-verwahrt-ab-mittwoch-elf-verschiedene-kryptowahrungen-685043 |title=Postfinance verkauft und verwahrt ab Mittwoch elf verschiedene Kryptowährungen |work=Handelszeitung |date=2024-02-20 |language=de |access-date=2025-01-13}}
• Pension provision and insurance: In the area of pensions, Postfinance offers a pension account tailored to the three-pillar pension system in Switzerland and, in cooperation with AXA Winterthur Leben, various life insurance options. In 2022, Postfinance announced that it would only offer actively managed pension funds, which resulted in an increase in fees for customers.{{Cite web |author=Nicole Roos |date=2022-05-05 |title=Höhere Gebühren – Postfinance bietet nur noch aktiv verwaltete Vorsorge-Fonds an |url=https://www.srf.ch/news/panorama/hoehere-gebuehren-Postfinance-bietet-nur-noch-aktiv-verwaltete-vorsorge-fonds-an |access-date=2025-01-13 |work=Schweizer Radio und Fernsehen |publisher= |language=de}}
• Financing: As the Postal Organization Act prohibits it from granting mortgages and loans to third parties on its own, Postfinance cooperates with Münchener Hypothekenbank, Valiant Bank and Credit Exchange AG in the area of financing. The loans and mortgages are not refinanced by Postfinance itself, but by the three partners, who also carry them on their balance sheets and bear the credit risk. In return, Postfinance pays its partners a risk premium or a sales commission. In the area of crowdlending, Postfinance entered into a partnership with Cembra Money Bank through its subsidiary Lendico in 2018.{{Cite web |author=Daniel Imwinkelried |url=https://www.nzz.ch/wirtschaft/Postfinance-und-cembra-verbuenden-sich-im-kreditgeschaeft-ld.1370483 |title=Postfinance und Cembra verbünden sich im Kreditgeschäft |work=Neue Zürcher Zeitung |date=2018-03-28 |language=de |access-date=2025-01-13}} In May 2021, the company announced that it would be offering the "Postfinance Priavtkredit" in cooperation with Bob Finance. Bob Finance is a subsidiary of the Valora retail company. The personal loan is offered exclusively online to private individuals with a permanent employment contract, Swiss residence and an account with a Swiss bank.{{Cite web |url=https://www.handelszeitung.ch/unternehmen/Postfinance-steigt-ins-geschaft-mit-privatkrediten-ein |title=Postfinance steigt ins Geschäft mit Privatkrediten ein |work=Handelszeitung |date=2021-05-03 |language=de |access-date=2025-01-13}}{{Cite web |url=https://www.finews.ch/news/banken/46119-Postfinance-bob-finance-konsumkredit |title=Konsumkredite: Postfinance spannt mit Valora-Tochter zusammen |work=Finews |date=2021-05-03 |language=de |access-date=2025-01-13}} In August 2024, Postfinance became a shareholder in the mortgage market platform Credit Exchange AG (CredEx) and was also given a seat on the board of directors of the public limited company. Prior to this, Postfinance and Credit Exchange AG had already entered into a sales and settlement partnership from the beginning of 2024.{{Cite web |url=https://www.handelszeitung.ch/newsticker/Postfinance-und-glkb-beteiligen-sich-an-credit-exchange-628679 |title=Postfinance und GLKB beteiligen sich an Credit Exchange |work=Handelszeitung |date=2023-08-16 |language=de |access-date=2025-01-13}}
• Customer Service: Postfinance is active in the area of customer service with customer advisors and a call centre.

Postfinance is a regular sponsor of ice hockey. Since 2001, it has been a sponsor of the National League, the highest Swiss men's ice hockey league.{{Cite news |author=J. Vogel |date=2013-03-01 |title=«Gelbfieber» im Schweizer Eishockey |work=Neue Zürcher Zeitung |pages=47 |language=de}}{{Cite news |author=Daniel Germann |date=2021-12-16 |title=Swiss Ice Hockey befindet sich auf dünnem Eis |work=Neue Zürcher Zeitung |pages=15 |language=de}} Postfinance has also been the main and naming rights partner of the Women's League, the highest women's league in Swiss ice hockey, since the 2022/23 season.{{Cite web |author=Uwe Foerster |url=https://www.horizont.net/schweiz/nachrichten/sponsoring-Postfinance-macht-geld-fuer-eishockey-womens-league-locker-204868 |title=Postfinance macht Geld für Eishockey Women’s League locker |work=Horizont |date=2022-12-13 |language=de |access-date=2025-01-06}} The league is therefore also known as the "Postfinance Women's League".{{Cite web |author=Adrian Bürgler |url=https://www.watson.ch/sport/blogs/207096769-wie-die-Postfinance-women-s-league-immer-attraktiver-wird |title=Wie sich die Schweizer Frauenliga zu einem attraktiven Produkt gemausert hat |work=Watson |date=2024-03-13 |language=de |access-date=2025-01-06}} Postfinance is also named Postfinance Top Scorer, an award for ice hockey players who achieve the most scorer points (i.e. goals and assists) for their team during the main round. Scorer points achieved are also linked to money sponsored by Postfinance for the promotion of young talent at the players' ice hockey clubs.{{Cite web |url=https://m.sihf.ch/de/organization/history/Postfinance-top-scorer/ |title=Postfinance Top Scorer |work=Swiss Ice Hockey Federation |language=de |access-date=2025-01-06}}{{Cite news |author=Y. Tardent |date=2009-02-24 |title=Das Eis ist gelb: Die Topskorer erspielen 400 Franken für den Nachwuchs |work=Neue Zürcher Zeitung |pages=45 |language=de}}

In 2007, the BernArena, the largest ice rink in Switzerland, was renamed the Postfinance Arena.{{Cite news |title=BernArena heisst neu Postfinance Arena |work=Tages-Anzeiger |date=2007-08-17 |pages=35}}

Under the name "Money Fit", Postfinance offers learning opportunities designed to teach children and young people various skills in dealing with money.{{Cite web |url=https://moneyfit.ch/de/ueber-moneyfit |title=Über MoneyFit |work=moneyfit.ch |language=de |access-date=2025-01-06}}{{Cite news |author=Daniel Zulauf |date=2017-07-09 |title=Geldwissen ohne Geld ist nutzlos |work=Zentralschweiz am Sonntag |pages=9 |language=de}}{{Cite news |author=Jorgos Brouzos |date=2017-08-30 |title=Kinder werden für Banken als Kunden interessant |work=Tages-Anzeiger |pages=8 |language=de}}

As of December 2024, Postfinance has an AA/A-1+ credit rating from Standard & Poor's.{{Cite web |url=https://disclosure.spglobal.com/ratings/en/regulatory/article/-/view/type/HTML/id/3301384 |title=Swiss Post And Postfinance Ratings Affirmed; Outlooks Remain Stable |work=S&P Global Ratings |date=2024-12-18 |access-date=2025-01-13}}

{{Reflist}}

{{Portal|Banks}}

{{commons category-inline}}

• {{in lang|en}} {{Official website|www.Postfinance.ch/en.html}}

{{Banks of Switzerland}}

{{Authority control}}

{{coord|46.9571|N|7.4679|E|source:wikidata|display=title}}

Category:Banks of Switzerland

Category:Banks established in 1906

Category:Swiss companies established in 1906