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investors profile valiant an overview of valiant for investors and analysts an overview of valiant for investors and analysts skip to main content javascript ist deaktiviert diese seite braucht javascript bitte aktivieren sie es in den browser einstellungen privat geschäftlich über uns produkt eröffnen login übersicht privat konten und karten lila sets konten karten zahlungsverkehr familienangebot finanzieren hypotheken eigenheim erwerben eigenheim finanzieren eigenheim unterhalten eigenheim verkaufen anlegen anlageberatung vermögensverwaltung execution only anlageprodukte börsen und märkte vorsorgen pensionierung planen lebensstandard absichern vorsorgelücken aufdecken vorsorgeprodukte digitales banking blog übersicht geschäftlich zahlen konten und karten zahlungsverkehr unsere business sets einkassieren businessnet onlinebuchhaltung multibanking konten synchronisieren finanzieren kredite und darlehen baukredite und hypotheken bankgarantien und bürgschaften hypothek zu valiant wechseln sparen und anlegen sparprodukte anlagelösungen anlageprodukte börsen und märkte vorsorgen berufliche vorsorge für unternehmen geschäftsübergabe und pensionierung planen bedürfnisse gründen einkassieren alltag vereinfachen investieren devisenhandel unternehmensnachfolge digitales banking blog übersicht über uns ihre valiant porträt verwaltungsrat geschäftsleitung nachhaltigkeit marke valiant sponsoring auszeichnungen arbeiten bei valiant personalgewinnung bei valiant offene stellen berufseinstieg bei valiant weiterbildung und förderung medien und aktuelles medienmitteilungen und news das valiant magazin valor valiant blog social media studien investor relations news investors profile agenda governance debt capital results reports and key figures our stock digitales banking blog investors profile an overview of valiant for investors and analysts about us valiant is an independent swiss financial services provider it operates exclusively in switzerland and offers private clients and small and medium sized businesses a comprehensive range of easy to understand products and services covering all financial needs valiant has a strong local presence in the following 15 swiss cantons aargau basel land basel stadt bern fribourg jura lucerne neuchâtel schaffhausen solothurn st gallen thurgau vaud zug and zurich through its innovative digital services valiant is also available to clients throughout switzerland valiant has total assets of chf 38 2 billion and about 1 200 employees including more than 70 trainees find more information in our latest investor presentation strategy and targets increase in profitability and five strategic thrusts the strategy 2025 2029 builds on the investment of chf 100 million in digitalisation and expansion since 2016 and stays true to the successful simple business model increased profitability is the overarching goal valiant wants to generate a return on equity that is higher than capital costs and thus create economic value in so doing the focus will be on simplicity earnings diversification greater efficiency employee advancement and sustainability the key factors for success remain a local presence and personal advice 1 inspire with simplicity valiant wants to inspire its clients they must be able to contact their bank easily through any method or channel the products and services will continue to be based on simplicity in line with our value proposition we are simply a bank that includes a balanced combination of personal advice and self service based on the needs of our clients says ewald burgener in parallel pricing must be clear and transparent for clients 2 diversify earnings valiant wants to continue to grow as an sme bank with a longstanding tradition the value proposition for smes needs to be broadened this applies particularly to entrepreneurs who must be supported in their daily work with a comprehensive offering valiant will also develop its advisory service for asset accumulation and pension provision for private clients an expansion of the range of services in the partner business is also planned 3 increase efficiency valiant has already achieved substantial annually recurring savings in the current strategy period the bank will continue to closely monitor cost development going forward in an environment of constantly changing client needs the whole company is focusing on lean consistent processes and increased automation simplified processes and standard interfaces will raise productivity that way we ensure that we have the necessary freedom to act for the future and use the skills and knowledge of our employees in a targeted way stresses markus gygax 4 acquire and develop employees valiant is an attractive employer and has very well qualified staff valiant does not just want to retain its staff but to develop them in a focused way the employees individual development potential is expanded accordingly we also want to orient our corporate culture towards the strategic goals of simplicity efficiency and earnings diversification adds ewald burgener 5 promote sustainability valiant is aware of its responsibility in dealing with people resources and corporate governance and acts accordingly valiant ensures its appeal to investors by adhering to esg guidelines business activities are being oriented more closely towards sustainability co2 management is at the forefront as a key element of this furthermore valiant promotes the equal treatment of its staff and establishes flexible models to improve the compatibility of family and career through these measures valiant aims to increase the share of women in management positions add value for shareholders we will add value for our shareholders and increase the dividend annually through the targeted growth and efficiency improvements says markus gygax valiant has set itself the goal of achieving a return on equity that exceeds capital costs the total capital ratio is to remain between 15 and 17 in future and a payout ratio of at least 50 is being targeted valiant wants to achieve all this without changing its prudent risk policy dividends stable and sustainable dividend policy valiant pursues a stable dividend policy in 2019 valiant increased the target payout ratio of at least 50 dividends valiant has paid out stable or increased dividends ever since it was founded in 1997 year dividend payout ratio dividend yield 2025 6 00 1 61 4 0 2024 5 80 61 5 5 2023 5 50 60 5 8 2022 5 00 61 5 0 2021 5 00 64 5 5 2020 5 00 65 5 8 2019 5 00 65 5 1 2018 4 40 58 4 1 2017 4 00 53 3 8 2016 3 80 51 3 7 2015 3 60 50 3 1 2014 3 20 54 3 9 2013 3 20 55 4 0 2012 3 20 2 40 3 7 2011 3 20 3 40 2 7 2010 3 20 41 2 4 2009 3 20 36 1 6 2008 3 10 34 1 6 1 proposed 2 of which chf 1 85 as a dividend and chf 1 35 as a distribution from capital contribution reserves 3 distributions from capital contribution reserves asset quality very high asset quality the quality of the valiant loan portfolio is very high 98 of our loans are covered 95 of the mortgages are first tier the loan to value of the mortgage portfolio amounts to 61 and the average residual term stands at approximately 3 years valiant is not exposed to regions subject to steep house price inflation around 68 of our mortgages were originated in the region of bern lucerne and aargau non performing loans amount to 0 17 of total loans value adjustments for credit risk are 0 50 of total loans low risk profile valiant s risk profile is low we are solely active in the retail banking business with long term customer relationships in switzerland our main income sources mortgages and commissions provide very transparent stable earnings there is no proprietary trading the low risk profile builds on a restrictive lending policy a diversified client portfolio and a successful asset liability management despite a long history of takeovers there is no goodwill on the balance sheet the increased lending volumes no not compromise the very high quality of loans find more information about our asset quality and risk profile in our latest investor presentation refinancing stabilisation and diversification in refinancing valiant utilises the potential in refinancing in the current interest rate environment we aim to stabilise and further diversify our various instruments to this end valiant continues to rely on stable customer deposits secured financing through swiss mortgage bonds is supplemented by the covered bond programme of valiant you will find more detailed information about our refinancing in the presentation for investors sustainability sustainability is in our dna we know our clients and our clients know us our clearly defined geographical area of activity our positioning as a financial services provider and the close relationships with our clients are the key features of our simple and responsible business model sustainability criteria are rooted in our lending policy the client deposits and savings entrusted to us are funding home owners and sme our lending is broken down into many small and medium sized amounts thanks to our regional roots and close client relationships we know the properties and businesses that we finance very well in line with our careful lending policy we take a cautious approach towards sectors that have questionable ecological economic and social aspects valiant operates exclusively in switzerland given the very stringent regulatory environment in switzerland our approach to many ecological economic and social aspects already meets relatively high standards and given valiant s simple business model we do not finance international projects which would have to be critically examined in terms of fundamental human rights large scale environmental pollution and forced or child labour exposure to sustainability risks is also low key figures improved earnings power despite low interest environment balance sheet in chf bn 2025 2024 2023 2022 2021 total assets 37 9 37 1 36 1 35 7 35 6 loans of which mortgages 30 4 29 1 30 1 28 7 29 7 28 2 28 7 27 1 27 2 25 7 due to clients 22 8 22 4 22 2 22 6 22 1 client assets 35 4 33 5 32 7 32 3 32 9 equity capital 2 764 2 677 2 576 2 467 2 399 income statement in chf m 2025 2024 2023 2022 2021 total operating income 549 552 546 448 431 operating expenses 301 300 290 268 254 operating profit 225 233 232 159 144 consolidated net profit 155 150 144 130 123 key ratios 2025 2024 2023 2022 2021 net interest margin 109bp 112bp 119bp 98bp 99bp cost income ratio 53 7 53 1 51 3 57 7 57 2 non performing loans total loanstd 0 17 0 22 0 16 0 16 0 15 return on equity 7 2 7 7 8 0 6 6 5 4 equity capital 2025 2024 2023 2022 2021 total capital ratio 17 2 16 5 16 3 15 8 16 0 headcount 2025 2024 2023 2022 2021 employees 1188 1153 1136 1110 1130 full time equivalents 1052 1018 1003 981 995 for more key figures please see résultats rapports investor presentation may 2026 pdf 1285 kb download investor workbook may 2026 xlsx 173 kb download contact for analysts and investors questions on valiant simply contact us joachim matha head of investor relations 031 310 77 44 ir valiant ch hidden valiant app herunterladen english deutsch français english nützliche links iban swift newsletter hilfe sicherheit im internet rechtliche hinweise privacy policy impressum dokumente glossar videos ihre valiant porträt verwaltungsrat geschäftsleitung nachhaltigkeit marke valiant sponsoring auszeichnungen arbeiten bei valiant offene stellen personalgewinnung bei valiant berufseinstieg bei valiant weiterbildung und förderung medien und aktuelles medienmitteilungen und news das valiant magazin valor blog social media studien investor relations news agenda governance our stock debt capital investors profile results reports and key figures facebook com instagram com x com youtube com linkedin com xing com ihr browser scheint nicht auf dem neusten stand zu sein nutzen sie unsere digitalen angebote und lösungen mit den von uns unterstützten browsern und betriebssystemen hier finden 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