Strong Equity BaseA strong and rising equity ratio provides a durable capital buffer against loan losses and market shocks. It helps meet regulatory requirements, supports ongoing lending and deposit-taking, and underpins client confidence and strategic flexibility over the coming months.
Healthy Profit MarginsSustained EBIT and net margins reflect efficient cost control and recurring earnings power. These margins support dividend distribution, internal investment and capital accumulation, enabling the bank to absorb cyclical revenue shocks without immediate capital raises.
Stable Regional Banking ModelA focused cantonal-bank franchise serving retail customers, SMEs and mortgage borrowers yields stable, relationship-driven deposit funding and predictable loan demand. This business model produces steady interest and fee income and reduces reliance on volatile wholesale markets.