The 2025 financial year of BPS (SUISSE) The year ended on a note of consolidation, in a macroeconomic environment marked by high volatility, zero interbank interest rates, and strong competitive pressures. Thirty years after its inception, the Lugano-based institution confirmed its resilience, closing the year with historically high capital and operating indicators.
Net income is slightly down from its 2024 peak, but remains among the best the bank has ever achieved. At the same time, growth in volumes—particularly in funding and loans—strengthens the industrial foundation on which the business model is based.
Growing volumes: collections and loans at all-time highs
One of the most significant elements of the bps suisse results 2025 concerns the trend of overall customer collection, which has reached a quota CHF 6,39 billion, up 8% year-on-year. This is the strongest increase in the last two decades, supported by positive net inflows and a favorable contribution from financial markets, partially offset by the exchange rate effect of the Swiss franc.
Direct collection has exceeded CHF 3,69 billion, while the indirect one stood at CHF 2,70 billion, with a widespread progression among private, commercial and institutional customers. At the same time, loans to customers reached CHF 5,81 billion (+3%), driven largely by the mortgage sector, which continues to represent the backbone of credit activity.
The credit portfolio, at an all-time high, maintains low risk levels, reflecting selection criteria based on prudence and active management of exposures.
Income statement: stable revenues, modest decline in profits
From an income point of view, 2025 confirms the stability of the net revenues from ordinary banking operations, certified to CHF 125,3 million, in line with the previous financial year. Net income from interest operations increased to CHF 27,0 million, benefiting from the increase in intermediated volumes and the reduction in refinancing costs, despite the impact of the zeroing of interbank rates.
The commission dynamics were also good, with a result from commission operations and service performances equal to CHF 26,7 million (+5%), driven in particular by securities trading and investment activities. Trading and fair value options contributed less, however, penalized by the narrowing of interest rate spreads between the Swiss franc and the euro.
The rise of operating costs, ascended to CHF 85,9 million (+4%), reflecting an investment program aimed at technological strengthening, cyber security, and organizational development. Net profit thus stood at CHF 27,6 million, down 6% from 2024, but enough to place 2025 as third best result ever for the bank.
Equity and structure: a solid foundation for growth
The budget sum has exceeded CHF 7,0 billion (+5%), while equity reached CHF 516 million, confirming a robust capital base. On the organizational front, the year was marked by a change in leadership on the Board of Directors and a reorganization of the General Management, with the creation of a new Accounting and Back-Office Division.
The staff counts 378 collaborators, substantially stable, but involved in intense training and skills development activities, in line with the evolution of customer needs and the channels for using banking services.
Digitalization and group integration
Digitalization continued to accelerate throughout 2025: over 90% of transactions for some categories now take place via online channels. Payment services, digital signatures, secure document management, and instant payments have been enhanced, while cybersecurity remains a strategic priority.
On the corporate level, the entry into the perimeter of the BPER Bank GroupFollowing the acquisition of its parent company, Banca Popolare di Sondrio, a new phase of industrial integration begins. The merger project, scheduled for 2026, aims to further enhance the bank's presence in Switzerland and the Principality of Monaco, without altering its strategic focus.
An overview of the 2025 results
Overall, i bps suisse results 2025 They outline the profile of an institution that, despite a less favorable interest rate environment, is managing to maintain profitability and strengthen its capital and commercial position. The slight decline in profits is part of a medium-term growth trajectory that, over the last three years, has led to some of the highest results in the bank's history, laying the foundation for the challenges of the next cycle.
