Operating activity was sustained throughout the year, allowing record levels of client deposits to be reached, broken down into advisory, management, and administration deposits, achieving extraordinary growth in volumes. The loan portfolio expanded, driven by the mortgage segment, consistent with the principles of prudence in client selection and transactions.
On the income statement, although the SNB's elimination of interbank interest rates slowed the already extraordinary growth in interest income, the decline in net profit compared to the previous year's record level was limited, allowing the three-year results to be consolidated at historically high levels.
In 2025, digitalization accelerated significantly. Most transactions took place through digital channels. online, with peaks exceeding 90% for some categories, while the first pilot services based on Artificial Intelligence have been introduced. Targeted investments have been made to increase the efficiency of internal processes and expand customer-facing features, including the service TWINT, the payment solution peer-to-peer most widespread in Switzerland, the digital signature, the implementation of the SecureInbox for the secure transfer of documents between the Bank and the customer and Instant PaymentThese services are mainly available through the application GoBanking, recently enhanced with a new version of the App, which offers advanced features and a better user experience.
The distribution model favours the customer's freedom of choice, offering the most suitable channels for interacting with the BPS (Suisse)The traditional channel – based on personalized advice – remains the preferred one for opening accounts, defining objectives, making credit requests, and conducting content discussions. Transactional operations, such as payments, using debit or credit cards, trading, and consulting reports, are handled almost entirely through digital channels. The branch network consists of 21 operating locations, including one in the Principality of Monaco, and a virtual unit called Direct Banking, as well as a representative office in Verbier (VS).
La collection from customers reached CHF 6,389,624,318 (+8% compared to the previous year), marking an all-time high for the Institute. Direct deposits totaled CHF 3,693,948,840 (+8%), while indirect deposits increased to CHF 2,695,675,478 (+9%). The growth was significant, evenly distributed across the various categories, involving private, commercial, and institutional clients, and supported by a significant inflow of new funds. The financial markets had a positive impact, while the Swiss franc exchange rate had an adverse effect.
The components of managed savings and with mandates Investment Advisory, the latter aimed at high-profile clients, have recorded good growth. Stock market operations have shown a strong increase in both volumes and number of transactions, largely through the channel Online trading.
Popso (SUISSE) Investment Fund SICAV, the Luxembourg-based SICAV managed by the Bank, has enriched its offering by introducing two new segments and making changes to existing ones, with a view to improving and rationalizing the range.
Within retail, the diffusion of the products continued in a satisfactory manner, with particular reference to the packages PassparTuConversely, the elimination of interest rates on the interbank market has slowed the launch of new initiatives aimed at increasing passive funds from private customers.
- customer loans Totaled CHF 5,805,344,548 (+3%). The increase was attributable to mortgage loans, amounting to CHF 5,366,306,689 (+4%), while other loans stood at CHF 439,037,859 (-13%). The loan portfolio remained low risk, reflecting dynamic yet prudent management.
Il Income statement highlights the stability of net revenues, confirmed at the highest levels of the previous financial year. The increase in costs, connected to a more intense investment program, impacted the final result, causing a limited decline. Specifically, the Net result from interest operations increased to CHF 27,012,226 (+24%), thanks to the increase in volumes disbursed and the reduction in costs for collection and refinancing.
Il Result from commission transactions and services provided grew to CHF 26,743,069 (5%), mainly driven by the positive trend in commission income on securities trading and investment transactions, while the other components recorded limited changes compared to the previous year.
Il Operating result, net of depreciation and provisions, amounted to CHF 33,474,360 (-10%), while theImpactful settled at CHF 27,632,179 (-6%).
The Board of Directors proposed to the General Meeting the payment to the shareholder of a dividend of CHF 4,050,000 and the allocation of the difference, amounting to CHF 23,582,179, to Legal reserve from profits.
The new Board of Directors of BPS (Suisse)
The Board of Directors is composed of:
- Gianni Franco Papa – President, CEO of the Parent Company BPER Banca, Italy
- Brunello Perucchi – Vice President
- Attorney Maria Galliani – Member and Secretary
- Attorney Daniel Zuberbühler – Member
- Mario Erba – Member
Since July 2025, BPS (SUISSE) has been part of BPER Banca, Italy's third-largest banking group. This acquisition offers the Bank opportunities to further enhance its presence in Switzerland and the Principality of Monaco. The development strategy in its markets will be maintained and strengthened.
From left: Attorney Daniel Zuberbühler, Attorney Maria Galliani, Gianni Franco Papa, Brunello Perucchi, Mario Erba
