CIC (Switzerland) maintained its solid performance in 2025 despite global geopolitical tensions, volatile markets and the introduction of the final Basel III standards. In an historic first, net profit exceeded the CHF 40 million mark for the third year in a row. Thanks to the resilience of its business model, the commitment shown by its 490 staff and the confidence of its clients CIC (Switzerland) was able to overcome the challenges of the past year.

“The bank is in a very robust financial position and was able to consolidate this in 2025, in spite of the adjustments required by a tense monetary, macroeconomic and political environment,” said Livia Moretti, CEO of CIC (Switzerland). “I am very proud of my teams. It was their commitment and perseverance that enabled the realisation of this result, keeping up the records seen in the previous two years."

A solid platform for long-term ambition in the Swiss market
Total assets grew +6.8% in 2025 to CHF 14.2 billion. Loans to customers were steady at a high level, rising + 1.1 % to CHF 10.6 billion. Customer deposits increased + 8.6 % to CHF 9.1 billion despite strong competition. Total liquidity and financial assets grew + 33.4 % to CHF 2.7 billion, taking the liquidity cover ratio (LCR) to 178.8 %. The bank’s own funds amount to CHF 1.195 billion, giving a capital ratio of 17.5 %. Both ratios mentioned are well above the regulatory requirements and demonstrate the stable and solid position of CIC (Switzerland).

Diversified income in an environment of low interest rates
Net profit again exceeded CHF 40 million – an historic performance for the third time since 2023. The figure came in at CHF 43 million, down - 8.5 % from the 2024 record year. Operating income declined by - 10.5 % to CHF 174.7 million, largely due to the fall in the policy rate, which had a strong impact on the interest margin. This decline was partly offset by a significant improvement in commission business and services, up + 5.6 % to CHF 50.2 million, and trading activities, up +20.7 % to a total of CHF 23.4 million.

Headcount grew + 2.5 % to 460.9 FTEs, reflecting the investments the bank is making in developing its activities and strengthening its commercial teams. This rise resulted in an increase of + 5.5 % in personnel expenses. Nevertheless, thanks to strict cost management, other operating expenses were cut by - 11.2 %, taking total operating expenses to CHF 133.3 million, down - 0.8 %.

Continuity and succession
CIC (Switzerland) is halfway through its 2024-2027 strategic plan, which is being led in close collaboration with parent company Crédit Mutuel Alliance Fédérale, one of the best capitalised banking groups in Europe with more than EUR 70 billion in own funds. “I am proud of the distance we have come to position our institution as a solid bank of reference, deeply rooted and a fully committed player in the Swiss economy,” said Livia Moretti. “This is the result of three years of collective effort for which I would like to thank all our staff, my colleagues on the Management Board and the members of the Board of Directors. Without their commitment, support and confidence none of this would have been possible.”

2025 marks the last financial year of the current CEO. Livia Moretti will soon be handing over to David Fusi, currently head of the commercial department and a member of the Management Board since 2011. Livia Moretti will remain heavily involved in the strategic orientation of the bank, as she will be joining the Board of Directors of CIC (Switzerland) alongside her new role of chief executive officer of Banque de Luxembourg, another important entity within Crédit Mutuel Alliance Fédérale. This change will certainly provide new opportunities for cooperation and synergies within the group, strengthening the position of CIC (Switzerland) as a bank that combines an agile structure on a human scale with the power and standards of a leading player in European finance.