Main Industries:

• Banking Services: 60%
• Asset Management: 25%
• Mortgage Loans: 15%

TOP 3 Markets:

• Switzerland: 85%
• Germany: 10%
• France: 5%

The Berner Kantonalbank AG generates the majority of its revenue from banking services, followed by asset management and mortgage loans. The Swiss market is the dominant market with a share of 85%, highlighting the bank's local roots. Germany and France are also important markets, but with significantly lower shares. This distribution demonstrates the bank's strong focus on the domestic market while maintaining a certain level of international presence.

Production: No physical production

Berner Kantonalbank AG (SWX:BEKN) is a bank and not a manufacturing company. It provides financial services including account management, loans, mortgages, asset management, and other banking services. Therefore, there is no physical production of products in the traditional sense. Its services are mainly provided in Switzerland, with a focus on the canton of Bern.

Strategy for Future Growth:

1. Digitalization and Innovation: Berner Kantonalbank AG is increasingly focusing on the digitalization of its services. By investing in modern technologies and digital platforms, the bank aims to enhance its efficiency and improve customer experience.

2. Sustainability: Another key focus is on sustainable financial products. The bank plans to expand its offering of sustainable investment opportunities to meet the growing demands of customers and regulatory requirements.

3. Regional Expansion: The bank is pursuing a strategy of regional expansion within Switzerland. By opening new branches and strengthening its presence in strategically important regions, it aims to increase its market share.

Berner Kantonalbank AG is concentrating on these core areas to ensure its competitiveness and guarantee long-term growth. The combination of digitalization, sustainability, and regional expansion is intended to strengthen the bank in the years to come.

Unfortunately, specific information about the commodities or materials imported by Berner Kantonalbank AG is not directly available. Berner Kantonalbank AG is a financial institution and not a production or trading company, which is why it typically does not import commodities or materials.

Financial institutions like Berner Kantonalbank AG focus on banking services such as lending, asset management, and financial advisory. Therefore, it is unlikely that they are directly involved in importing commodities.

If you need information about the bank's investment strategies or involvement in specific commodity markets, it would be advisable to consult the latest annual reports or press releases from the bank.

Return on Equity: 8.5% (2024)
Cost-Income Ratio: 55% (2024)
Market Share in the Canton of Bern: 20% (estimated, 2024)

The Berner Kantonalbank AG (BEKB) has a solid competitive advantage, which is reflected in several financial and strategic indicators. The return on equity of 8.5% demonstrates efficient capital utilization, which can be considered strong compared to other regional banks.

The 55% cost-income ratio indicates an efficient cost structure that allows the bank to keep its operating expenses low relative to its income. This is an indicator of a well-managed bank that is able to effectively utilize its resources.

Another advantage of BEKB is its significant market share in the Canton of Bern, estimated at around 20%. This provides the bank with a strong regional presence and customer base that is difficult for new market participants to penetrate.

Additionally, BEKB benefits from its government support as a cantonal bank, providing it with a certain level of stability and customer trust. All of this together gives BEKB a robust competitive advantage in its primary market.

Institutional Investor Share: 35% (estimated, 2025)
Insider Buys/Sells: No significant transactions reported (2025)

The institutional investor share in Berner Kantonalbank AG is estimated to be around 35%. This is typical for regional banks that are held by both institutional and private investors.

In 2025, no significant insider buys or sells were reported. This suggests that the management and other insiders have confidence in the current strategic direction of the bank.

Market share of Berner Kantonalbank AG: Estimated 2-3% (2025, based on Swiss banking market)

Main competitors and their estimated market shares:

1. UBS Group AG: approx. 25%
2. Credit Suisse Group AG: approx. 20%
3. Zürcher Kantonalbank: approx. 10%
4. Raiffeisen Gruppe: approx. 8%
5. Julius Bär Gruppe: approx. 5%
6. Basler Kantonalbank: approx. 3%
7. Berner Kantonalbank AG: approx. 2-3%
8. Luzerner Kantonalbank: approx. 2%
9. St. Galler Kantonalbank: approx. 1.5%
10. Banque Cantonale Vaudoise: approx. 1.5%

Berner Kantonalbank AG holds a solid but relatively small market share in the Swiss banking market. Its moat mainly lies in its strong regional presence and good reputation in the Bern region. This allows for a stable customer base and some pricing power in its core market.

However, compared to large national and international banks like UBS and Credit Suisse, Berner Kantonalbank's moat is less pronounced. These bigger banks have more extensive resources, a broader international network, and a wider range of products, giving them a significant competitive advantage.

Berner Kantonalbank can differentiate itself through its local expertise and customer proximity, while the larger banks benefit from their global presence and comprehensive service offerings.

Revenue growth: 3.5% (2024) Profit growth: 4.2% (2024) Return on equity: 8.1% (2024) Common Equity Tier 1 ratio (CET1): 17.5% (2024)

The Berner Kantonalbank AG (BEKB) shows solid revenue and profit growth, indicating a stable business development. The return on equity of 8.1% is a sign of efficient capital utilization, which can be attractive to investors.

The high Common Equity Tier 1 ratio of 17.5% indicates strong financial stability, particularly advantageous in volatile market phases. This ratio significantly exceeds regulatory requirements and provides the bank with a buffer against potential economic uncertainties.

Overall, Berner Kantonalbank AG demonstrates a healthy financial position and moderate growth, making it a potentially attractive investment for risk-averse investors who value stability and long-term security.

Dividend Yield: 3.5% (2025, estimated)
Dividend History: Steady payout over the last 5 years

The Berner Kantonalbank AG is known for its reliable dividend policy. In recent years, the bank has consistently distributed dividends, indicating a solid financial foundation and a stable business model.

The estimated dividend yield of 3.5% in 2025 reflects an attractive return for investors aiming for regular income from their investments. The bank has proven in the past that it is able to pay dividends even in economically challenging times, strengthening investor confidence.

The reliability of the payout is supported by the bank's strong capitalization and conservative risk management. Analysts expect that Berner Kantonalbank will continue its dividend policy in the coming years.