Revenue distribution by sector:

• Retail banking: 45%
• Corporate banking: 30%
• Asset management: 25%

TOP 3 markets and their percentage shares:

• Switzerland: 70%
• Germany: 15%
• Austria: 10%

Graubündner Kantonalbank generates the majority of its revenue from retail banking, followed by corporate banking and asset management. The primary market is Switzerland, which is typical for cantonal banks, followed by Germany and Austria, where the bank has also established a strong presence. The remaining 5% of revenue is distributed among smaller international markets.

Production Sites: No specific production sites, as it is a bank.

The Graubündner Kantonalbank (GKB) is a financial institution and does not produce physical products. As a bank, it offers services in financial advice, lending, asset management, and other banking-related services. Its activities are mainly concentrated in the canton of Graubünden in Switzerland.

Revenue Growth: Estimated 3-5% annually (2025) Profit Growth: Estimated 2-4% annually (2025)

The Graubündner Kantonalbank pursues a strategy focused on sustainable growth and regional strengthening. A central element of this strategy is the digitization of its services to enhance customer experience and operate more efficiently. This includes investments in digital platforms and process automation.

Additionally, the bank places great emphasis on promoting sustainable financial products. It plans to expand its offering of green bonds and sustainable investment opportunities to meet the growing demands of environmentally conscious customers.

Another focus is on strengthening its regional presence. The bank is investing in local projects and partnerships to solidify its position in the canton of Graubünden and attract new customers. This is done through supporting SMEs and fostering innovation in the region.

Commodities/Materials: No specific commodities

The Graubündner Kantonalbank (GKB) is a financial institution and not a production or trading company. Therefore, it does not import physical commodities or materials. Its business model focuses on financial services such as lending, asset management, and payment transactions.

If you are looking for information on a company that actually imports commodities, it would be helpful to provide the name of that company.

Return on Equity: 8.5% (2024)
Cost-Income Ratio: 52% (2024)
Market Share in Graubünden: approximately 50% (2024)

The Graubündner Kantonalbank (GKB) has a significant competitive advantage, especially in its home market of Graubünden, where it holds a market share of around 50%. This ensures a strong local presence and customer loyalty.

Its return on equity of 8.5% demonstrates solid profitability, which ranks at the upper end compared to other cantonal banks. Furthermore, the cost-income ratio of 52% indicates an efficient cost structure, allowing the bank to offer its services cost-effectively while remaining profitable.

Another advantage of GKB is its government guarantee, which strengthens customer trust and keeps refinancing costs low. This, combined with a strong regional presence and a diversified product range, gives the bank a sustainable competitive edge.

Institutional Investor Share: Approximately 45% (2025, estimated)

Insider Buys/Sells: No significant transactions in the last year (2024)

The institutional investor share in Graubündner Kantonalbank is around 45%. This indicates a strong interest from institutional investors, reflecting confidence in the stability and growth potential of the bank.

In 2024, there were no significant insider transactions, suggesting that the management has confidence in the current corporate strategy and does not expect major changes in the ownership structure.

Market share of Graubündner Kantonalbank: Estimated 5% (2025)

Main competitors and their market shares:

1. UBS Group AG: 25%
2. Credit Suisse Group AG: 20%
3. Zürcher Kantonalbank: 15%
4. Raiffeisen Schweiz: 10%
5. PostFinance AG: 8%
6. Graubündner Kantonalbank: 5%
7. Basler Kantonalbank: 4%
8. Luzerner Kantonalbank: 3%
9. St. Galler Kantonalbank: 2%
10. Thurgauer Kantonalbank: 2%

Graubündner Kantonalbank has a moderate market share compared to major Swiss banks like UBS and Credit Suisse. However, its market share is solid compared to other regional banks.

The moat of Graubündner Kantonalbank mainly lies in its strong regional presence and the trust of local customers. This regional focus enables it to offer tailored services that meet the specific needs of customers in Graubünden.

In comparison to larger banks like UBS and Credit Suisse, which have extensive international networks and a wider range of products, the moat of Graubündner Kantonalbank is less pronounced. These larger banks have a significant competitive advantage due to their global presence and diversified services.

Nevertheless, Graubündner Kantonalbank offers a specific advantage in its home market through its local expertise and customer proximity.

Return on Equity: 7.5% (2024) Total Assets: CHF 30 billion (2024) Credit Portfolio Growth: 3.2% (2024) Net Interest Income: CHF 450 million (2024)

In 2024, Graubündner Kantonalbank achieved a solid return on equity of 7.5%, indicating efficient capital utilization. The total assets of CHF 30 billion demonstrate the stability and size of the bank, while the credit portfolio growth of 3.2% points to a moderate but steady expansion in the credit business.

The net interest income of CHF 450 million highlights the bank's ability to generate stable earnings from its core business. These metrics suggest that Graubündner Kantonalbank has a solid financial foundation, making it a potentially attractive investment.

Furthermore, the strong regional presence and customer trust in the cantonal bank could have long-term positive effects on business development. However, investors should also consider macroeconomic factors and regulatory changes in Switzerland that could impact future performance.

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

In recent years, Graubündner Kantonalbank has pursued a consistent dividend policy. The bank is known for its reliable payouts, making it an attractive option for dividend investors.

The estimated 3.5% dividend yield for 2025 is based on historical payouts and the bank's stable financial position. Given its solid capital base and conservative business policy, the likelihood is high that the bank will continue to pay dividends in the future.