BCGE Bank | Banque Cantonale de Genève

Origin of BCGE Bank | Banque Cantonale de Genève

Banque-Cantonale-de-Geneve-1The Banque Cantonale de Genève (BCGE) is based in Geneva and is the cantonal bank of the canton of Geneva. In 1994 Caisse d’épargne de la République et Canton de Genève (Savings Bank) founded in 1816 and Banque hypothécaire du Canton de Genève (Mortgage bank) founded in 1847 merged and created BCGE. The canton, the city and the municipalities of Genève hold together 78.52 % of the outstanding shares. The state guarantee was discontinued in 2016.

The BCGE Bank has 21 subsidiaries in the canton of Geneva and a branch in Zurich and Lausanne. The bank has representative offices in Dubai and Hongkong and a subsidiary Banque Cantonal de Genève (France) SA headquartered in Lyon with branches in Paris and Annecy. Dimension SA is a 100% subsidiary of BCGE and is in Lausanne. The company is specialized in business valuations and transmission. Capital Transmission SA based in Geneva is an investment fund. The company aims to support investors and companies in the expansion or transfer of business.

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Philosophy and Strategy
The roots of BCGE Bank are resolutely Genevan. The bank contributes to the development of the canton and the region by offering sustainable banking services.
The key values of Banque Cantonale de Genève are superior client service, loyalty and a qualitative excellent advisory service, transparency, and independence.

The strategy of the bank is to aim for long-term sustainable success. Thirteen different business lines have been introduced so that the specific needs of the clients can be fulfilled.
These business lines are for individuals; the day-to-day banking services, the savings and pensions, the fundamental financial planning, the private banking and the private financing.
The business lines for companies are; company financing, global commodity financing, commercial property financing, public authority financing, M&A, financial markets, asset management and banks and insurances.

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Services and Solutions
BCGE-Bank-2The BCGE Bank provides high-quality services to institutional and private customers.

For Individuals:

  • Day-to-day services are bank accounts, bank cards, safe deposit boxes and currencies
  • Online banking services are offered through the E-Banking
  • Saving can be through savings accounts or medium-term notes
  • Pension planning
  • Private banking includes discretionary management mandates, Lombard loans, private equity
  • Investments include online securities trading, investment funds, precious metals
  • Financing can be housing or consumer

For Companies:

  • Corporate finance and cash management
  • Property and construction finance
  • International commodity trade finance
  • Corporate consultancy
  • Equity finance

For Institutions:

  • Finance and cash management
  • Services to independent asset managers
  • Asset management with balanced active investment management, passive mandates, institutional
    Investment funds
  • Financial services and markets like stock markets, currencies, online forex platform, metals, capital

Risk Management
The Board of Directors is responsible for the establishment of the risk policy. The risk policy is applied to all Group companies. Several risk committees monitor, asses and manage the risks. The Board of Directors sets the risk limits for each business type. The Executive Board monitors the business activities continuously. The members of the Executive Board are responsible for the risk positions in their units and must act to reduce and manage the risks.

The types of risks are the credit risk, the market risk, including the interest rate risk and the foreign exchange risk, the liquidity risk, the operational risk, the share price risk and the legal & compliance risk.

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Added-Value Services
As of the end of 2017, the BCGE Bank has a market capitalization of 1.18 bn CHF. The bank has 7.2 million registered shares outstanding which are listed at the SIX Swiss Exchange. The return on equity (ROE) is 5.6 %, and the bank paid a dividend of 2.9 CHF per share which is 5.8 % of par value. The shareholder equity ratio is 6.5%. This ratio shows how much a shareholder would receive in case of a company-wide liquidation. The formula is shareholder’s equity divided total assets.

BCGE offers several financial information reports, as a daily stock market report, an investment strategy report, an interest rates trend report, an economic forecast report and economic overview report.

The BCGE Bank developed with a Geneva fintech company the forXchange platform. The platform was introduced to a few clients in 2017 and is ready to be rolled out.

Banque Cantonale de Genève was the first to offer a yuan savings account. One-third of the turnover is made in currencies other than the Swiss franc, mainly in US dollars and Euros. Commodity trade finance experienced a record year in 2017. The international private banking increased, and the correspondent banking did business with 386 banks in 57 countries.

BCGE Bank | Banque Cantonale de Genève – Facts & Figures

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Address Quai de l’lle 17, 1211 Geneva
Phone + 41 58 211 21 00
Year of foundation 1816
Subsidiaries 3
No. of employees 886
Rating S&P AA-
Chairman Manuel Leuthold
CEO Blaise Goetschin
Eligible Regulatory Capital 2.194 bn CHF
Tier 1 Ratio 15.10 %
Leverage Exposure 29.828 bn CHF
Leverage Ratio 6.80 %
Liquidity Coverage Ratio 201 %
Risk Weighted Assets 13.311 bn CHF
Loans outstanding 18.356 bn CHF
Assets under Management 34.1 bn CHF
Assets under Management / Employees 38.487 m CHF
Net profit 125 m CHF
Net Profit / Employees 141’083 CHF
Cost / Income Cost Ratio (CIR) 57.80 %
Return on Equity 7.00 %
Own structured products No
Foreigners accepted Yes
Presence abroad France, Dubai, Hong Kong

Source: Annual Report 2021

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