Headquartered in Zurich, Migros Bank AG is a wholly owned subsidiary of the Retailer Migros. As a universal bank, it is primarily active in the business with retail and private customers as well as with
small and medium-sized corporate clients. It was founded in 1958 by Gottlieb Duttweiler. In the
beginning, primarily savings accounts and mortgages were offered. In the 1990s funds and e-banking
services were added.
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Philosophy and Strategy
Migros Bank’s values – customer satisfaction is the bank’s focus. The client’s trust is the most
valuable asset for Migros Bank. Migros Bank is one of the leading banks in Switzerland. Migros Bank
is operating a responsible, consistently cautious risk policy without investment banking since its
foundation. Easy-to-understand products, expert advice, and favorable conditions: these are the
hallmarks of Migros Bank.
Values – Migros Bank
Is friendly and supports the concerns of their customers
Is courageous, creates new things and is responsible and risk-conscious
Treats each other respectfully, fairly and with humanity
Is eager to perform and create values.
Acts and communicates honestly
Migros Bank refrains from investment banking and short-term, risk-rich earnings maximization. The
bank pursues a stable, responsible business development.
Migros Bank is well positioned regarding equity, refinancing, and systems and has a robust earnings
position. The increase in prices for residential properties has noticeably flattened and in some
regions already shows first downward corrections. The risk of a real estate bubble has diminished.
There should be no significant mortgage defaults. With an unchanged interest rate policy of the Swiss
National Bank, Migros Bank sees higher earnings in 2018.
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Services and Solutions
Migros Bank offers private and commercial customers the most important banking services in good
quality and at attractive conditions. Trust, security, and discretion are key factors of a good customer
Migros Bank strives for long-term customer relationships based on a high level of mutual trust. In
advising, the bank avoids all forms of conflicts of interest and is guided exclusively by the needs of
the client. The bank does not engage in any business relationship with clients who represent extreme
political or religious positions or have rough social intolerance such as racism or misogyny.
Migros Bank is a competent partner in all investment decisions. Migros Bank offers three investment
The client follows developments in the financial markets and is well versed in securities and
foreign exchange trading. For the investment transactions, which the client does
independently, the client benefits from portfolio management services that are cheap,
secure and flexible.
The client is interested in the financial markets but also appreciates the expert knowledge of
specialists. For the investment transactions, the client benefits from a personal contact who
will advise on the investment decisions.
The client is responsible for the strategy, leaving the management of the portfolio to Migros
Bank’s specialists. The client benefits from up-to-date investment opportunities without
having to worry about the volatility of the markets.
Migros Bank offers five different strategies. These strategies are – income, conservative, balanced,
growth and dynamic.
The first step is to determine the investment profile and to select the appropriate strategy.
The readiness to assume risk is individually different; some people like to take high risk for higher
return, others prefer lower risk and therefore also lower return.
Migros Bank invests in four asset classes – money market, bonds, shares and alternative investments.
Migros Bank offers investment funds, precious metal accounts, and structured products.
The bank covers equities, bonds, raw material, and foreign exchange.
Migros Bank offers favorable mortgages with interesting conditions. The client receives the mortgage
at the best possible price.
With a Migros Bank loan, the client enjoys financial freedom for their plans and benefits from
attractive conditions. With the Lombard loan, the client can use securities as collateral.
Migros Bank has traditionally pursued a conservative risk policy. Due to their activity throughout Switzerland, credit risks are broadly diversified and largely secured with mortgages. The interest rate risk is monitored on an ongoing basis, and an appropriate asset & liability management is applied which is set by the Board of Directors. The other risks are of lesser importance for the assets and earnings situation of the bank.
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Migros Bank is a member of the Swiss Payments Council. In 2016, it launched the e-Pay payment service and integrated it into Migros online shops.
Migros Bank acquired a majority stake in CSL Immobilien. This will create a new, comprehensive provider of real estate services for corporate clients and private and institutional investors in the Swiss market. CSL Immobilien is one of the leading “total service providers” in the Swiss real estate sector.
Migros Bank introduced tablet-based tools to support the asset management department and also the mobile banking app was extended with various new functionalities, like touch and face ID, and card lock. The free cash withdrawal option for customers of Migros Bank was extended to Mirgrol petrol stations and Denner locations.
Thanks to ongoing investments in building and technology, Migros Bank’s total electricity consumption has been steadily reduced both in absolute terms and per unit of person. The bank only uses 100% recycled paper.
Migros Bank is the first major Swiss bank to refrain from bonuses. In this way, the bank promotes long-term, cross-client customer care through their employees.
Strong commitment to society and the environment
Migros Bank supports the Promotion Fund Migros with 10% of its dividend yearly. The fund promotes sustainable start-up projects. In 2017 the contribution amounted to 5.3 million CHF.
We act exclusively in the interests of the client.
We are a fully independent boutique law firm. That’s why we don’t have any cooperation agreements with the banks.
Few banks do not disclose their Annual Reports to the public. Therefore, we collected reliable information on a best-efforts basis. We renounced to collecting information from unreliable sources. Until today, Swiss law does not impose the duty of publication to the banks as it is the case in the EU. Therefore, for a few banks, the information from the annual reports was not summarized and published.
There are some smaller banks without a rating. It makes no sense for them to apply for a rating because they are not involved in the lending business. If the bank has no rating, it’s not automatically a negative point. There are excellent private banks without a rating.
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