Valiant Bank AG

Origin of Valiant Bank AG

Valiant-Bank-AG-1The roots of Valiant go back to the year 1824 when Ersparniskasse Murten was founded. 1997 Valiant Holding was established through the merger of Spar + Leihkasse, Berne, Gewerbekasse, Berne and BB Bank Belp. In 2012 all the different banks were put under one roof, the Valiant Bank.
Valiant has 91 branches and is located in 11 different cantons in Switzerland.
In March 2017 Valiant acquired Triba Partner Bank.

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Philosophy and Strategy
Valiant Bank AG is 100% focused on retail banking in Switzerland. The bank is independent and offers private clients and small- and medium-sized businesses a comprehensive range of services and products covering all financial needs.

Valiant has a very high loan portfolio. 97% (CHF 23.5bn) of the loans are covered, and 94 % of the mortgages are first-tier. Non-performing loans only amount to 0.16 % of total loans.

Valiant Bank AG has a very low-risk profile. The bank is only active in the retail client business, and the relationship with their clients is very long-term.

Valiant is making the most of their funding options. The aim is to stabilize the funding further and diversify the instruments the bank uses. Valiant will more also increase the number of stable client deposits and reduce the unsecured funding.

Valiant fosters an open, value-based culture within the bank and to the outside world.

The clients of Valiant Bank AG are:

  • Self-employed individuals and small companies 10 %
  • Medium-sized companies 1%
  • Affluent private clients 28%
  • Private retail clients 61 %

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Services and Solutions
Valiant-Bank-AG-2Valiant Bank AG focuses on the core tasks of a bank and offers the following services:

  • Payments
  • Savings
  • Investment
  • Financing
  • Retirement planning

Valiant Bank AG offers a mobile banking app and enables, therefore, the clients to make their payments at any time.

Valiant Bank AG offers their client simple saving products that are tailored to the client’s specific needs. On the Web page, there is a free of charge budget planner and savings calculator available.

Valiant has flexible and individual investment solutions. The bank draws up customized investment proposals based on the personal investor’s profile that was defined jointly with the client. Valiant continuously provides the client with assistance and support in attaining the long-term goals.

Finding the right financing product are the issues and needs of both private and business clients. The personal advisory services help the clients to meet their predefined needs. The strength of Valiant is their local knowledge and market-oriented lending conditions. Valiant knows the properties they finance and also see the investment companies that fund their investments needs with business loans.

Retirement planning
Valiant Bank AG, together with their client, customizes their retirement planning depending on their individual needs. Valiant has a team of retirement specialist helping their clients to achieve their specific goal.

Risk Management
Valiant Bank AG has no proprietary trading and has a very cautious risk policy. The risks are regularly addressed by the Executive Board, the Board of Directors and the Audit and Risk Committee.

Valiant has three risk categories:

  • Overarching risks, like systemic risks, strategic risks, reputational risks and equity risks
  • Primary risks, like credit risks, interest-rate risks, liquidity/funding risks and other market risks
  • Operational risks, like legal risks, compliance risks, and settlement risks

The Board of Directors is responsible for the overall risk policy. The policy aims to maintain a balanced risk/return tradeoff and manages the risks proactively and sets limits to the specific risks. Valiant’s risk tolerance involves the measuring, mitigating and monitoring of all material risks.

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Added-Value Services
Until 2020 Valiant Bank AG wants to achieve a return on equity of 6 to 8 percent. The bank expects a dividend payout ratio of 40 to 70 %. The total capital ratio is supposed to be between 15 and 17 %.
Valiant is expanding its geographical base and is moving more and more into bigger cities and fast-growing areas to reach a more significant clientele.

Valiant Bank AG is investing in digitization to make their client’s financial affairs simpler and to be a reliable partner to them in the digital world.
Valiant is ready to embark on non-organic growth, but it needs to be a good fit for their business model.
Since 2013 Valiant has reduced the interest expense by more than half.

Under the covered bond program, Valiant issued the first CHF 250 million tranche in November 2017. It is the first covered bond governed by Swiss law and with a Swiss guarantee. Moody’s assigned an Aaa rating to the bond.

Valiant Bank AG – Facts & Figures

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Address Bundesplatz 4
3001 Bern
Phone +41 31 320 91 11
Year of foundation 1824
Subsidiaries 91
No. of employees 873
Rating Moody’s A1
Chairman Jürg Bucher
Shareholder’s equity 2.203 bn CHF
Assets under Management 27.8 bn CHF
Assets under Management / Employees 31.844 mm CHF
Net profit 119.2 mm CHF
Net Profit / Employees 136’540 CHF
Tier 1 Ratio 17.2 %
Cost / Income Cost Ratio (CIR) 58.3 %
CEO Markus Gygax

Source: Annual Report 2017

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Few banks do not disclose their Annual Reports to the public. Therefore, we collected reliable information on a best-efforts basis. We renounced to collect 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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