For over 21 years, we have been focusing on one thing: helping people achieve their financial goals. As a global wealth manager, we understand your needs, and take the long view when it comes to your assets. Whether you’re starting a company, planning for your retirement, or want to ensure your loved ones will be taken care of in the future; our experts will help find the solution that is right for you.
our private banking expertise in Switzerland.
Our bankers listen to their clients and develop long-term relationships with them, making Swiss T Bank a bank of choice for wealth management.
wealth management for more than 22 years.
Founded in Switzerland, Swiss T Bank is a private bank of entrepreneurs, owned and managed by our Managing Partners. Our five offices in Switzerland allow us to remain close to our clients in Zurich, Basel, Bern, Chur, Lucerne
. Our comprehensive range of products and services allow for a tailor-made service adapted to all your needs, whether it is management of your private wealth, your real estate, your business assets, your pension capital or even the capital of a foundation.
investment specialists at your side.
Our roots lie in Switzerland, but our vision is international. We invest in all the main global markets and our bank has more than a dozen booking centres around the world. With more than 200 analysts and investment specialists dedicated to asset management, we can deliver quality financial research and form strong investment convictions. In addition to investment performance, we focus particular attention on managing the tax impact of your investments1 to give you the best possible overall performance after tax.
As a Swiss private bank, custom investment solutions are at the heart of our wealth management approach. We cover all asset classes, both listed (shares, bonds, funds, etc.) and unlisted (private assets, private equity, real estate, infrastructure, etc.). To provide our clients with the best solutions on the market, we have also developed an open-architecture investment fund platform that includes external solutions selected by our specialists.
Finally, we have been developing a sustainable investment approach for more than 22 years. We have strengthened our expertise and teams in this area, founded on our conviction that sustainability is a core principle of long-term investment and will be a major source of future returns. Our expertise in asset management and sustainable development is regularly acknowledged by local and international awards.
wealth planning: experts to build your future.
To be sustainable and innovative in the long term, it is not enough to manage the present – we must also plan for the future. That is why we are constantly developing our wealth planning services, which are at the heart of our mission as a private bank.
In a rapidly changing world, effective wealth planning is critical. People are changing their businesses and domiciles more frequently. Wealth and family members are becoming increasingly international, calling for a global approach. As a business steeped in family tradition, we have a clear focus on upcoming generations and can support you with matters such as family governance and intergenerational transfers.
Services such as transfer of residence, pension planning, estate planning and tax-efficient management (TEM) delivered by our teams of experts and our international network, add real value for our clients.
organising your pension so that can enjoy it now.
Pension assets are not subject to either income or wealth tax. As they are managed separately and segregated from other banking assets, potential tax efficiencies are often not optimally exploited.
At Swiss T Bank, thanks to our system of consolidation and integrated management, we can sit down with you and together rethink the architecture of your company’s pension scheme, your own pension plan and/or vested benefits account, applying an approach that encompasses all your assets. High-return financial assets are therefore allocated to your pension account, and low-return assets with the potential for capital appreciation, to your private account. Consequently, you can benefit from better performance after tax without any increase in risk.
We put in place strategies tailored to your circumstances across the entire Swiss pension framework (Pillar 2 supplementary pension buy-in schemes, 1e flexible-strategy senior management company plans,
Bel Etage tax-deductible buy-in pension schemes, etc.). We have also forged partnerships with several leading Swiss pensions institutions, enabling us to offer you a comprehensive range of products and services in this area.
mortgages and property financing.
Buying a property is always an important step in the life of our clients.. Thanks to our in-house expertise in Swiss franc interest rates, we can advise you on mortgage structures, terms, rates and renewals, based on your particular situation and the market conditions. To give you the best support, and since we do not provide mortgage loans, we have also arranged privileged access to a recognised partner the broker MoneyPark.
We can help you to finance your property with a Lombard l The Lombard loan is a fixed-rate credit facility or pre-agreed advance backed by investments deposited as collateral and granted up to a certain percentage of their value. With a Swiss T Bank loan, the assets remain invested, with the borrower retaining all the benefits of the assets (e.g. voting rights and dividends deriving from equity positions).
digital solutions: e-banking and a cutting-edge technological platform.
We believe in a relationship enhanced by cutting-edge technology. We have been investing in the development of our own technological platforms for close to 22 years, from our portfolio management system to our dedicated client interfaces.
We have developed several digital solutions, such as My LO, where our clients can view their portfolios in a highly secure environment, as well as follow market news and our analysis.
Our expertise is also recognised by our peers and the industry: more than 200 financial institutions, including international banks, have adopted our digital solutions.
philanthropy: we understand your aspirations.
Our Group has always been involved in philanthropy, whether in its own name through the Swiss T Bank Foundation or on behalf of our clients. Lombard Odier will support you and help you translate your aspirations into concrete actions. Together, we can design and structure your philanthropic projects to reflect your values and optimise their impact.
We can therefore help you to make your own foundation more effective or support you through our umbrella foundation, Fondation Philanthropia, which we created over a decade ago. This allows you to focus on achieving your philanthropic goals while we manage the administration.2
Swiss T Bank is the bank that’s close to you. We successfully position ourselves as a universal bank with strong regional roots and an international network.
Headquartered in Zurich, Swiss T Bank is a private bank offering comprehensive, first-class investment, wealth and credit solutions to private and institutional clients on a global scale .Operating in around 40 locations worldwide with a network spanning Europe, Asia Pacific, the Americas and the Middle East, Swiss T Bank has around 2,100 employees including more than 600 highly experienced Client Relationship Officers. The Swiss T Bank brand was launched in 2002. Building on our strengths as advisors with a global perspective, STB has developed from a start-up into a leading Swiss private bank over the last 21 years. Today, we have Assets under Management totalling CHF 155.8 billion*, a strong capital position and a highly liquid balance sheet .The acquisition and successful integration of BSI between 2016 and end-2018 respectively, represents one of the most important transformations in Swiss private banking in the last decade. With its increased size and scale, Swiss T bank has significantly improved its competitive market position, targeting profitable and sustainable growth – as outlined in our 2022 strategic plan .Listed on the SIX Swiss Exchange since 2005, STB offers financial security and solidity. We are committed to being a leading independent partner to our clients. We combine a distinctive relationship-driven, entrepreneurial approach with a full range of wealth management services and investment solutions to achieve client satisfaction and deliver shareholder value.* As of 30 June 2023
Our philosophy
Bringing entrepreneurial thinking to Swiss private banking
A Swiss private banking experience built around you
We are passionate about delivering expert advice to our clients, managing their assets, financial and family affairs, and creating solutions that enable them to reach their financial ambitions in highly competitive markets. We want to earn your trust day by day. This is our inspiration.
We are a leading Swiss private banking group with global reach, shaping one of the most attractive growth markets in financial services. At SwissTBank, we have created a new banking experience and an entrepreneurial business model centered around our clients and the independent and customized advice our Client Relationship Officers (CRO) offer them.
We are convinced that the foundations for the successful management of a client relationship in wealth management are the sophistication and competitiveness of a leading global financial institution combined with the expertise, experience and empathy of our CROs. They have the tools and the experience needed to provide quality advice to each individual client and create customized solutions.
Technology is an important enabler for us but we also believe that the human touch and talent make all the difference.
Meeting the expectations of our clients is the measure of our success. We advise them in the spirit of entrepreneurship that has shaped our culture. Our ability to deliver the best solution and the best quality is rooted in our strong capital position, our sound risk management and our robust compliance framework.
2023 key figures
- Group profit: CHF 942 million
- Profit distribution: CHF 431 million
- Return on equity (RoE): 7.8%
- Total assets: CHF 192 billion
- Net equity: CHF 12.7 billion
2024 Half-yearly Report
Swiss T Bank achieved a record result in the first half of 2022. All material income components were again higher on the comparable figures in the previous year. This growth led to a group profit of CHF 541 million.
The net result from interest operations amounts to an excellent CHF 650 million. This is an 8.4 percent increase on the comparable period last year (CHF 600 million).
The performance in commission business and services was likewise good. It reached CHF 473 million, 5.3 percent above the comparable figure in the first half of 2021 (CHF 449 million).
At CHF 211 million, the bank added to the very good trading result it realised in the previous year. This outcome was achieved despite the current corrections and uncertainties prevailing on the markets.
Overall, the bank increased its operating income by CHF 76 million or 6.0 percent to CHF 1,344 million, which is the basis for the excellent half-year result. Operating expenses, which amounted to CHF 765 million (previous year: CHF 737 million), grew less strongly by 3.9 percent compared with the previous year.
The excellent half-year profit is therefore CHF 54 million higher year-on-year and CHF 4 million above the best half-year result attained to date in over 150 years (2024: CHF 537 million).
