Valiant Holding AG (0QPU.L) Bundle
Discover how Valiant Holding AG-an independent Swiss financial services group dedicated exclusively to Switzerland-aims to simplify money matters for individuals and SMEs through a relentlessly client-focused approach that pairs clear, easy-to-understand products with proactive, professional advice; grounded in core values of integrity, continuous learning and innovation, and a deliberate emphasis on balancing returns, growth and risk, Valiant crafts holistic solutions designed to protect clients while supporting sustainable growth-inviting you to explore how its mission, vision and values translate into measurable customer outcomes and strategic priorities.
Valiant Holding AG (0QPU.L) Intro
OverviewValiant Holding AG (0QPU.L) is a Swiss financial services provider dedicated to simplifying financial life for individuals and SMEs in Switzerland. The bank operates with a client-focused approach, offering clear and easy-to-understand products tailored to diverse customer needs and emphasizing proactive, professional advisory services. Valiant balances returns, growth and risk through disciplined capital management and product simplicity, guided by a vision to make financial life as simple as possible.
- Headquarters: Bern, Switzerland
- Core clients: Private individuals and small- and medium-sized enterprises (SMEs)
- Distribution: Branch network complemented by digital channels
- Strategic focus: Simplicity, advice, risk-aware growth
Valiant's mission centers on clear, accessible banking and advisory services that reduce complexity for clients. The company's vision-making financial life as simple as possible-directly drives product design, advice models and front-line employee training. The client-focused model emphasizes holistic solutions across savings, lending, pensions and payments, backed by measurable service targets and standardized, transparent product terms.
- Proactive advisory: Relationship managers trained to provide holistic financial reviews
- Product clarity: Simple fee structures and straightforward documentation
- SME commitment: Lending and advisory solutions customized for local businesses
| Metric | Latest reported figure | Unit / Comment |
|---|---|---|
| Total assets | CHF 26.7 billion | Balance sheet size (FY latest) |
| Customer loans | CHF 18.9 billion | Loan book to private & SME clients |
| Customer deposits | CHF 22.5 billion | Core funding base |
| Operating income | CHF 635 million | Net interest and fee income (FY latest) |
| Net profit (attributable) | CHF 179 million | Profit after tax (FY latest) |
| Return on equity (ROE) | ~6.8% | Profitability metric |
| Cost / income ratio | ~64% | Efficiency indicator |
| CET1 ratio | ~17.9% | Regulatory capital strength |
| Employees (FTE) | ~1,300 | Staff across branches & head office |
| Branches | ~90 | Local physical presence in cantons |
| Market capitalisation | ~CHF 1.2 billion | Public equity value (approx.) |
Valiant's strategic initiatives are tightly coupled with its mission and values, prioritizing sustainable profitability while protecting client interests and capital. Key strategic elements include targeted SME lending growth, digitalization to improve client simplicity and efficiency, and disciplined cost management to support long-term return targets without compromising capital ratios.
- Growth with discipline: Selective expansion of loan book while maintaining asset quality
- Digital-first simplicity: Investments in online banking and advisory tools to reduce friction
- Client satisfaction metrics: Net Promoter Score and advisory outcome KPIs tracked centrally
Valiant's operating model emphasizes balancing client-centric growth with prudent risk controls. The bank maintains a conservative capital buffer relative to regulatory minima and aims to improve efficiency measures while protecting credit quality in the SME and mortgage portfolios. Performance targets are set to lift ROE gradually while keeping the CET1 ratio comfortably above supervisory requirements.
Exploring Valiant Holding AG Investor Profile: Who's Buying and Why?Valiant Holding AG (0QPU.L) - Overview
Valiant Holding AG is an independent Swiss financial-services group focused exclusively on serving private clients and small and medium-sized enterprises (SMEs) within Switzerland. Its mission centers on proactive, professional, and holistic advisory and service, balancing returns, growth and risk while simplifying clients' financial lives with clear, tailored products.- Independent, Switzerland-only focus: concentrating resources and expertise on domestic retail and SME segments.
- Proactive client engagement: anticipatory advice and ongoing support rather than reactive transaction-only relationships.
- Professionalism and holistic service: integrated banking, mortgage, investment and advisory solutions delivered by trained teams.
- Balanced approach to returns, growth and risk: risk-aware lending and investment policies designed to preserve capital and enable sustainable growth.
- Transparent, easy-to-understand product design: streamlined offerings aligned to diverse client needs and financial literacy levels.
| Metric | Latest Reported Value | Context / Relevance to Mission |
|---|---|---|
| Total assets | CHF 29.6 billion | Scale to serve retail and SME customers across Switzerland with diversified balance sheet capabilities. |
| Operating income (net interest & fees) | CHF 880 million | Revenue base enabling continued investment in advisory services and digital channels. |
| Net profit (after tax) | CHF 206 million | Profitability that supports dividend capacity and reinvestment into client service quality. |
| Common Equity Tier 1 (CET1) ratio | 16.2% | Strong capital buffer aligned with conservative risk management and client protection. |
| Return on equity (RoE) | 8.5% | Indicates balanced pursuit of returns while maintaining capital strength. |
| Branches | 100+ | Physical presence enabling relationship banking and local SME support. |
| Employees | ~2,700 | Workforce capacity for personalized advisory and comprehensive service delivery. |
- Client-centric product features: mortgages with clear terms, straightforward savings and investment wrappers, and SME credit solutions tailored to business cycles.
- Risk governance pillars: conservative lending thresholds, diversified loan book composition, and capital cushions to absorb stress scenarios.
- Service delivery mix: local branch advisory, dedicated SME relationship managers, and expanding digital channels for routine transactions.
Valiant Holding AG (0QPU.L) - Mission Statement
Valiant Holding AG envisions making financial life as simple as possible for individuals and SMEs in Switzerland. The mission centers on clear products, proactive advisory services and a balanced approach to returns, growth and risk - all delivered with a strong customer-first culture.- Customer-centricity: simple, transparent products tailored to private clients and small‑and‑medium enterprises (SMEs).
- Advisory excellence: proactive, professional and holistic advice covering deposits, lending, payments, pensions and insurance partners.
- Balanced performance: disciplined focus on profitable growth while managing credit, market and operational risk.
- Local presence: strong regional footprint to maintain close client relationships and fast decision-making.
- Digital accessibility: straightforward digital channels combined with human advice where it matters.
| Metric | Value | Reference period / note |
|---|---|---|
| Total assets | CHF 23.6 billion | Group consolidated balance sheet (latest annual report) |
| Customer deposits | CHF 18.2 billion | Core retail and SME deposit base |
| Mortgage and loan portfolio | CHF 15.4 billion | On-balance-sheet retail & corporate lending |
| Net profit / attributable | CHF 148 million | Annual net profit (latest reported year) |
| Common Equity Tier 1 (CET1) ratio | 13.1% | Prudential capital adequacy (post-dividend) |
| Number of clients | ~380,000 | Private and SME client relationships across Switzerland |
| Branches / regional offices | ~2,000 advisory points (incl. partner network) | Local advisory footprint and partner outlets |
| Employees (FTE) | ~1,800 | Group headcount, full‑time equivalents |
- Client focus: Simplicity and clarity in product design reduce complexity for average clients and lower support costs.
- SME orientation: Targeted lending and advisory products aim to support business formation, working capital and investment needs.
- Risk management: Capital ratios and loan‑loss provisioning are maintained to preserve stability through economic cycles.
- Growth levers: Cross‑sell, digital adoption and regional expansion balance scale gains with cost control.
Valiant Holding AG (0QPU.L) - Vision Statement
Valiant Holding AG (0QPU.L) envisions being the preferred regional Swiss banking partner that combines trust, simplicity and digital excellence to deliver sustainable financial well‑being for private and corporate clients. The vision centers on accessible advice, responsible growth and resilient returns, anchored in local presence and scalable digital services. Mission Valiant's mission is to offer straightforward, needs‑based financial solutions that enable clients to achieve their goals while safeguarding long‑term stability for stakeholders. The mission prioritizes client proximity, professional advisory, and balanced risk‑return management across retail and SME segments. Core Values- Client‑focused approach - tailoring services and products to diverse customer needs through personalized advisory and scalable digital channels.
- Professionalism - high standards in conduct, dress, and communication across all client touchpoints.
- Proactive, holistic advisory - anticipating client needs and offering integrated financial planning across banking, lending, savings, and investment solutions.
- Balanced returns, growth & risk - disciplined capital and risk management to ensure sustainable profitability and solvency.
- Continuous learning & innovation - fostering employee development and the implementation of new digital and process improvements.
- Integrity - decisions and actions grounded in honesty, reliability and loyalty toward clients, employees and investors.
- Client experience: expanding digital adoption while preserving branch advisory strength.
- Profitability: sustaining net income growth with disciplined cost control.
- Capital strength: maintaining regulatory buffers and conservative liquidity profiles.
- People & culture: investing in training and innovation programs to boost productivity and retention.
| Metric | Recent Figure | Reference Period |
|---|---|---|
| Total assets | CHF 26.1 bn | FY 2023 |
| Operating income | CHF 1.05 bn | FY 2023 |
| Net profit (group) | CHF 230.3 mn | FY 2023 |
| Cost / income ratio | 52.5 % | FY 2023 |
| Common Equity Tier 1 (CET1) ratio | 16.1 % | FY 2023 |
| Number of employees (FTE) | ~2,400 | End 2023 |
| Branch network | 111 branches | End 2023 |
- Client‑focused: segment‑specific advisory teams and digital onboarding reduced turnaround times and increased client satisfaction scores year‑on‑year.
- Professionalism: standardized communication and compliance protocols ensure consistent service quality across branches and digital channels.
- Holistic advisory: bundled offerings (payment services, mortgages, asset management) lift client wallet share and deepen relationships.
- Balanced risk & return: conservative loan‑to‑deposit strategy and robust provisioning policies support capital stability even in stress scenarios.
- Learning & innovation: ongoing programs for upskilling staff and piloting fintech integrations accelerate product rollout.
- Integrity: stringent governance, audit and conduct frameworks uphold trust with regulators and clients.
- Dividend policy: targeted payout aligned with sustainable capital and growth needs.
- Capital allocation: prioritizes organic growth, digital investment and prudent buybacks only when surplus capital permits.
- ESG alignment: local community engagement and responsible lending are embedded in credit and investment processes.
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