Business performance

The Raiffeisen Group achieved an excellent result in the past financial year and grew across all income items.

917 million

CHF Group profit

Group profit (in million CHF)

228

Mrd. Franken
billion total assets

Making Raiffeisen the third-largest player in the Swiss banking market.

CHF 173 billion

in mortgages

Strategy

In addition to achieving favourable growth in our core business, we also made further strides in the investment and corporate clients business in 2017. As in previous years, Raiffeisen pursued four strategic approaches, supplemented by the overarching goal of rigorously aligning its business activities with the digital future.

“In 2017, the Raiffeisen Group built on the previous years’ good results.”

60.8%

cost/income ratio

“In addition to further qualitative growth in its core business, Raiffeisen will continue to aim to reduce its dependence on the rates business.”

Risk policy and control

The Raiffeisen Group has adopted a cautious risk policy that considers long-term impacts. It puts great value on risk diversification and carefully avoids risk concentration, especially in lending activity. Scenario analyses support active, forward-looking risk management. Credit risks and risks associated with fluctuating interest rates are the Raiffeisen Group’s most important risk categories.

0.012%

losses on lending activity as % of loans to clients

Mortgages by rank in % – disclosure as per SNB statistics

“Security comes before profitability comes before growth”

Added value

Raiffeisen expanded its service range in the current year by launching a host of services. The private and investment clients business and the corporate clients business pressed ahead and reported growth.

13.1%

share of the savings market

Proportion of clients

160,000

corporate clients

Sustainability

Sustainability Sustainability is one of Raiffeisen’s four corporate values. For this reason, the cooperative banking group actively addresses challenges and opportunities in business, society and the environment, and is committed to making Switzerland a healthy place to work.

100%

of electricity from renewable sources

30%

CO2 reduction by 2020

Employees

Raiffeisen is an attractive employer that offers staff at every tier excellent employment conditions, interesting duties and modern workplaces. The Group makes targeted investments in the training and continuing education of young talent and managers, fosters individual development opportunities within the company and nurtures talent. Consistently promoting equal opportunities at all levels plays a crucial role in our work.

Employees

11,158 employees

With nearly 10 percent of all posts filled by trainees, Raiffeisen places great value on staff development.

49.5%

of all employees are women

32.8%

Number of part-time positions

Important events in 2017

  1. 16 January 2017

    Raiffeisen underscores its regional ties by launching regional share baskets

    Raiffeisen launches six regional share baskets, offering its clients and other prospective investors an attractive instrument for investing in companies in their region. This demonstrates how committed Switzerland’s third-largest banking group is to its region.

  2. 30 January 2017

    Raiffeisen renews its Super League title sponsorship

    At the SFL Award Night in late January, Raiffeisen announces that it will renew its commitment as the main sponsor of the Swiss Football League and the title sponsor of the Raiffeisen Super League for another four years.

  3. 16 March 2017

    Raiffeisen’s commitment has an impact in the Swiss arts scene

    As a founding partner of artlog.net, Raiffeisen opens a new chapter in arts sponsoring and also wins the Red Dot Award, an international design award. These activities underscore Raiffeisen’s long-standing commitment to the arts.

  4. 21 April 2017

    Raiffeisen launches business magazine SAVOIR FAIRE

    In April 2017, Raiffeisen launches SAVOIR FAIRE, a business magazine for corporate clients published in three languages. It offers business leaders’ insights and corporate success stories.

  5. 30 May 2017

    Raiffeisen TWINT: The digital wallet is ready

    Raiffeisen clients can now download TWINT, a platform-independent Swiss payment solution. That means that they, too, can benefit from direct account debits, payments among friends and a host of other features.

  6. 17 June 2017

    Raiffeisen delegates elect two new Board of Directors members for Raiffeisen Switzerland

    At the 114th Delegate Meeting in Fribourg, the delegates of the Raiffeisen banks elects two new members to the Board of Directors. The election of Laurence de la Serna and Prof. Dr Pascal Gantenbein is made with a view to succession planning in the coming years.

  7. 29 June 2017

    Pro Senectute Switzerland and Raiffeisen Switzerland to join forces

    Pro Senectute Switzerland and Raiffeisen Switzerland form a collaboration, with each contributing its expertise in pensions and senior living. The collaboration’s main focus is on jointly raising public awareness about the need for financial planning for retirement, and on sharing knowledge about new needs in senior living situations.

  8. 1 July 2017

    New Head of Raiffeisen Unternehmerzentrum AG

    Dr Matthias Weibel takes over as Managing Director of Raiffeisen Unternehmerzentrum AG (RUZ) on 1 July 2017.

  9. 14 August 2017

    lokalhelden.ch: One million Swiss francs for charitable projects

    A little over a year after its launch, total donations generated by the lokalhelden.ch crowdfunding platform break through the one-million franc mark.

  10. 15 September 2017

    Raiffeisen sells participation in Helvetia Holding Ltd

    Raiffeisen sells its entire 4% participation in Helvetia Holding Ltd. By selling its equity investment, Raiffeisen leaves the shareholder pool that includes the Patria Cooperative Society.

  11. 2 October 2017

    Raiffeisen pilots an expansion of its range of real estate services

    Raiffeisen enters the real estate marketing business as part of a pilot project with Raiffeisen Immo Ltd. The new Raiffeisen Switzerland subsidiary offers clients sound market knowledge and comprehensive advisory services for the purchase and sale of private residential properties.

  12. 13 October 2017

    FINMA proceedings at Raiffeisen Switzerland

    FINMA initiates enforcement proceedings against Raiffeisen Switzerland in October 2017. The Raiffeisen Switzerland proceedings relate to corporate governance, specifically, the way participations were handled in the past. The proceedings do not affect the Raiffeisen banks’ client business.

  13. 6 November 2017

    Raiffeisen Switzerland establishes new department and management structure

    Raiffeisen Switzerland tightens its client focus with a new department and management structure that takes effect on 1 January 2018. IT and client channels are to be given greater weight, and a new “Risk & Compliance” department actively addresses challenges in the regulatory environment. On a related note, Christian Poerschke is taking over the reins of the Finance Department from Marcel Zoller, who is taking early retirement on 30 April 2018. Poerschke will serve as the new CFO effective 1 January 2018. Rolf Olmesdahl is appointed COO effective 1 January 2018.

  14. 9 November 2017

    First-ever award of Raiffeisen’s Eastern Switzerland Prize for Entrepreneurship

    Raiffeisen’s first Eastern Switzerland Prize For Entrepreneurship is awarded in Gossau with 300 guests in attendance. Koch AG receives the grand prize at this award ceremony. The audience award goes to Bütschwil Käse AG.

  15. 17 November 2017

    Raiffeisen Schweiz and Avaloq define future relationship

    Raiffeisen Switzerland and Avaloq have put their relationship on a new footing and transformed their partnership into a pure customer-supplier relationship. Effective 1 January 2019, Avaloq will be taking over Raiffeisen Switzerland’s participation in the partners’ current joint venture, ARIZON. In this context, Raiffeisen Switzerland sells its 10% participation in the Avaloq Group to Warburg Pincus.

  16. 11 December 2017

    Dr Beat Hodel takes over the new Risk & Compliance department at Raiffeisen

    Raiffeisen appoints the previous Head of Group Risk Controlling, Dr Beat Hodel, as the new Head of the Risk & Compliance department. He will take over the reins on 1 January 2018.

  17. 14 December 2017

    The Raiffeisen Business Owner Centre (RUZ) expands westward

    Over the last four years, the Raiffeisen Business Owner Centre (RUZ) has evolved into a central element in Raiffeisen’s corporate client strategy. In addition to its three current locations, two additional centres will open their doors in Western Switzerland and in the Espace Mittelland region in 2018 and 2019.