BCG record profit: +137.2 million in the semester (cross-border guide)

Context

In a nutshell

• Record group profit: CHF 137.2 million (+18.2% year-on-year)
• Operating revenues grow to CHF 286.3 million (+11.2%)
• Cost/Income Ratio at 46.8%, stable equity at CHF 3.0 billion
• CEO Fust: revised upward forecast for the year 2026

Key facts

• What: Record half-yearly profit of Banca Cantonale Grigione (BCG)
• When: First semester 2026
• Where: Canton of Graubünden, Switzerland
• Who: Banca Cantonale Grigione — CEO Daniel Fust
• Amount: CHF 137.2 million group profit; CHF 286.3 million operating revenue; CHF 3.0 billion equity
• Growth: +18.2% profit compared to 2025; +11.2% operating revenues
• Efficiency: Cost/Income Ratio at 46.8%

Banca Cantonale Grigione closed the first half of 2026 with extraordinary results. Group profit reached CHF 137.2 million, an increase of 18.2% compared to the first half of the previous year. It is a milestone that highlights the solid position of the institution in the Swiss banking landscape and reflects its ability to generate value even in a complex economic context.

Growth was driven by all the income components of the institute. Operating revenues grew by 11.2% to CHF 286.3 million. Two pillars of this expansion: on the one hand, interest income increased by 9.3%; on the other, the result from commission transactions rose by 13.5%. At the same time, BCG supported

Operational details

Strength of the Swiss cantonal banking system

Cantonal banks are a backbone of the Swiss financial system. BCG, operating in the Canton of Graubünden, is among the players in this category. Record results such as those of the first half of 2026 signal that the cantonal banking model maintains significant economic vitality, despite global macroeconomic challenges: fluctuating interest rates, volatile inflation, and pressure from digital competition and online banking supply.

The increase in the Cost/Income Ratio to 46.8% does not represent a deterioration in management quality. On the contrary, for every franc of revenues, BCG spends 46.8 cents in operating costs: a ratio that for a regional and cantonal bank indicates managerial efficiency and control of operating costs, even during an investment phase in infrastructure and skills.

Implications for savers and customers

For BCG's private and corporate clients, capital strength (equity of CHF 3.0 billion) is a reassuring indicator. In the Swiss banking system, governed by stringent federal solvency rules, a bank with growing results and robust capital offers favourable conditions for savers and borrowers. Deposits with the BCG enjoy the protection provided by the Federal Deposit Guarantee Act of up to CHF 100,000 per depositor.

The increase in income

Useful tools to protect your net income

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Key points

Deposit Protection and Guarantees in the Swiss Banking System

All deposits with regularly authorized Swiss banks (including BCG) benefit from a protection of up to 100,000 Swiss francs per person at each institution. This protection is provided by the deposit guarantee system regulated at the federal level and implemented by individual banks or banking consortia. If you deposit 150,000 CHF with BCG, the first 100,000 CHF are guaranteed by the federal protection; the remaining 50,000 CHF do not fall under the coverage.

If you want to protect amounts exceeding 100,000 CHF, you have several options:

• Distribute your savings: open accounts with different banks (each bank offers protection up to 100,000 CHF per depositor).
• Investment management instruments: deposit with BCG through investment funds or portfolio management mandates, which offer internal diversification and additional protection based on the underlying securities.
• Certificates of deposit and bonds: instruments that transform the deposit into a bearer credit, with different risk and return profiles.

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