Mission Statement, Vision, & Core Values (2025) of Graubündner Kantonalbank.

An Overview of Graubündner Kantonalbank

General Overview of Graubündner Kantonalbank

Founded in 1884, Graubündner Kantonalbank (GKB) has played a pivotal role in the financial landscape of Switzerland. Headquartered in Chur, it is recognized as one of the oldest cantonal banks in the country. GKB offers a variety of financial services, including private banking, corporate banking, and asset management, primarily serving clients in the canton of Graubünden and beyond.

As of 2024, GKB has seen a significant expansion of its product offerings, which now include sustainable investment solutions and digital banking services. The bank reported total sales of approximately CHF 650 million in 2023, reflecting a steady growth trajectory in both retail and business banking sectors.

Company's Financial Performance in the Latest Financial Reports

For the fiscal year ending 2023, Graubündner Kantonalbank reported an impressive revenue growth of 10%, reaching CHF 720 million, marking a record high, driven largely through increased loan demand and robust asset management services. The bank's net profit also showcased resilience, with a reported CHF 210 million after-tax profit, achieving a notable return on equity (ROE) of 7.5%.

The main product sales that contributed to this financial performance included residential mortgages, which accounted for approximately 60% of the total loan portfolio. Furthermore, GKB experienced a 15% growth in deposits, now totaling approximately CHF 12 billion.

Introduction to Company as a Leader in the Industry

Graubündner Kantonalbank stands out as a leader in the Swiss banking sector, reflecting its commitment to customer-centric services and a strong local presence. With a market share of approximately 12% in the cantonal banking sector, GKB excels in providing tailored financial solutions that meet the needs of both individuals and businesses.

Investors and analysts are encouraged to explore GKB’s robust financial health and competitive advantage further. The bank’s innovative approach, especially in digital banking and sustainable investment practices, positions it favorably for future growth and market expansion.

Mission Statement of Graubündner Kantonalbank

Company's Mission Statement

The Mission Statement of Graubündner Kantonalbank (GKB) encapsulates its commitment to providing comprehensive banking services tailored to its clients' needs while fostering sustainable development in the region. It serves as a foundation for the bank's strategic objectives and operational practices, aligning efforts towards customer satisfaction, local engagement, and financial stability.

Core Component 1: Customer Focus

GKB emphasizes a customer-centric approach, aiming to enhance user experience and satisfaction. The bank invests in innovative solutions to meet evolving client expectations. As of 2023, GKB reported a customer satisfaction score of 88%, reflecting its dedication to addressing client needs effectively.

To solidify this commitment, GKB has introduced digital banking services that saw a year-on-year increase of 25% in active users, allowing greater accessibility and convenience for customers.

Core Component 2: Regional Commitment

Graubündner Kantonalbank is deeply embedded in the regional economy, striving to support local businesses and communities. In 2023, the bank allocated over CHF 100 million in financing for regional projects, including infrastructure and small business loans.

GKB also promotes job creation, having supported approximately 1,200 jobs in local enterprises through its lending programs in the past year. This investment underscores the bank's role as a pivotal player in fostering economic development in Graubünden.

Core Component 3: Sustainable Development

The mission reflects a strong commitment to sustainable practices. GKB has integrated environmental considerations into its lending criteria, with over 30% of its loan portfolio directed towards sustainable projects, including renewable energy initiatives and eco-friendly businesses.

In its 2022 Sustainability Report, GKB outlined a target to reduce its carbon footprint by 40% by 2025, establishing concrete measures to promote sustainability in operations and investments.

The Mission Statement of Graubündner Kantonalbank, with its focus on customer service, regional commitment, and sustainable development, illustrates its strategy for growth and community engagement while maintaining financial prudence and responsibility.

Vision Statement of Graubündner Kantonalbank

Vision Statement Overview

The vision statement of Graubündner Kantonalbank (GKB) as of 2024 aims to articulate the bank's long-term aspirations. It reflects a commitment to serving the community, fostering sustainable development, and leveraging digital innovation.

Community Engagement

GKB emphasizes strengthening its ties with the community. In 2023, the bank invested over CHF 2.5 million in local projects and initiatives. This investment aims to support sustainable growth and enhance the quality of life in the Graubünden region.

Sustainable Development

The vision includes a strong focus on sustainability. GKB has committed to reducing its carbon footprint by 20% by 2025, in line with Switzerland's climate goals. As of the latest reports, GKB’s sustainable financing amounted to CHF 500 million, earmarked for green projects.

Digital Innovation

In line with its vision, GKB is investing extensively in digital transformation. In 2023, the bank allocated CHF 10 million towards upgrading its digital banking services. This effort is aimed at enhancing customer experience and ensuring accessibility in a digital-first environment.

Financial Performance Metrics

GKB's vision also intersects with its financial performance goals. For the fiscal year 2023, the bank reported a net income of CHF 120 million, with total assets reaching CHF 25 billion. This strong performance underlines the alignment of its vision with sustainable financial growth.

Customer-Centric Approach

GKB's vision emphasizes a customer-centric approach, with plans to enhance customer satisfaction scores by 15% by 2025. In 2023, customer satisfaction stood at 82%, reflecting the bank's commitment to addressing client needs effectively.

Long-Term Aspirations

The long-term aspirations of GKB are not only about financial success but also enhancing regional prosperity. The bank aims to become an industry leader in sustainability and digital banking, driving innovation in the financial services sector.

Core Values of Graubündner Kantonalbank

Integrity

Integrity is fundamental to the operations at Graubündner Kantonalbank, ensuring transparency, trust, and ethical conduct in all interactions.

In 2023, the bank was recognized for its robust compliance framework, maintaining a compliance ratio of over 95%, which highlights its commitment to regulatory adherence. Additionally, the launch of the Integrity Awareness Program in early 2024 emphasized ethical decision-making training for all employees, resulting in a 20% increase in reported ethical concerns being resolved satisfactorily.

Customer Orientation

Customer orientation drives Graubündner Kantonalbank to prioritize the needs and expectations of its clients in every service offered.

The bank reported a customer satisfaction rate of 92% in its 2023 annual survey. In response to customer feedback, the bank launched the Digital Banking Initiative, which led to a 30% increase in mobile banking usage within six months, demonstrating how it adapts services to enhance customer experience.

Innovation

Innovation is vital for Graubündner Kantonalbank’s growth strategy, fostering a culture that encourages forward-thinking solutions.

In 2023, the bank invested CHF 10 million in technological advancements, focusing on fintech partnerships to enhance digital offerings. The introduction of AI-powered financial advisory services has attracted over 5,000 new clients since its launch in Q1 2024, highlighting the bank's push toward modern, tech-driven solutions.

Sustainability

Sustainability reflects the bank's commitment to responsible banking practices and environmental stewardship.

Graubündner Kantonalbank achieved a significant milestone in 2023 by increasing its loans for sustainable projects by 30%, amounting to CHF 150 million. Furthermore, the bank’s sustainability reporting aligns with the Global Reporting Initiative standards, providing transparency on its environmental impact and aiming for a 50% reduction in carbon emissions by 2030.

Community Engagement

Community engagement underscores the bank's dedication to contributing to the social and economic well-being of the regions it serves.

In 2023, Graubündner Kantonalbank committed CHF 2.5 million to local community projects, including education and cultural initiatives. The bank also organized the annual Community Day, attracting over 1,000 participants and raising funds for local charities, further solidifying its role as a community partner.