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Alternative Bank Switzerland

Website www.abs.ch
Location Switzerland
Key figures Scorecard Impact story

Mission

Alternative Bank Switzerland (ABS) aims to further the common good and to protect people and nature through its business activities so that the world remains worth living in – both now and in the future. It does not pursue profit maximisation. Instead, it follows ethical principles in all its business activities. As a pioneer in social and ecological banking, it sets an encouraging example for the financial industry and is a model for other banks in Switzerland.

History

The founding of ABS goes back to a social movement consisting of major environmental, social and development organisations and private persons that fought for an alternative, value-based approach to banking at the end of the 1980s. By 1990 it had obtained the authorisation of the Federal Banking Commission and collected the required share capital to begin operations. Its head office in Olten was opened in the same year. Amongst other non-conventional products, the Innovation Fund Association was set up by the bank in 1996 to support projects that are unable to obtain financing from traditional banks. In 2002, ABS expanded its product range to include socially responsible investing and impact investing. An analytical tool developed by ABS, the ABS Property Rating, was launched in 2004 to assess the sustainability of buildings. Since 2012, ABS has controlled all real estate finance with respect to urban sprawl. Since 2014, ABS has offered managed accounts with a special emphasis on impact in its range of investment advisory services. Today, ABS has more than 33,000 clients, 6,500 shareholders and assets under management in the order of CHF 2 billion. It operates in two national languages (German and French) and at three locations (Olten, Zurich and Lausanne). In 2019, it will launch the first investment fund of its own and open an office in Geneva.

Management Board

  • Martin Rohner (Chief Executive Officer, Head of Corporate Development)
  • Ursula Baumgartner (Member of the Executive Board, Head of Lending)
  • Michael Diaz (Member of the Executive Board, Head of Investing)
  • Etienne Bonvin (Member of the Executive Board, Head of Finance & Administration)

Market Focus, Products and Services

ABS´s products and services are aligned with its clients’ requirements concerning savings, investments, corporate finance, real estate finance and payments. The bank focuses on developing products and services that support sustainable economic activity and enable positive social and environmental change. It also aims to raise its profile in the market and to be a political voice on the role of finance in sustainable development. Loans are issued in the area of social or ecological housing (including loans for private individuals), social organisations, organic agriculture and renewable energy as well as sustainable business. The investment advice provided by the bank is aimed at people who want to invest responsibly and have a positive impact on people and the environment. ABS gears its products and services towards private individuals, non-profit associations and small and medium-sized enterprises that share its aims and values.

Share 

Key figures for Alternative Bank Switzerland

* Figures in USD million
** Based on local currency
 20172016201520142013
Total Assets1,7871,6241,6021,5891,546
Funds Under Management519436387303291
Total Assets and Funds Under Management2,3062,0611,9891,8921,837
Total Assets and FUM Growth (One Year)**7.23%6.31%5.44%14.49%12.63%
Loans (net)1,3661,1811,0661,006997
Loans to Total Assets76.4%72.7%66.6%63.3%64.5%
Loan Growth (One Year)**10.83%13.66%6.37%12.08%4.88%
Client Funding1,6021,4691,4771,4761,438
Client Funding to Total Assets89.6%90.4%92.2%92.9%93.0%
Client Funding Growth (One Year)**4.46%2.05%0.43%14.09%10.96%
Equity17714611110387
Equity to Total Assets9.9%9.0%6.9%6.5%5.6%
Tier 1 Capital Ratio16.5%15.1%12.2%13.5%11.1%
Total Revenue27.226.424.123.921.4
Net Income6.86.96.52.92.4
Return on Assets0.38%0.41%0.39%0.17%0.16%
Return on Equity3.85%4.57%5.70%2.59%2.80%
Cost to Income Ratio65.8%62.7%68.3%NANA
Co-workers107103969085
Clients (sum of lending and deposit)32,83131,55131,61630,59930,729

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