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alt_bank

Alternative Bank Switzerland

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

Mission

The Alternative Bank Switzerland (ABS) emphasises ethical principles instead of maximum profits. As the leading provider of ethical banking services and a pioneer in the implementation of social and environmental standards, ABS gives encouragement to the Swiss banking and financial markets. All banking activities are based on transparency.

History

ABS was initiated by the environmental, social and development organisations and movements in the end of the 1980´s. It obtained the authorisation of the Federal Banking Commission and assembled the required share capital by 1990. In that same year, the head office was opened. 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 finance from traditional banks. An analytical tool developed by ABS, the ABS Property Rating, was launched in 2003 to assess sustainability of buildings. In 2005 an external authority was established to verify the bank’s ethical standards. Five offices (two branches and three information offices) have been opened in different Swiss regions.

Management Board

  • Martin Rohner (Chief Executive Officer)
  • Etienne Bonvin (Member of the Executive Board)
  • Ursula Baumgartner (Member of the Executive Board)
  • Michael Diaz (Member of the Executive Board)

Market Focus, Products and Services

ABS´s products and services are aligned with its client requirements concerning savings, investments, financial security, company financing, real estate and monetary transactions. Loans are issued principally in the area of social or ecological housing (also for private individuals), organic agriculture, renewable energy, as well as SME’s.

ABS offers investment advice and ethical/sustainable investment funds. The focus is the development of innovative products and services that support sustainable economic actions, to amplify ABS´s profile and to provide possibilities that do not exist in the traditional market.

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Key figures for Alternative Bank Switzerland

* Figures in USD million
** Based on local currency
 20142013201220112010
'Total Assets' 1,592 1,546 1,357 1,189 1,072
'Total Loans' 1,008 997 926 854 801
'Total Deposits' 1,476 1,438 1,261 1,105 995
'Total Equity' 107 88 79 69 64
'Equity/Total Assets' 6.7% 5.7% 5.8% 5.8% 6.0%
'BIS 1 Ratio' 13.5% 11.1% 11.6% 11.2% 11.1%
'Total Revenue' 24 21 21 20 15
'Net Income' 2.9 2.4 2.4 2.4 0.5
'Total Loans/Total Assets' 63.4% 64.5% 68.2% 71.8% 74.7%
'Total Deposits/Total Assets' 92.7% 93.0% 93.0% 92.9% 92.8%
'Loan Growth**' 12.4% 4.9% 5.5% 6.5% 11.0%
'Deposit Growth**' 14.1% 11.0% 11.0% 11.0% 10.3%
'Cost/Income Ratio' 73.1% 74.3% 73.0% 73.6% 57.0%
'Return on Assets' 0.17% 0.16% 0.19% 0.20% 0.05%
'Return on Equity' 2.5% 2.8% 3.2% 3.4% 0.8%
Co-Workers 90 85 84 80 80

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