In 2025, Bank WIR posted a net profit of 17,7 million francs, representing an increase of 1,4 percent compared to the previous year, according to a media release issued on Friday.

«This is the result of the consistent implementation of our chosen strategy – combining banking and fintech services – and very strong operational performance,» said CEO Matthias Pfeifer.

Mortgage receivables increased by 2,8 percent to around 5,08 billion francs. Of this total, just under 358 million francs is reported in the bank’s own accounting unit, CHW. The bank said this underscores its pronounced strength as a construction and real estate financier.

Customer deposits grew by 2,2 percent to more than 4,7 billion francs. The bank attributed this to its push in the retail client business, offering cost-effective account and card services as well as comparatively attractive savings rates.

Gross interest income rose by 2,1 percent to 75,6 million francs. However, changes in loan-loss provisions and losses from interest operations led net interest income to decline by 4,0 percent to 73,8 million francs.

Growth in Pension and Investment Solutions

Fintech VIAC, which offers pension and investment solutions, accelerated its growth last year, the bank said. Assets under management increased to 6,3 billion francs by the end of 2025, driven by net new money inflows and strong stock market performance. The number of clients using the fintech’s various services rose to around 147'000.

At the end of January 2025, Bank WIR had reported 118'000 clients with assets under management of just under 4,7 billion francs.

Higher Income from Securities and Investment Business

The growth was also reflected in commission income from securities and investment business, which increased by 40 percent in 2025 to 12,4 million francs.

Operating expenses were 3,5 percent higher at 69,8 million francs. The bank said this figure reflects continued cost discipline. Investments were made in digital banking and in VIAC.

The Annual General Meeting will be proposed an unchanged dividend of 11 francs per share. As in previous years, shareholders may choose to receive it either as a «dividend with reinvestment» or as a cash payout.