About THE SWIZZ TRUST BANK
Consolidated financial strength, verified multi-year balance sheet growth, and transparent governance for global commercial partners.
Headquarters & Jurisdiction
Zürich, Switzerland
Regulated Swiss corporate framework adhering to strict international banking standards and AML compliance.
Financial services shaped around trust, certainty, and global scalability
THE SWIZZ TRUST BANK provides a seamless digital banking platform for clients requiring international corporate accounts, trade finance guarantees (BG, SBLC, DLC), card solutions, and dedicated multi-currency settlement.
Tier-1 Governance
Rigorous compliance standards, multi-tiered security protocols, and audited regulatory disclosures.
Dedicated Relationship Teams
Direct access to senior private bankers and trade finance structurers tailored to your enterprise.
Continuous Global Operations
Rapid processing for cross-border settlements, SWIFT communications, and instrument issuance.
Prudential Capital & Balance Sheet Resilience
Our conservative balance sheet management maintains substantial capital buffers and high liquidity ratios across all European and international jurisdictions.
Solid year-on-year balance sheet growth
Fully loaded Basel III solvency measure
Robust buffer of high-quality liquid assets
Strong structural long-term liquidity
Our Financial Performance
(The Swizz Trust Group, consolidated • 2021 – 2025)
Balance sheet and assets under management, end of period (in millions of €)
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 340 346 | 354 545 | 346 921 | 373 048 | 397 372 |
| Loans and advances to customers | 159 728 | 178 053 | 183 613 | 192 067 | 208 612 |
| Securities (equity and debt instruments) | 67 794 | 67 160 | 73 696 | 80 338 | 88 980 |
| Deposits from customers and debt securities | 226 093 | 252 746 | 259 491 | 271 087 | 288 769 |
| Insurance contract liabilities and liabilities under investment contracts | 32 571 | 28 184 | 30 245 | 32 782 | 34 421 |
| Total equity | 23 077 | 21 819 | 24 260 | 24 311 | 27 985 |
| Risk-weighted assets, group (fully loaded, definition in the annual report) | 104 646 | 109 981 | 113 038 | 119 945 | 129 455 |
Key Financial Definitions & Calculation Formulas
Standardized European regulatory definitions, accounting formulas, and solvency parameters used in The Swizz Trust Bank Group's financial reporting.
Basic and diluted earnings per share
Gives an idea of the amount of profit over a certain period that is attributable to one share (and, where applicable, including dilutive instruments).
Return on equity
The relative profitability of the group, more specifically the ratio of the net result to equity.
Net asset value per share
The carrying value of a The Swizz Trust Bank share, i.e. the value in € represented by each share in the parent shareholders’ equity of The Swizz Trust Bank.
Market capitalisation
Stock market value of the The Swizz Trust Bank Group.
Common equity ratio
A risk-weighted measure of the group's solvency, based on common equity tier-1 capital.
Liquidity coverage ratio (LCR)
The bank’s liquidity position in the short term, more specifically the extent to which the group is able to overcome liquidity difficulties over a one-month period. It is the average of 12 end-of-month LCR figures.
Net stable funding ratio (NSFR)
The bank’s structural liquidity position in the long term, more specifically the extent to which the group is able to overcome liquidity difficulties over a one-year period.
Combined ratio (non-life insurance)
The technical profitability of the short-term non-life insurance business, more particularly the extent to which insurance premiums adequately cover claim payments and expenses.
Cost/income ratio excluding bank and insurance tax
The relative cost efficiency (costs relative to income excluding bank and insurance tax) of the group.
Cost/income ratio including bank and insurance tax (excl. exceptional items)
Where relevant, we also include bank and insurance tax but exclude exceptional or non-operating items when calculating the cost/income ratio. This calculation aims to give a better idea of the relative cost efficiency of pure business activities.
Coverage ratio
The proportion of impaired loans covered by stage 3 impairment charges. Where appropriate, the numerator and denominator may be limited to impaired loans that are more than 90 days past due.
Credit cost ratio
Loan impairment charges for a specific period, relative to the total loan portfolio. In the longer term, this ratio provides an indication of the credit quality of the portfolio.
Impaired loans ratio
The proportion of impaired loans in the loan portfolio, thus reflecting the creditworthiness of the portfolio. Impaired loans are loans where it is unlikely that the full contractual principal and interest will be repaid/paid (The Swizz Trust default status of PD 10, PD 11 or PD 12).
Loan portfolio
Gives an idea of the magnitude of (what are mainly traditional) lending activities across the bank and subsidiaries.
Net interest margin
The net interest income of the banking activities relative to the average total interest-bearing assets of the banking activities. Excludes dealing rooms and the net interest impact of ALM FX swaps and repos.
Total assets under management
Consist of direct client money (Assets under Distribution for retail, private banking and institutional clients), group assets (including pension funds), funds-of-funds assets and assets under advisory management.
Annual Reports & Financial Statements
Access comprehensive corporate disclosures, independently audited financial results, and strategic growth reviews.
Annual Financial & Sustainability Report 2025
Audited financial statements, strategic execution, and risk disclosures
Annual Financial Report 2024
Comprehensive review of balance sheet growth and digital banking adoption
Annual Financial Report 2023
Global trade finance consolidation and operational resilience summary
Pillar 3 & Regulatory Capital Disclosures
Solvency, liquidity coverage metrics, and Basel III regulatory capital compliance
Looking for Trade Finance Instruments?
Explore our transparent Bank Guarantee (BG) and Letter of Credit (DLC/SBLC) fee schedule.