Retail financial market

PostFinance is one of Switzerland's leading financial institutions and, as number one for payment transactions, ensures a seamless flow of liquidity. It is the ideal partner for anyone who manages their own finances. Whether in payments, savings, investments, retirement planning or financing – PostFinance provides its private and business customers with straightforward products at attractive conditions. PostFinance offers large business customers tailored solutions along the entire value chain.

1 Normalized figure. See “One-off items and normalization”.

Strategy and objectives

For all your daily financial needs

PostFinance is equally committed to all of its customers: the young and the elderly, customers with large and with small assets, young entrepreneurs and established companies. It supports its customers, whatever their personal concerns, treating all as equals – honestly, fairly and in partnership.

Digital services

Money management – simple, online and mobile

Smartphones and tablets are everywhere: in Switzerland, more and more people use mobile devices. With this in mind, PostFinance is focusing on easy access to electronic services and continually expanding its app.

Migration of payment transactions

Harmonizing payment transactions in Switzerland

Payment transactions in Switzerland will be standardized over the next few years. As the number one for Swiss payment transactions, PostFinance is actively helping to shape the financial market.

Working capital management

More financial freedom thanks to working capital management

Many large companies tie up too much capital in work processes. With working capital management (WCM), PostFinance helps companies to create financial flexibility by taking account of process-related and logistical aspects.

New legal status

PostFinance Ltd under banking supervision

As a public limited company, PostFinance remains under the ownership of Swiss Post, which in turn is owned by the Swiss Confederation. PostFinance continues to fulfil its universal service obligation with services in payment transactions. Its lending business remains subject to restrictions.

Equity base

Well capitalized

FINMA classifies PostFinance as a “very significant market participant” in bank category 2. Financial institutions in this category must have an equity ratio of between 13.6 and 14.4 percent. With a ratio of 20.7 percent, PostFinance Ltd complies with the strict requirements of Basel III, in terms of both the amount and the composition of the equity.