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1. Company Snapshot

1.a. Company Description

Banque Cantonale de Genève SA provides a range of banking services to private, corporate, and institutional clients.The company offers current and individual accounts, savings accounts, safe deposit boxes, currencies, and bank cards; short, medium, and long term savings products; and pension planning, investment, private banking, housing finance, and consumer financing services.It also provides corporate finance, cash management, export, real estate and construction finance, international commodity trade finance, corporate advisory, and equity finance services.


In addition, the company offers finance and cash management, asset management, and advisory services; financial services and market products for banks and insurance companies; and services to independent wealth managers.Further, it is involved in the real estate brokerage, assets transfer, online banking, and companies valuation and selling activities.Additionally, the company provides mortgage lending, and commercial and personal loans, as well as loans for international trade; and manages public offerings and placements in the financial markets.


It operates through a network of 21 branches and 125 ATMs, as well as operates offices in Lausanne, Zurich, Basel, Lyon, Annecy, Paris, Dubai, and Hong Kong.The company was founded in 1816 and is headquartered in Geneva, Switzerland.

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1.b. Last Insights on BCGE

Banque Cantonale de Genève SA faced challenges due to European market volatility, with the STOXX Europe 600 Index declining 1.10% amid profit-taking and political uncertainties. The bank's recent 10-to-1 stock split, effective October 15, 2025, aims to enhance liquidity and attract retail investors. However, with no recent earnings release available, investors are focusing on the bank's strategic shifts, including new leadership and refreshed private banking and asset management divisions. According to recent reports, dividend stocks, including BCGE, are being considered for their reliable income stream and potential for capital appreciation.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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3 European Dividend Stocks Yielding Up To 6.2%

Oct -15

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3 Global Dividend Stocks To Consider With Up To 4.8% Yield

Oct -15

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3 European Dividend Stocks To Enhance Your Portfolio

Oct -15

Source:

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How BCGE's 10-to-1 Stock Split and Leadership Shift (SWX:BCGE) Has Changed Its Investment Story

Oct -13

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Banque Cantonale de Genève SA's (VTX:BCGE) market cap surged CHF78m last week, state or government who have a lot riding on the company were rewarded

Apr -08

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Banque Cantonale de Genève's (VTX:BCGE) 22% CAGR outpaced the company's earnings growth over the same three-year period

Mar -12

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Individual investors own 25% of Banque Cantonale de Genève SA (VTX:BCGE) shares but state or government control 66% of the company

Oct -19

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State or government invested in Banque Cantonale de Genève SA (VTX:BCGE) copped the brunt of last week's CHF64m market cap decline

May -12

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (2.00%)

6. Segments

Banking and Related Activities

Expected Growth: 2.0%

Banque Cantonale de Genève SA's 2.0% growth in Banking and Related Activities is driven by increasing demand for mortgage lending, growth in corporate banking, and expansion into wealth management services. Additionally, the bank's strong capital position, cost control measures, and digital transformation initiatives have contributed to its growth.

7. Detailed Products

Private Banking

Personalized financial services for high net worth individuals, including investment management, wealth planning, and tailored financial solutions.

Corporate Banking

Customized financial solutions for businesses, including cash management, trade finance, and risk management.

Retail Banking

Everyday banking services for individuals, including current accounts, credit cards, and personal loans.

Asset Management

Investment management services for institutional clients, including portfolio management and investment advisory services.

Wealth Management

Comprehensive wealth management services, including investment advice, portfolio management, and estate planning.

Transaction Banking

Efficient and secure payment solutions for businesses, including cash management and trade finance.

Markets and Trading

Access to global markets and trading services, including foreign exchange, commodities, and derivatives.

8. Banque Cantonale de Genève SA's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Banque Cantonale de Genève SA is moderate, as customers have alternative banking options available in the market.

Bargaining Power Of Customers

The bargaining power of customers is low, as Banque Cantonale de Genève SA has a strong brand reputation and a wide range of financial products and services.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate, as Banque Cantonale de Genève SA relies on a few large suppliers for its operations, but has some flexibility to negotiate prices.

Threat Of New Entrants

The threat of new entrants is low, as the banking industry has high barriers to entry, including regulatory requirements and high capital requirements.

Intensity Of Rivalry

The intensity of rivalry is high, as Banque Cantonale de Genève SA operates in a highly competitive banking industry with many established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 75.98%
Debt Cost 3.95%
Equity Weight 24.02%
Equity Cost 4.52%
WACC 4.08%
Leverage 316.32%

11. Quality Control: Banque Cantonale de Genève SA passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Banco BPM

A-Score: 7.3/10

Value: 6.0

Growth: 6.2

Quality: 6.4

Yield: 9.4

Momentum: 10.0

Volatility: 5.7

1-Year Total Return ->

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Banca Generali

A-Score: 7.3/10

Value: 5.0

Growth: 6.1

Quality: 8.5

Yield: 8.8

Momentum: 7.0

Volatility: 8.3

1-Year Total Return ->

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BCGE

A-Score: 7.0/10

Value: 8.6

Growth: 4.7

Quality: 6.8

Yield: 5.6

Momentum: 6.5

Volatility: 10.0

1-Year Total Return ->

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BNP Paribas Bank Polska

A-Score: 6.9/10

Value: 8.4

Growth: 8.0

Quality: 7.4

Yield: 5.6

Momentum: 6.0

Volatility: 6.0

1-Year Total Return ->

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Berner Kantonalbank

A-Score: 6.7/10

Value: 5.7

Growth: 5.3

Quality: 5.1

Yield: 6.9

Momentum: 7.5

Volatility: 10.0

1-Year Total Return ->

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LLB

A-Score: 6.6/10

Value: 7.2

Growth: 4.0

Quality: 5.4

Yield: 6.9

Momentum: 6.5

Volatility: 9.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

24.5$

Current Price

24.5$

Potential

-0.00%

Expected Cash-Flows