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1. Company Snapshot

1.a. Company Description

VP Bank AG, together with its subsidiaries, provides asset management and investment consulting services for private and institutional investors in Liechtenstein, rest of Europe, and internationally.The company offers wealth management and planning services; personal, foreign currency, vested benefits, current, and savings accounts; bank cards for card payments and cash withdrawals; e-banking and e-post services; and transaction slips, account statements, and interest statements.It also provides Lombard loan, such as fixed advance/fixed interest loan and overdraft facility; and real estate financing services, which include fixed-rate mortgage, forward fixed-rate mortgage, money market mortgage, and construction loans, as well as services related to external asset managers, and trustees and lawyer; business financing services comprising fixed adavnces, loans, and current account overdrafts.


In addition, the company offers e-banking, investment advisory, custodian bank, and private label fund services.VP Bank AG was founded in 1956 and is headquartered in Vaduz, Liechtenstein.

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1.b. Last Insights on VPBN

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Trump hits more countries with steep tariffs, markets tumble

Aug -01

Source:

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VP Bank's Brill: Trump's Powell Attacks Threaten Dollar

Jul -17

Source:

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.50%)

6. Segments

Liechtenstein & BVI

Expected Growth: 5.5%

Growing demand for wealth management services, increasing HNWI population, and strategic expansion in BVI drive growth in VP Bank AG's international private banking services.

International

Expected Growth: 5.5%

Growing demand for wealth management services, increasing HNWI population, and expansion into emerging markets drive the growth of VP Bank AG's international private banking and wealth management services.

Asset Servicing

Expected Growth: 5.5%

Growing demand for efficient asset management, increasing adoption of outsourcing by investment managers, and VP Bank AG's comprehensive support services drive growth in the asset servicing segment.

Corporate Center

Expected Growth: 5.5%

VP Bank AG's corporate center drives growth through strategic governance, global operations oversight, and effective risk management, fostering a 5.5% CAGR. Key drivers include expanding private banking services, increasing wealth management assets, and strategic partnerships.

7. Detailed Products

Private Banking

Personalized wealth management services for high net worth individuals and families

Investment Management

Active and passive investment strategies for institutional clients and private investors

Fund Solutions

Customized fund solutions for asset managers, family offices, and institutional investors

Custody and Execution

Secure and efficient custody and execution services for institutional clients

Family Office Services

Comprehensive wealth management and administrative services for family offices

Asset Management

Active and passive asset management strategies for institutional clients and private investors

8. VP Bank AG's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for VP Bank AG is moderate, as there are alternative financial institutions and investment products available to customers.

Bargaining Power Of Customers

The bargaining power of customers is low, as VP Bank AG 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 VP Bank AG relies on a network of suppliers for its operations, but has some flexibility in choosing its suppliers.

Threat Of New Entrants

The threat of new entrants is low, as VP Bank AG has a strong market presence and regulatory barriers to entry are high.

Intensity Of Rivalry

The intensity of rivalry is high, as VP Bank AG operates in a highly competitive financial services 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 35.56%
Debt Cost 5.97%
Equity Weight 64.44%
Equity Cost 5.97%
WACC 5.97%
Leverage 55.19%

11. Quality Control: VP Bank AG passed 4 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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Value: 9.6

Growth: 9.9

Quality: 7.9

Yield: 6.2

Momentum: 10.0

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Butterfield

A-Score: 7.5/10

Value: 6.7

Growth: 6.2

Quality: 8.0

Yield: 8.0

Momentum: 7.5

Volatility: 8.7

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VIEL

A-Score: 7.3/10

Value: 6.8

Growth: 7.2

Quality: 6.7

Yield: 6.9

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VP Bank

A-Score: 6.8/10

Value: 8.4

Growth: 1.4

Quality: 5.0

Yield: 8.1

Momentum: 7.5

Volatility: 10.0

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Value: 6.8

Growth: 4.4

Quality: 4.8

Yield: 8.8

Momentum: 8.5

Volatility: 4.3

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Vestjysk Bank

A-Score: 6.2/10

Value: 6.9

Growth: 2.8

Quality: 7.6

Yield: 8.1

Momentum: 8.5

Volatility: 3.3

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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

82.6$

Current Price

82.6$

Potential

-0.00%

Expected Cash-Flows