Financial strength

• We maintain a healthy total capital ratio and CET1 capital ratio, and the resulting substantial capital buffer provides us with ample room to steer and develop our business.

• Our balance sheet is conservatively structured with the funding coming almost entirely from client deposits. Our loan book is managed conservatively and predominantly composed of fully collateralised loans to our private clients (Lombard loans or residential mortgages).

• Bank Julius Baer & Co. Ltd. has an A1 long-term deposit rating (domestic and foreign currency) from Moody’s, denoting a high degree of creditworthiness.

Thanks to our focus on pure wealth management, our business model has comparatively low risk characteristics. It is backed by comprehensive risk management and strict corporate governance principles. As a result, we have not incurred a loss in almost a century and continue to be profitable despite difficult markets.

* In Switzerland, the final Basel III standard (B3F) was implemented as of 2025. Had B3F already been applied as of 2024, the B3F-equivalent total capital ratio would have been 21.1% and the B3F-equivalent CET1 capital ratio would have been 14.2% as of 31.12.2024.