Julius Baer has not incurred a loss in almost a century, and continues to be profitable, even in difficult markets. Our financial strength provides stability for our clients, our employees, and our shareholders.

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

Our healthy BIS total capital ratio and BIS CET1 capital ratio give us a substantial capital buffer that provides us with plenty of room to steer and develop our business.

And, thanks to our focus on pure wealth management, our business model is comparatively low risk. It is backed by comprehensive risk management and strict corporate governance principles.

Bank Julius Baer & Co. Ltd. has a A1 long-term deposit rating (domestic and foreign currency) from Moody’s.

Moody’s long-term deposit rating Bank Julius Baer & Co. Ltd. A1

*This compares to the Group’s own floors for the BIS total capital ratio and BIS CET1 ratio of 15% and 11%, respectively, and the minimum regulatory requirements of 12.1% and 7.9%, respectively.