EFG Investor Day: Strategic Cycle 2026-2028
Consistency and the power of compounding
Zurich, Switzerland 25 November 2025
This is EFG: An experienced Team
Global Business Committee
Executive Committee
Giorgio Pradelli | Dimitris Politis | Ioanna Archimandriti | Vassiliki Dimitrakopoulou | Enrico Piotto | Andre Portelli | Demis Stucki |
Chief Executive Officer 2012 | Chief Financial Officer & Deputy CEO 2018 | Chief People Officer 2016 | Global Head of Legal & Compliance 2016 | Chief Risk Officer 2021 | Head of Investment & Client Solutions 2024 | Chief Operating Officer 2007 |
Regional Business Heads
Christian Berchem | Albert Chiu | Sanjin Mohorovic | Franco Polloni | Patrick Ramsey | Mozamil Afzal | Anthony Cooke-Yarborough | Kurt Haueter | Alain Zimmermann |
United Kingdom 2023 | Asia Pacific 2000 | Latin America 2006 | Switzerland & Italy 2017 | Continental Europe & Middle East 2021 | Group Chief Investment officer 1994 | Private Banking Chairman 2009 | Head of Global Markets & Treasury 2009 | Global Chief Marketing & Branding Officer 2024 |
Note: Figure shows hiring year
Global presence
Headquartered in Zurich
More than 40 locations
worldwide
Qualified workforce2
Over 3,000 employees
Over 750 Client
Relationship Officers (CROs)
This is EFG: Well-diversified, global and entrepreneurial business model
CHF 183.7 billion in AuM1
managed across five regions
Latin America
13%
Switzerland & Italy
Net profit
in CHF million
303
322
~320
~275*
45
UK
Continental Europe
& Middle East
14%
2025
18%
25%
31%
Asia Pacific
2023 2024
10M 2025
Strong capital position
15.6%
CET 1 ratio as of 31 October 2025
Return on Tangible Equity (ROTE)
in %
~18.7*
2.8
18.2 18.6
21.5
2025
2023 2024 10M 2025
1 AuM = Assets under Management; As of 31 October 2025. Graph excludes AuM from EFGAM, includes acquisitions closed in 2025
2 As of 31 October 2025
* Excluding net contribution from previously announced insurance recovery
Agenda
Presentation
Introduction
Our strategic framework
Time
10'
20'
20'
Agenda item
Welcome
2028 ambition, outlook and strategic framework
Clients and CROs
Client-centric CRO model Commercial excellence
Speaker Format
Giorgio Pradelli, CEO Giorgio Pradelli, CEO
Giorgio Pradelli, CEO
20' Content and delivery
Client advice and solutions Branding and client experience
Andre Portelli, Head of Investment and Client Solutions Alain Zimmermann, Chief Marketing and Branding Officer
20'
10'
Core foundations
Giorgio Pradelli, CEO
Financials 40'
Simplicity and technology
Efficiency and operating leverage Tech-enabled services and processes
Financial performance and outlook
Demis Stucki, COO
Dimitris Politis, CFO and Deputy CEO
Q&A and closing
10'
30'
Closing Q&A
Giorgio Pradelli, CEO All GBC members
Agenda
Presentation
Introduction
Our strategic framework
Time
10'
20'
20'
Agenda item
Welcome
2028 ambition, outlook and strategic framework
Clients and CROs
Client-centric CRO model Commercial excellence
Speaker Format
Giorgio Pradelli, CEO Giorgio Pradelli, CEO
Giorgio Pradelli, CEO
20' Content and delivery
Client advice and solutions Branding and client experience
Andre Portelli, Head of Investment and Client Solutions Alain Zimmermann, Chief Marketing and Branding Officer
20'
Simplicity and technology
Efficiency and operating leverage Tech-enabled services and processes
Demis Stucki, COO
10' Core foundations Giorgio Pradelli, CEO
Financials 40'
Financial performance and outlook
Dimitris Politis, CFO and Deputy CEO
Q&A and closing
10'
30'
Closing Q&A
Giorgio Pradelli, CEO All GBC members
Giorgio Pradelli
Chief Executive Officer
,
We have a strong track record of delivering sustainable and profitable growth
2016-2018
Acquisition and integration
BSI integration and consolidation of business
2019-2022
Sustainable and profitable growth
Cost discipline, consistent delivery and implementation of strong foundations for growth
2023-2025
Sustaining profitable growth, achieving scale
Strong focus on drivers of growth enabling consistent delivery of operating leverage
19%
15-
18%
RoTE1 10%
~30%
p.a.
~20%
p.a.
15%
p.a.
IFRS
net profit
2017 2018
2019 2020 2021 2022
2023 2024 2025
1 Average of RoTE over the corresponding strategic cycle
Note: 10M 2025 figures include a CHF 45mn net contribution from previously announced insurance recovery
Consistent delivery unlocks the full power of compounding
2026 - 2028Consistent performance and the power of compounding
Drive continued growth by focusing on excellence and generating operating leverage
~15%
p.a.
RoTE1 20%
Vision 2030
What we aspire to be
"The private bank of choice for generations of clients,
delivering truly personalised service and impartial advice."
IFRS
net profit
2026 2027 2028
2029
2030
1 Average of RoTE over the corresponding strategic cycle
Commitment to sustainable value creation leading to ambitious yet realistic targets
Financial targets | 2025 targets1 | 10M 2025 actuals | 2028 targets | ||||
NNA growth2 | avg. 4-6% p.a. | 6.8% | avg. 4-6% p.a. | ||||
Revenue margin | 85 bps | 99 bps | >85 bps | ||||
Cost/income ratio | 69% | 69.0% | 68% | ||||
RoTE | 15-18% | 21.5% | 20% |
Capital management
CET1
12%
Management Floor
15.6%
12%
Management Floor
Dividend payout
50%
60%3
2024 payout
60%
1 Announced 12 October 2022
2 Compound Annual Growth Rate (CAGR) over the periods (2022-2025, 2026-2028). Actual NNA growth for 10M 2025.
3 Figure shows dividend paid in 2025 (CHF 0.60 per share) over 2024 EPS (CHF 1.00 per share)
Note: 10M 25 figures include a CHF 45mn net contribution from previously announced insurance recovery
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