Thurgauer Kantonalbank

Thurgauer Kantonalbank is a Swiss cantonal bank serving the canton of Thurgau under cantonal law and federal oversight by FINMA and the Swiss National Bank. Its business model centers on retail and SME banking, with emphasis on payments, savings, mortgages, investment and pension solutions, and basic corporate services such as accounts, cards, and cash management. The bank operates a local branch and ATM network in Thurgau and offers e-banking and a mobile app, along with standard Swiss digital payment options such as TWINT and eBill. Lending is largely anchored in residential and commercial real estate financing, creating exposure to interest rate, refinancing, and property market risks typical for regional mortgage lenders; funding is primarily customer deposits, complemented by capital market instruments and interbank lines. Financial reporting follows Swiss GAAP FER, with audited annual and interim results and regulatory disclosures (including capital and liquidity metrics) published in line with Swiss requirements. Deposits are covered by the Swiss esisuisse scheme up to CHF 100,000 per client, and mortgage underwriting adheres to prevailing affordability, amortization, and loan-to-value standards. Investment services include custody, brokerage, advisory and discretionary mandates, and access to funds and third-pillar (3a) retirement products, with pricing generally structured via account packages, custody fee tiers, and rate grids for fixed-rate and SARON-linked mortgages. Governance follows the cantonal bank model with a supervisory bank council and an executive management team; the Canton of Thurgau is the majority owner. International and cross-border services are limited and subject to regulatory constraints, onboarding depends on client domicile and tax status, and customer communication is primarily in German with selected materials available in other languages.