Zürcher Kantonalbank

Zürcher Kantonalbank is the cantonal bank of the Canton of Zurich, established in 1870 and organized as a public-law institution wholly owned by the canton. It operates as a universal bank with a focus on the Zurich economic area, offering retail and private banking, corporate banking, trading and capital markets services, and asset management (including the Swisscanto fund range and exchange-traded precious metals products listed on SIX). The bank provides current and savings accounts, debit and credit cards, domestic and cross-border payments, online and mobile banking (including QR-bill and eBill support and TWINT), mortgages and real estate financing (fixed-rate and SARON-linked), investment advisory and discretionary mandates, custody and brokerage, pension solutions (pillar 3a accounts and funds), SME lending, cash management, guarantees and trade finance. Zürcher Kantonalbank is supervised by FINMA and the Swiss National Bank and is designated as a systemically important bank, which subjects it to enhanced capital, liquidity, and resolvability requirements. Client deposits are protected by the Swiss depositor protection scheme up to the statutory limit per client and bank; in addition, the bank benefits from an explicit, unlimited state guarantee from the Canton of Zurich under cantonal law. Funding is diversified across client deposits and capital markets instruments. Risk drivers include a sizable mortgage book and exposure to the regional real estate market, as is typical for cantonal banks. Pricing follows published tariffs and depends on product type and usage; securities custody, brokerage, and international payments incur separate fees, and mortgage margins reflect borrower profile and collateral. Account opening and investment services are subject to Swiss AML/KYC rules and tax compliance, with availability for non-residents depending on client segment and applicable regulations; services are offered domestically with select international locations supporting wealth and institutional business.