Valiant Bank AG

Valiant Bank AG is a Swiss regional bank headquartered in Bern and the operating subsidiary of Valiant Holding AG, which is listed on SIX Swiss Exchange under the ticker VALN. The bank focuses on retail and small and medium-sized enterprise clients in German-speaking Switzerland and parts of western Switzerland, combining a local branch network with e-banking and mobile channels. Its offering includes payment and savings accounts, debit and credit cards, domestic and SEPA payments, Swiss QR-bill and eBill, mortgages (fixed-rate and SARON-linked), investment advisory and discretionary mandates, pension solutions (pillar 3a/3b), and corporate services such as business accounts, cash management, lending, and real estate financing. Revenue is primarily driven by net interest income from a largely Swiss mortgage book; funding consists mainly of customer deposits, supplemented by secured refinancing and capital markets instruments. Valiant Bank AG is supervised by FINMA and, as a Swiss bank, participates in the statutory deposit insurance scheme (esisuisse), which protects eligible deposits up to CHF 100,000 per client per bank; there is no cantonal or state guarantee. It is not designated as a systemically important bank. Account opening and lending comply with Swiss KYC/AML requirements, with retail services largely aimed at clients domiciled in Switzerland and limited cross-border coverage. Pricing, interest rates, capital and liquidity ratios, and cost metrics are disclosed in the group’s semi-annual and annual reports. Recent strategy has combined incremental geographic expansion with digital service development. Prospective customers and investors should review the latest fee schedules, product information, and financial disclosures on the bank’s website.