Schaffhauser Kantonalbank

Schaffhauser Kantonalbank (SHKB) is the cantonal bank of the Canton of Schaffhausen, headquartered in Schaffhausen and operating under Swiss public law with oversight by FINMA and the Swiss National Bank. Established in the 19th century, it focuses on retail and private clients, SMEs and regional corporates, with a balance sheet dominated by mortgage lending and customer deposits, complemented by treasury activities and funding via the Swiss Pfandbrief system. The bank offers day-to-day banking in Swiss francs and euros, savings and investment solutions, pillar 3a and vested benefits products, payment services, debit and credit cards through partner issuers, e-banking and a mobile app with two-factor authentication, as well as investment advisory and discretionary wealth management. Its distribution is centered on branches and ATMs within the canton alongside phone, online, and video channels; account opening and product eligibility depend on domicile, tax status, and compliance checks, and cross-border services are limited and subject to policy and regulation. SHKB is wholly owned by the Canton of Schaffhausen; under cantonal law, the canton provides an explicit state guarantee on the bank’s liabilities, and the bank generally pays a guarantee fee and distributions to the canton in line with its financial results. Client deposits are also covered by the Swiss depositor protection scheme (esisuisse) up to CHF 100,000 per client per bank, subject to statutory conditions. Pricing follows published tariffs for accounts, packages, cards, payments, securities custody and trading, and lending; interest rates and fees are adjustable and vary by product and client segment. Risk is concentrated in domestic mortgages and regional SME exposures, with interest-rate, credit, and concentration risks managed under Swiss capital and liquidity rules; capital ratios and liquidity coverage are disclosed in the bank’s annual and regulatory reports. SHKB publishes audited financial statements and sustainability information, applies standard Swiss data protection and banking secrecy obligations, and offers customer support in German with selected information available in other languages.