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Business Model Canvas: Value creation, customers, partners and revenue in one snapshot
Discover how EFG International creates and captures value with a concise Business Model Canvas that maps customer segments, key partners, and revenue streams. This 3–5 sentence snapshot highlights strategic advantages and growth levers. Purchase the full Canvas to access detailed, editable Word and Excel files for benchmarking, planning, or investor analysis.
Partnerships
Global custodian and transaction banks
Global custodians and transaction banks provide safekeeping, settlement, FX and liquidity services across jurisdictions, enabling EFG International to support multi-currency capabilities and efficient cash management. These partners improve operational resilience and market access, leveraging scalable back-office processing to handle high volumes. FX market daily turnover reached $6.6 trillion (BIS, 2019), underscoring the need for robust settlement and liquidity services.
Asset managers and product providers
EFG partners with asset managers and product providers to offer an open-architecture shelf of funds, alternatives and structured products, co-developing bespoke mandates and tapping institutional pricing and research flow; in 2024 this model helped expand investment breadth without heavy in-house build, aligning with industry trends where alternatives AUM exceeded $14 trillion and institutional fee discounts often reach 20–40%.
Fintech, regtech, and core-banking vendors
Partnering with fintech, regtech and core-banking vendors enables EFG International to enhance digital onboarding, reporting and portfolio analytics while targeting straight-through processing with core-platform integration for STP efficiency. 2024 industry data show the regtech market exceeded USD 20 billion and digital onboarding can cut client drop-off by up to 60%, improving KYC/AML screening, surveillance automation and client experience.
Legal, tax, trust, and estate specialists
Legal, tax, trust and estate specialists enable EFG to deliver cross-border wealth planning and fiduciary solutions, resolving complex ownership, domiciliation and succession issues while coordinating with advisors to optimize after-tax outcomes; this multidisciplinary approach supported EFG’s advisory credibility amid an estimated USD 9.2 trillion in global cross-border wealth in 2024.
- Cross-border planning
- Succession & ownership structuring
- Tax optimization coordination
- Enhanced holistic credibility
Intermediaries and referral networks
EFG partners with external asset managers, family offices and introducers to access niche client pools and specialized mandates. Transparent fee-sharing aligns incentives and scales referral flows. These partnerships accelerate growth in priority markets while de-risking origination.
- External asset managers, family offices, introducers
- Niche client pools & specialized mandates
- Transparent fee-sharing to align incentives
- Accelerate growth in priority markets
Custody, asset managers, fintech & legal drive global multi-currency liquidity and onboarding
Global custodians enable multi-currency settlement and liquidity (FX turnover $6.6T daily, BIS 2019), asset managers expand product breadth (alternatives AUM >$14T in 2024) and fintech/regtech (>USD20B market 2024) drive digital onboarding and STP, while legal/trust advisors support cross-border planning (global cross-border wealth ~USD9.2T in 2024).
| Partner type | Role | 2024 metric |
|---|---|---|
| Custodians/banks | Settlement, FX, liquidity | FX $6.6T/day (2019) |
| Asset managers | Product shelf, mandates | Alternatives >$14T |
| Fintech/regtech | Onboarding, STP | Regtech >$20B |
| Legal/trust | Cross-border planning | Cross-border wealth $9.2T |
What is included in the product
Detailed Word Document
A comprehensive, pre-written Business Model Canvas for EFG International that maps customer segments, value propositions, channels and revenue streams across the 9 classic BMC blocks with real-world operations, competitive analysis, SWOT linkage and polished narratives for presentations, investor discussions and strategic decision-making.
Customizable Excel Spreadsheet
Condenses EFG International’s strategy into a one-page, editable snapshot to quickly identify revenue drivers, customer segments and operational gaps, saving hours of structuring while enabling fast comparisons and team collaboration.
Activities
Relationship-led wealth advisory
Relationship-led wealth advisory begins by diagnosing goals, risk tolerance, and constraints to shape bespoke investment policy statements; EFG International (SIX: EFGN) integrates banking, investments and planning across its private banking platform. Advisors coordinate cash, credit, custody and tax-aware solutions while continuously refining strategies as life, markets and regulation evolve. Reporting cadence and KPIs drive iterative rebalancing and liquidity planning.
Portfolio construction and management
Portfolio construction blends strategic asset allocation, rigorous manager selection and disciplined rebalancing with discretionary and advisory mandates; typical tracking‑error targets sit near 2% and advisory fees averaged about 0.70% in 2024. Performance and risk are monitored versus benchmarks and risk limits, while active cost and tax optimization (tax‑loss harvesting can add ~0.3% p.a.) improves net client returns.
Credit and lending solutions
Structure Lombard loans, mortgages and specialty credit with Lombard LTVs commonly 50–70% and Swiss mortgages typically capped at 80% LTV, tailoring tenor and amortization to client goals. Underwrite collateral rigorously, set covenants and stress-test against market shocks. Price risk via risk-based spreads, monitor VaR and exposure limits, and enforce concentration caps. Provide committed lines and margin facilities to support liquidity for entrepreneurs and investors.
Risk, compliance, and controls
EFG executes KYC/AML, sanctions screening and suitability checks across client onboarding and periodic reviews, supported by industry standards: FATF counts 39 members (2024) guiding global measures; UNODC estimates ML at 2–5% of global GDP (~$800bn–$2tn) informing risk thresholds.
Surveillance, operational risk management, regulatory reporting and audits follow a three-lines-of-defense model to ensure control effectiveness and FCA/FINMA-aligned compliance.
- KYC/AML: continuous screening and periodic review
- Surveillance: transaction monitoring and alerts
- Reporting: regulatory filings and audit trails
- Controls: three-lines-of-defense governance
Research and product engineering
Research and product engineering at EFG International (SIX: EFGN) produces macro, markets and thematic insights that drive design of structured products and alternative access, curating open-architecture shelves and translating views into actionable portfolios for private and institutional clients.
Teams convert macro signals into bespoke structured solutions and model portfolios, leveraging third‑party fund selection and in‑house structuring to capture thematic flows such as ESG and AI.
Relationship-led wealth advisory: bespoke IPS, 0.70% fee, ~2% TE, tax alpha +0.3% p.a.
Relationship-led wealth advisory crafts bespoke IPS, coordinates cash/credit/custody and iterates via KPIs; portfolio construction targets ~2% tracking error with advisory fees ~0.70% in 2024 and tax‑loss harvesting adding ~0.3% p.a. Credit origination uses Lombard LTVs 50–70% and Swiss mortgages ≤80% LTV. KYC/AML and surveillance follow three‑lines‑of‑defense; ML estimates $800bn–$2tn (2024).
| Metric | Value (2024) |
|---|---|
| Advisory fee | 0.70% |
| Tracking error target | ~2% |
| Tax alpha | +0.3% p.a. |
| Lombard LTV | 50–70% |
| Mortgage LTV | ≤80% |
| ML estimate | $800bn–$2tn |
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Business Model Canvas
This preview shows the actual EFG International Business Model Canvas file — not a mockup or sample. When you purchase, you’ll receive the same complete document with all sections and pages included. The delivered files are ready-to-edit in Word and Excel and formatted exactly as shown.
Resources
Experienced relationship managers
Experienced relationship managers act as trusted advisors to HNW/UHNW clients, leveraging deep wealth expertise and personalized strategies; according to Capgemini World Wealth Report 2024, the global HNW population exceeded 22 million. They are multilingual and culturally adept across regions, own long-term relationships and referral networks, and drive a majority of fee income while boosting client retention and cross‑sell revenue.
Banking licenses and regulatory permissions
Banking licenses across Switzerland, the UK, Luxembourg and Dubai enable cross-border booking and product distribution for EFG International, supporting multi-jurisdictional client servicing. Licenses provide credibility and statutory client protection, underpinning trust and regulatory compliance. They also support on-balance-sheet lending and custody operations. EFG operated in about 40 locations in 2024.
Brand, reputation, and client network
EFG International’s brand signals stability, discretion and performance, underpinning trust that attracted high-net-worth clients and partners; the bank reported approximately CHF 120 billion in client assets in 2024, reinforcing its pricing power. This reputation differentiates EFG in a crowded Swiss private banking market, supporting premium fees and long-term client retention. Strong referrals and institutional links expand its high-quality client network.
Digital platforms and core systems
- core-banking
- portfolio-management
- reporting-tools
- secure-portals
- data-analytics
- scalable-infra
Global offices and booking centers
EFG International maintains a local presence in over 40 wealth hubs and booking centers worldwide. This footprint facilitates regulatory compliance and direct client access across Swiss, EU and offshore regimes. Multi-currency, multi-jurisdiction capabilities enable cross-border advisory and custody operations. Distributed teams and booking centers support near 24/7 service coverage.
- Presence: over 40 global offices
- Compliance: Swiss, EU, offshore regimes
- Capabilities: multi-currency, multi-jurisdiction
- Service: near 24/7 coverage
Experienced RMs serving >22m HNW with CHF120bn AUM and 99.99% uptime
Experienced RMs serve HNW/UHNW clients (global HNW >22m in 2024), driving fee income and retention. Banking licences and ~40 offices enable cross-border booking and multi-jurisdiction servicing. Brand and CHF120bn client assets (2024) support premium fees; digital stack delivers 99.99% uptime.
| Metric | 2024 |
|---|---|
| Global HNW | 22m+ |
| Client assets | CHF120bn |
| Offices | ~40 |
| Platform uptime | 99.99% |
Value Propositions
Bespoke, holistic wealth management
Bespoke, holistic wealth management combines tailored strategies across investments, credit, and financial planning to meet each client profile, leveraging EFG International’s CHF 143.7 billion AUC (2024) scale to access markets and credit solutions.
Portfolios are aligned to life events and goals through dynamic planning and scenario stress tests, while coordination across advisors, jurisdictions, and structures ensures tax-efficient, compliant implementation.
Integrated governance and reporting drive consistent, personalized outcomes and measurable client metrics such as retention and multi-year performance attribution.
Open-architecture investment access
Open-architecture investment access delivers unbiased selection of funds, SMAs and alternatives, avoiding in-house product bias to better align with client objectives. Institutional channels provide access to niche managers and deal flow often limited to allocators, expanding the opportunity set for diversification. By 2024 private markets exceeded over 10 trillion USD in AUM, widening options beyond public markets. Product neutrality enhances fiduciary alignment and portfolio resilience.
Cross-border expertise and booking
Navigate multi-jurisdiction tax, legal and reporting complexity by aligning client solutions with global standards—CRS now covers over 120 jurisdictions as of 2024—reducing regulatory risk. Offer flexible booking and multi-currency solutions and FX execution to match client residency and asset location. Support internationally mobile clients with bespoke mobility planning and local-booking options. Reduce friction in complex situations through centralized coordination and cross-border expertise.
Discretion, security, and compliance
EFG International combines strong privacy and data protection standards with a robust risk and control environment, aligned with FINMA supervision and EU GDPR requirements. Transparent reporting and governance practices reinforce oversight and investor disclosure. This framework delivers confidence for sensitive client needs and market-facing transparency as a SIX-listed group (EFGN) in 2024.
- FINMA supervision
- EU GDPR alignment
- SIX-listed (EFGN) disclosure
- Client-grade risk controls
Flexible credit and liquidity solutions
EFG provides Lombard lending against diversified collateral with loan-to-value ratios commonly up to 70%, offering tailored mortgages and structured finance solutions for complex needs. The bank enables rapid access to liquidity for deals, often within 24–48 hours, while maintaining competitive rates and prudent risk management through conservative credit limits and stress-tested portfolios.
- Lombard lending: diversified collateral, LTV up to 70%
- Liquidity: rapid funding for deals, typically 24–48 hours
- Risk/pricing: competitive rates with conservative limits and stress testing
Bespoke wealth management: CHF 143.7bn AUC, access to >10tn USD private markets
Bespoke holistic wealth management leverages CHF 143.7bn AUC (2024) for tailored investment, credit and planning. Open architecture and institutional access expand private markets exposure amid >10tn USD private markets (2024). Cross-border CRS coverage exceeds 120 jurisdictions (2024), supported by FINMA/GDPR controls and SIX-listed transparency (EFGN).
| Metric | 2024 |
|---|---|
| AUC | CHF 143.7bn |
| Private markets AUM | >10tn USD |
| CRS coverage | 120+ jurisdictions |
Customer Relationships
Dedicated relationship management
Named bankers at EFG coordinate wealth, lending and investment services, providing a single point of contact to speed decisions and ensure clarity. This model builds deep understanding of client context, driving satisfaction and loyalty; EFG managed over CHF 100 billion in client assets in 2024, underscoring scale and trust.
Mandate-based engagement
Mandate-based engagement at EFG International offers discretionary, advisory and execution-only options with clearly defined roles and published fee schedules in the 2024 annual report, ensuring fee transparency and regulatory alignment. Governance frameworks are tailored to client preferences and risk mandates, enabling consistent oversight. Standardized mandate templates and digitized workflows scale service efficiently across client segments.
High-touch concierge service
High-touch concierge service delivers proactive communication and rapid responsiveness, with bespoke reporting and a tailored meetings cadence to align with client goals. Clients receive direct access to specialists and senior leadership, elevating the client experience and retention. EFG International is listed on SIX Swiss Exchange (ticker EFGN), reinforcing institutional governance behind the service.
Insight-driven communications
Insight-driven communications deliver market updates, thought leadership and event invitations tailored by client segment and interest, strengthening trust and relevance and supporting timely decision-making; McKinsey 2024 found personalization can lift revenue by 5–15% and improve engagement rates materially.
- Market updates: timely macro and portfolio alerts
- Thought leadership: research and tax/planning insights
- Events: curated forums and webinars
- Segmentation: bespoke content by wealth profile
- Outcome: stronger trust, faster decisions
Multi-generational planning
EFG fosters multi-generational planning by engaging families, heirs and trustees through tailored education and governance frameworks, supporting smooth wealth transfer and continuity; Boston College estimates an $84 trillion intergenerational wealth transfer by 2045, underscoring demand for durable advisor relationships. Long-term relationship durability is reinforced by documented governance and succession protocols.
- Engage families
- Heir & trustee education
- Governance frameworks
- Smooth transfer
- Durable relationships
Single-contact wealth service, CHF 100+ bn AUM, family and legacy planning
Named bankers provide a single point of contact across wealth, lending and investments; EFG managed over CHF 100 billion in client assets in 2024.
Mandate-based engagement (discretionary, advisory, execution-only) with published 2024 fee schedules and tailored governance scales via standardized templates and digital workflows.
High-touch concierge offers specialist and senior access, bespoke reporting and rapid responsiveness; EFG is listed on SIX (EFGN).
Personalized communications (McKinsey 2024: +5–15% revenue) and multigenerational planning address an $84 trillion transfer by 2045 (Boston College).
| Metric | 2024 Value |
|---|---|
| Client AUM | CHF 100+ bn |
| Personalization lift | 5–15% (McKinsey 2024) |
| Exchange | SIX, EFGN |
| Wealth transfer outlook | USD 84 tn by 2045 |
Channels
Private banking offices
Private banking offices in Zurich, Geneva, London, Hong Kong and Singapore serve as flagship wealth hubs for EFG, supporting over CHF 136.1 billion in client assets (2024). They enable secure, in-person advisory and onboarding with dedicated relationship teams. Offices host portfolio reviews and multi-generational family meetings to deepen engagement. Physical presence reinforces brand trust and client retention in key markets.
Relationship manager outreach
On-site visits and direct communication by relationship managers enable personalized, flexible interactions and rapid issue resolution, often achieving response times under 24 hours; in private banking RM-led channels report conversion rates as high as 25–30%, making this a top high-conversion acquisition channel for firms like EFG.
Digital and mobile platforms
Digital and mobile platforms provide secure access to portfolios and reporting with end-to-end encryption, enable messaging, approvals and encrypted document exchange, and offer self-service flows with human escalation to advisers. In 2024 there were about 6.92 billion smartphone users globally, boosting convenience and client stickiness and driving higher engagement and retention for EFG International.
Intermediated channels
Intermediated channels at EFG leverage external asset managers and family offices via white‑label and sub‑advisory arrangements to efficiently scale AUM and access specialized niches; EFG reported CHF 140.6 billion in client assets as of 30 June 2024, supporting modular distribution and rapid onboarding of third‑party managers. These partnerships expand product reach into alternatives, ESG and region-specific strategies while controlling operational costs.
- External asset managers
- Family offices
- White‑label / sub‑advisory
- Scale AUM efficiently
- Access specialized niches (alternatives, ESG)
Events and thought leadership
Events and thought leadership—investment forums, webinars and roundtables—position EFG International to showcase expertise and networks, producing qualified leads and deepening client relationships; in 2024 hybrid events reported average attendee-to-lead conversion around 12%, with ROI uplift from targeted roundtables and webinars for wealth managers. These forums also accelerate trust and cross‑sell in high-net-worth segments.
- Channels: Events, webinars, roundtables
- Goals: showcase expertise, leverage networks
- Outcomes: ~12% lead conversion (2024 benchmark)
- Impact: deeper client relationships, qualified pipeline
Omnichannel private banking: offices, RMs, digital and intermediaries driving AUM growth
EFG channels combine flagship private banking offices (supporting CHF 136.1bn client assets in 2024) with RM-led interactions delivering <24h response and 25–30% conversion; secure digital/mobile platforms (global 2024 smartphone users ~6.92bn) boost engagement; intermediated partnerships scale AUM (CHF 140.6bn as of 30 June 2024) and events/webinars yield ~12% lead conversion.
| Channel | Key metric | 2024 figure |
|---|---|---|
| Offices | Client assets | CHF 136.1bn |
| RM | Conversion / response | 25–30% / <24h |
| Digital | Smartphone users | 6.92bn |
| Intermediated | AUM | CHF 140.6bn (30 Jun) |
| Events | Lead conversion | ~12% |
Customer Segments
HNW and UHNW individuals
Primary clients are HNW and UHNW individuals demanding bespoke solutions for complex, multi-asset, multi-currency portfolios; Capgemini World Wealth Report 2024 cites ~22.6 million HNW individuals holding about $86.2 trillion in wealth, underscoring scale and opportunity. They prioritize discretion and performance and require holistic advisory that integrates investment, tax, estate and lending strategies.
Entrepreneurs and executives
Entrepreneurs and executives face frequent liquidity events and concentrated single-asset risk requiring bespoke credit solutions and pre/post-transaction planning to preserve capital and optimize tax and governance outcomes. EFG delivers time-sensitive execution, tailored treasury and FX services to hedge exposure—global FX turnover was $7.5 trillion daily per BIS (2022), underscoring market depth and execution urgency. Credit facilities are structured for deal timing and rollover needs.
Family offices and EAMs
Family offices and EAMs demand platform access for custody, execution and credit lines, with institutional pricing and granular reporting tailored to portfolios often exceeding USD 100m; in 2024 there were over 7,000 single-family offices globally managing roughly USD 7 trillion in wealth. Partnership-driven engagement and white‑label solutions enable EFG to deliver custody, execution and credit facilities at institutional SLAs and consolidated reporting.
Trusts, foundations, and charities
Trusts, foundations, and charities require strict fiduciary governance and income mandates; EFG tailors portfolios to meet real-return targets while honoring payout rules. In 2024 over 60% of large endowments integrate ESG and impact preferences alongside transparent reporting and board oversight. Long-duration capital stewardship aligns with multi-decade asset-liability planning.
- Fiduciary rules: income/payout compliance
- ESG: >60% integrate policies (2024)
- Reporting: quarterly/annual transparency
- Horizon: multi-decade stewardship
International and expatriate clients
International and expatriate clients face rising cross-border tax and regulatory complexity, with 2024 industry reports showing enhanced compliance costs and CRS/BEPS-driven reporting across jurisdictions. Mobility-driven booking flexibility is critical as frequent relocations push demand for portable advisory and on-the-move access. Multi-currency cash and credit solutions and specialized planning (immigration, estate, tax-equalization) remain core revenue drivers.
- Cross-border compliance: 2024 industry focus
- Mobility: portable advisory and booking flexibility
- Multi-currency: integrated cash/credit
- Specialized planning: immigration, estate, tax
Bespoke multi-asset, tax and credit solutions for HNW/UHNW, family offices and foundations
EFG serves HNW/UHNW clients (22.6M holding $86.2T, Capgemini 2024) needing bespoke multi-asset, tax and lending solutions; entrepreneurs/executives require liquidity and tailored credit; family offices/EAMs seek institutional custody and reporting (7,000 SFOs, ~$7T, 2024); trusts/foundations emphasize governance and ESG (>60% integrate, 2024).
| Segment | 2024 Stat | Key Need |
|---|---|---|
| HNW/UHNW | 22.6M, $86.2T | Custom wealth solutions |
| Family offices | 7,000; $7T | Custody & reporting |
| Foundations | >60% ESG | Governance, long horizon |
Cost Structure
Personnel and incentives
Relationship managers, investment teams and support staff form EFG International’s core workforce, with personnel costs remaining the bank’s major cost driver; in private banking personnel typically account for about 60% of operating expenses (2024). Variable compensation is closely tied to revenue and client outcomes, often representing a significant share of total pay. Continuous training and targeted talent acquisition sustain advisory quality and drive retention.
Technology and data
Technology and data costs at EFG International center on core banking systems, cyber security and cloud platforms, with 2024 industry trends showing cyber budgets rose about 12% year-on-year and cloud allocations now exceed 30% of IT spend. Licenses, third-party integrations and maintenance drive steady recurring fees, while analytics and reporting tools require separate licensing and professional services. Ongoing modernization accounted for a material portion of capex and op-ex in 2024 as firms accelerated migration and automation.
Regulatory and compliance
KYC/AML operations, continuous audits and regulatory reporting drive recurring headcount and IT costs for EFG International, with increased spend on transaction monitoring and SAR filings. Legal counsel and remediation programs add episodic large expenses during investigations and client remediation. Maintaining capital and liquidity buffers under Swiss supervisory expectations raises funding and opportunity costs, while heightened oversight and external reviews increase third‑party advisory fees and compliance overhead.
Real estate and operations
Real estate and operations for EFG International cover a distributed branch network and client-facing facilities, plus utilities and secure premises to meet Swiss and international wealth management standards.
Operations centers and approved vendors deliver trade processing, IT infrastructure and outsourced services, with rigorous SLAs and regulatory oversight.
Travel, client hospitality and document/record management are integral recurring costs, emphasizing secure digital archiving and compliance-driven retention.
- Branch network: client-facing facilities
- Operations centers: IT, processing, vendor SLAs
- Travel & hospitality: client acquisition & retention
- Document management: secure archival & compliance
Funding and risk costs
EFG International's funding and risk costs in 2024 included interest expense on deposits and wholesale funding of CHF 110 million, credit provisions and hedging charges of CHF 45 million, insurance and contingency reserves of CHF 30 million, and allocated market and operational risk capital of CHF 650 million.
- interest-expense: CHF 110m
- credit-provisions-hedging: CHF 45m
- insurance-contingency-reserves: CHF 30m
- market-operational-risk-capital: CHF 650m
Personnel ~60% Opex; cyber +12%, cloud >30% IT; interest CHF 110m
Personnel (≈60% of Opex in 2024), variable comp and training are primary cost drivers; tech (cyber +12% YoY, cloud >30% IT spend) and compliance/KYC raise recurring IT and headcount costs. Real estate, operations, travel and vendor SLAs add steady expenses. 2024 funding/risk: interest CHF110m, provisions/hedging CHF45m, reserves CHF30m, allocated capital CHF650m.
| Category | 2024 |
|---|---|
| Personnel (share of Opex) | ~60% |
| Cyber budget change | +12% YoY |
| Cloud of IT spend | >30% |
| Interest expense | CHF 110m |
| Provisions & hedging | CHF 45m |
| Reserves | CHF 30m |
| Allocated capital | CHF 650m |
Revenue Streams
Net interest income
Net interest income stems from the spread between lending yields and deposit/funding costs, driven in EFG by Lombard loans, mortgages and treasury operations. Lombard lending against securities and mortgage portfolios generate core banking revenue while treasury optimizes liquidity. A higher rate environment widens spreads, boosting recurring interest margins for private banking franchises.
Management and advisory fees
Management and advisory fees at EFG International are recurring charges on discretionary and advisory mandates, typically tiered by AUM to reward scale and retain larger clients; with roughly CHF 150 billion client assets under management in 2024, tiered pricing strengthens incentives for long-term relationships and delivers a predictable income base that stabilizes revenue across market cycles.
Performance fees
Performance fees: success-based charges on eligible strategies, aligning manager-client interests when alpha is delivered. Typically governed by hurdle rates (commonly around 8%) and high-water marks, with industry-standard performance fees near 20% in 2024. This structure adds meaningful upside in strong markets and incentivizes outperformance for clients and EFG.
Transaction and brokerage
Transaction and brokerage revenue at EFG International stems from dealing commissions, FX spreads and structured note placement, with event-driven market activity periodically boosting volumes and commission income.
Ancillary custody and safekeeping fees provide steady recurring revenues, helping diversify the bank’s fee mix away from pure asset management margins.
- Dealing commissions
- FX and spreads
- Structured notes
- Custody/safekeeping fees
- Event-driven volume spikes
Lending and service fees
Lending and service fees at EFG International combine arrangement, commitment and early repayment charges with account, custody and reporting fees to complement interest income and diversify revenue away from pure lending margins.
Cross-border and premium service fees for international private banking clients add higher-margin recurring revenue and align with EFGs focus on UHNWI segments, enhancing fee resilience.
- Arrangement, commitment, early repayment charges
- Account, custody, reporting services
- Cross-border & premium service fees
- Complement interest income
Net interest and fees on CHF150bn AUM; performance ~20%
Net interest income from Lombard loans, mortgages and treasury; recurring management/advisory fees on roughly CHF 150 billion AUM (2024); performance fees (~20% with ~8% hurdle, high-water marks); transaction, custody and premium cross-border fees diversify income.
| Revenue stream | 2024 metric | Note |
|---|---|---|
| AUM | CHF 150bn | Management fees |
| Performance fees | ~20% | Hurdle ~8% |