Operator
Good morning, everybody, and welcome to BCV’s 2025 Full 12 months Outcomes Name. My title is Lydia, and I shall be your operator in the present day. [Operator Instructions]
I am going to now hand you over to Pascal Kiener, CEO, to start. Please go forward.
Pascal Kiener
CEO & Member of Administration Board
Thanks very a lot. Good afternoon, everyone. Let me soar straight on Web page 4, the place I wish to spotlight the important thing messages or the important thing factors of our 2025 outcome. As you may see, we have now an ongoing progress in — throughout all enterprise traces. Our income are steady.
Truly, that is, I feel, minus 0.4%. I feel the principle level is to spotlight the well-diversified enterprise mannequin of BCV. You will note when Thomas presents the monetary outcome that we have now a discount within the rate of interest revenues, kind of compensated by a rise within the fee enterprise. I feel that is the principle level of our — the robust level of our enterprise mannequin.
A strong web revenue of CHF 430 million, which is 2% lower than final yr. I keep in mind that 2024, ’23, had been an excellent yr. 2024 was the second finest end in BCV story. So mainly minus 2% given the atmosphere of rate of interest, and I feel it is a robust outcome. And at last, we’ll suggest a dividend of CHF 4.40, unchanged from final yr.
Perhaps I’d direct result in Web page

