What Bank CIC does

Bank CIC (Schweiz) AG is a Swiss private and corporate bank headquartered at Marktplatz 13, Basel, operating eight branches that cover all three Swiss language regions — Basel and Zürich (German-speaking), Freiburg, Geneva, Lausanne, Neuchâtel, and Sion (French-speaking), and Lugano (Italian-speaking). Founded in 1871 as Banque d'Alsace et de Lorraine and rebranded to its current form in 2008 following the acquisition of ICM Finance SA, the bank is a wholly owned Aktiengesellschaft under Swiss law and a 100% subsidiary of Crédit Industriel et Commercial (CIC) in Paris, within the Crédit Mutuel Alliance Fédérale group (EUR 70.3 billion equity, S&P A+, Moody's A1, Fitch AA-). The bank employs approximately 480-490 staff and serves medium and large corporates, entrepreneurs, high-net-worth private clients, pension funds, and external asset managers.

The bank's product set spans four pillars: Investing (discretionary and advisory mandates, investment funds including CIC proprietary funds, structured products, Kassenobligationen / medium-term notes, foreign currency transactions, money market products, alternative investments, and pension fund management); Financing (corporate finance including M&A advisory, working capital financing, investment financing, real estate financing, Lombard loans, factoring, trade finance, and general loans); Retirement (pillar 3a savings and vested benefits accounts); and Accounts & Payments (current, private, savings, and investment accounts plus payment transactions and debit cards). Underlying technology is the proprietary CIC eLounge digital banking platform for self-service account management, the CIC Live video advisory channel for document sharing and remote consultations, multibanking aggregation, and a bank-switching service.

Revenue is generated through three primary streams: net interest income from corporate, mortgage, Lombard, and investment financing (margin sensitive to SNB policy rates); commission and fee income from asset management mandates, advisory services, account maintenance, payment transactions, and corporate finance; and trading revenue from foreign currency, securities, and structured products. Distribution is relationship-driven via 8 branches supported by inside-sales phone and video advisory, and complement ed by content marketing (CIC Perspectives quarterly, CIC Weekly Markets weekly) and earned media. In 2024, the parent injected CHF 300 million of fresh capital; in April 2026, David Fusi succeeded Livia Moretti as CEO.

Name

Bank CIC

Legal name

Bank CIC (Schweiz) AG

Website

https://cic.ch

Company type

Private

Founded year

1871

Operating status

Operating

Headcount range

251–500 employees

Short description

Bank CIC (Schweiz) AG is a Swiss private and corporate bank serving SMEs, large corporates, entrepreneurs, HNW individuals, and pension funds across 8 branches in Switzerland's German, French, and Italian regions. Wholly owned by Crédit Industriel et Commercial (Paris) within Crédit Mutuel Alliance Fédérale.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

Commercial Banks, Nec (6029), National Commercial Banks (6021)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Real Estate Private Credit (CRE Debt) (FSANADAG)

Keywords

• Corporate banking services
• Wealth management solutions
• Commercial lending products
• Swiss private banking
• Investment advisory mandates

Headquarters

HQ city

Basel

HQ country

Switzerland

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from lending activities including corporate loans, mortgages, Lombard loans, and investment financing. Interest margin affected by SNB policy rates.
2. Commission and Fee Income: Fees from asset management mandates, advisory services, account maintenance, payment transactions, and corporate finance transactions.
3. Trading Revenue: Income from foreign currency transactions, securities trading, and structured products. Expansion of trading business offset interest margin pressures.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels10 records

Core offering

Bank CIC is a Swiss universal bank that provides comprehensive corporate and private banking services through relationship-based advisory across eight branches in Switzerland. Its core offerings span four pillars: investing (wealth management, investment products, pension fund management), financing (corporate loans, real estate financing, Lombard loans, trade finance, factoring), pension solutions (pillar 3a, vested benefits accounts), and accounts and payments (current, savings, investment, private accounts with debit cards and payment services).

Product overview

Bank CIC (Schweiz) operates as a Swiss private and corporate bank offering a comprehensive suite of financial services organized into four main pillars: Investing (wealth management and investment products), Financing (corporate and personal lending), Pension (pillar 3a and vested benefits accounts), and Accounts & Payments (current, savings, and transaction services). The bank's investment offerings span discretionary and advisory mandates, structured products, investment funds, alternative investments, and pension fund management. Financing solutions include corporate finance, working capital financing, investment financing, real estate financing, Lombard loans, factoring, and trade finance. The digital banking infrastructure consists of CIC eLounge (online banking platform) and CIC Live (video advisory channel). The bank targets mid-sized and large companies, entrepreneurs, and high-net-worth private clients across 8 branches in Switzerland's German, French, and Italian-speaking regions.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Solutions (Anlagelösungen) Professional wealth management services including discretionary mandates where experts manage portfolios, and advisory mandates providing recommendations while clients retain decision authority. For private and corporate clients.
• Investment Products (Anlageprodukte) Investment instruments including investment funds, foreign currency transactions, money market products, structured products, medium-term notes, and alternative investments. For private and corporate clients.
• Discretionary Mandate (Vermögensverwaltungsmandat) Professional portfolio management delegated to CIC experts who make investment decisions based on client-selected strategies, offering five core strategies plus customizable options. For private clients.
• Advisory Mandate (Beratungsmandat) Investment advisory service providing tailored recommendations, market analysis, real-time quotes, and ongoing portfolio monitoring while clients maintain final decision authority. For private clients.
• Pension Fund Management (Pensionskassenverwaltung) Management of pension fund assets with options including autonomous pension funds, collective foundations, or replication of CIC's own pension fund strategy. For pension funds and institutions.
• Foreign Currency Transactions (Devisengeschäfte) Foreign exchange services for international business transactions, with hedging concepts and an online trading platform for self-directed clients. For corporate and private clients.
• Money Market Investments (Geldmarktanlagen) Short-term liquidity solutions including fixed-term deposits, fiduciary investments, and flexible call money options with various currencies and maturities. For corporate and private clients.
• Structured Products (Strukturierte Produkte) Customized investment instruments aligned with market expectations and risk tolerance, including capital protection, yield optimization, and participation products. For private and corporate clients.
• Kassenobligationen (Medium-Term Notes) Fixed-income bonds issued by CIC with terms of 2-10 years, offering stable predefined interest rates with annual payments and capital protection. Interest rates from 0.50% (2-year) to 1.00% (10-year), minimum investment CHF 1,000. For private clients.
• Investment Funds (Anlagefonds) Professionally managed funds providing access to global markets, including CIC's own funds (Strategy CHF, Equity CHF Primus, Bond EUR Primus, Convert Bond, Bond CHF Primus) and ETFs. For private and institutional clients.
• Alternative Investments (Alternative Anlagen) Non-traditional investment opportunities including hedge funds, private equity, venture capital, and niche assets such as art, wine, classic cars, luxury watches, and philanthropy. For private clients.
• Corporate Finance Advisory and financing services for company transactions including M&A advisory, acquisition financing, and private equity solutions. For corporate clients.
• Working Capital Financing (Betriebsmittelfinanzierung) Financing solutions for short-term liquidity needs including current account frameworks, credit lines, and tailored working capital structures. For corporate clients.
• Investment Financing (Investitionsfinanzierung) Structured financing support for acquisitions, business expansions, and capital-intensive projects. For corporate clients.
• Real Estate Financing (Immobilienfinanzierung) Financing for commercial investments and private residential property including mortgages for primary and secondary residences. For corporate and private clients.
• Lombard Loan (Lombardkredit) Credit facility using securities portfolios as collateral, providing liquidity without requiring sale of existing positions. For private and corporate clients.
• Factoring Cash flow optimization service converting receivables into immediate liquidity while reducing debtor risk. For corporate clients.
• Trade Finance (Handelsfinanzierung) International business financing including letters of credit, guarantees, and customized financing structures for imports, exports, and cross-border transactions. For corporate clients.
• Loans (Kredite) Customized financing from traditional loans to structured credit solutions for strategic investments and personal goals. For corporate and private clients.
• 3a Retirement Savings (3a-Vorsorgesparen) Tax-advantaged retirement savings vehicles under Swiss pillar 3a system for building retirement wealth. For private clients.
• Vested Benefits Account (Freizügigkeitskonto) Account for maintaining occupational pension funds during career transitions such as sabbaticals or self-employment. For private clients.
• Current Account (Kontokorrent) Business banking accounts designed for smooth daily transactions and strategic growth. For corporate clients.
• Private Account (Privatkonto) Exclusive accounts designed for demanding private clients combining functionality with exclusivity. For private clients.
• Investment Account (Anlagekonto) Account for long-term reserves, short-term capital, and targeted investment strategies. For private and corporate clients.
• Savings Account (Sparkonto) Accounts focused on steady and reliable wealth growth with secure returns. For private clients.
• Payment Transactions (Zahlungsverkehr) Efficient solutions for national and international payment traffic supporting corporate and private clients.
• Debit Card (Debitkarte) Financial cards tailored to personal and business needs for increased payment flexibility. For private and corporate clients.
• CIC eLounge Digital banking platform providing secure account access, transaction execution, and comprehensive financial insights for managing private and business finances.
• CIC Live Digital advisory channel enabling video consultations with financial experts, document collaboration, screen sharing, and secure spontaneous discussions without physical presence.

Quantifiable outcome

• Net profit exceeded CHF 40 million for third consecutive year (2023, 2024, 2025) - a first in company history
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bank Cler (formerly Bank Coop): Swiss cooperative-affiliated retail and SME bank offering current accounts, mortgages, investment, and pension products. Comparable Swiss domestic franchise with similar target segments and product suite.
• Basler Kantonalbank (BKB): Headquartered in Basel like Bank CIC, BKB is the regional cantonal bank serving the same Basel corporate, SME, and private client market with a comparable mix of corporate banking, mortgages, and wealth management. Strong direct overlap in product mix, geography, and customer segments.
• Migros Bank: Swiss retail and SME bank offering current accounts, mortgages, investment, and pension products to private and business clients. Comparable service breadth and Swiss domestic focus, with similar mid-tier scale.
• Aargauische Kantonalbank (AKB): Swiss cantonal bank providing SME financing, mortgages, wealth management, and corporate banking to clients in the Aargau canton and beyond. Strong overlap in business model and Swiss regional banking positioning.
• Banque Cantonale Vaudoise (BCV): Large Swiss cantonal bank offering the same full suite of corporate banking, retail, wealth management, and mortgage products to SMEs and private clients. Highly comparable business model and service breadth, though serving a different Swiss canton.
• Berner Kantonalbank (BEKB): Swiss cantonal bank providing corporate banking, mortgages, private banking, and investment services to Bernese SMEs, entrepreneurs, and private clients. Closely comparable product mix and Swiss regional banking focus to Bank CIC.
• Valiant Bank: Swiss mid-sized universal bank serving SMEs, entrepreneurs, and retail clients across multiple cantons with corporate lending, mortgages, and wealth services. Similar mid-tier positioning and target customer base to Bank CIC.
• Hypothekarbank Lenzburg: Swiss mid-sized regional bank focused on mortgages, corporate lending, and private banking in the Aargau region. Comparable size, product mix, and Swiss mid-tier positioning to Bank CIC.

Broad incumbents

• J. Safra Sarasin: Swiss-based private bank offering wealth management, investment advisory, and corporate finance to HNW and institutional clients globally. Comparable wealth management focus, though larger and more internationally diversified than Bank CIC.
• Vontobel: Swiss private bank and asset manager offering wealth management, investment advisory, and asset management services. Overlapping wealth management and investment product capabilities with Bank CIC, but with a broader and more institutional client base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Bank_CIC

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank CIC