Financial Services

A key factor in the Swiss economy, the financial services sector faces major challenges. Financial institutions are caught between shareholders who expect adequate returns, regulators who are constantly tightening requirements and competitors who are relentlessly pushing ahead with digitalization.

Challenges & Focus

Financial Center

Recent studies show that the Swiss financial center has steadily lost importance in international competition in recent years. In addition, the merger of the two major banks UBS and Credit Suisse fundamentally changed the market structure in Switzerland, and regulatory requirements are set to be tightened further in the future. According to the Chairman of the Swiss National Bank, future regulations could take a bank's profitability more into account. The entire financial center will therefore face extensive challenges in the coming years.

Profitability

Our annual analysis of the profitability of Swiss banks shows that making equity profitable is a key challenge for Swiss financial institutions. Pressure from shareholders, owners and regulators with regard to value creation will increase in the coming years and the issue of profitability in the financial services sector will continue to come to the fore.

Risk

Inflation, rising interest rates and geopolitical conflicts are clouding the general economic situation, both internationally and in Switzerland. For the financial sector, the focus is therefore even more on identifying and managing the resulting risks at an early stage. In corporate banking in particular, a well-founded review of clients' business models is required as a basis for a critical review of credit exposures.

Renewable energy

devolution

digitization

Network convergence

need for skilled workers

Focus in energy

market integration

New competitor

electrification

customer needs

material supply chains

Our Services

Overall Bank Management

Achieving an appropriate return on equity represents a major challenge for Swiss financial institutions. Our holistic Value-based Management approach is based on many years of extensive experience and ensures that you have a clear understanding of your current financial performance and a well-founded basis for decision-making so that you can increase your future financial value creation. From defining value-creating, strategic objectives to conceptual development of a contribution margin statement, our experts are at your side with tailor-made solutions to sustainably increase the financial value creation of your company.

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Corporate Banking

Correctly assessing risks in corporate banking and translating them into an appropriate customer interest rate has become significantly more relevant in recent years. Our experienced experts support you in Corporate Banking in the following areas:

Credit Analysis

Knowing the customer and systematically recording their business model is a central element of credit assessment. The approach developed by us and used by various banks enables targeted and efficient business model analysis based on company-specific value and risk drivers. By combining business model analysis with the debt capacity approach, we create the necessary basis for a well-founded credit decision.

Risk-adjusted Pricing

Risk-adjusted pricing and transparent special conditions management serve to optimize returns and risks in the corporate client area. Our experts will assist you in setting up pricing tools by defining the individual pricing components (including refinancing, risk, capital and process costs) and assist you in defining and implementing an appropriate special conditions policy.

Early Warning Systems

Based on business model analysis and internal banking industry know-how, strategic crises among customers can be identified at an early stage. By defining early warning indicators, which are evaluated regularly and in a standardized manner, we create the basis for dynamic risk monitoring. At the same time, the review process is being optimized by aligning the resubmission deadlines for lower credit commitments in terms of amount with the early warning system.

Financial Expert Opinions

As a recognized and experienced expert, we support you in legal disputes or regulatory issues through independent financial expert opinions. The reports prepared by us meet the highest standards of courts, regulatory and supervisory authorities as well as lawyers and auditors. Rely on our expertise and secure solid support for your success.

> Learn more about Financial Expert Opinions

M&A

Whether it's identifying strategic opportunities, mitigating risks, or maximizing value, you face comprehensive challenges in every M&A process. Our experts support you throughout the M&A process to ensure that your strategic goals are achieved. When carrying out M&A projects, we rely on our many years of experience, our extensive network in the Financial Services sector and the highest standards of integrity, confidentiality and independence.

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Valuation & Financial Modeling

Reliable valuations and financial models provide key decision-making bases for managers in the Financial Services sector. From bank valuations to value considerations in an M&A context to the valuation of fund shares, our experts will assist you with all valuation issues with many years of experience, recognized expertise and comprehensive understanding of the financial sector.

> Learn more about Valuation & Financial Modeling

Financial Services Client Projects

4/4/2024

Fairness Opinion on the assessment of the financial adequacy of the public takeover offer by Constantia Flexibles GmbH for the publicly held shares of Aluflexpack AG

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Industrials
M&A
1/1/2000

Financial Expert Opinions are strictly confidential, and credentials are communicated only in an anonymized form and through personal contact.

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Financial Services
Financial Expert Opinions
17/8/2023

Fairness Opinion on the financial assessment of the public exchange offer by Liontrust Asset Management Plc for all publicly held registered shares of GAM Holding AG

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Financial Services
Equity Capital Markets
13/1/2023

Design and implementation of training courses in corporate banking

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Financial Services
Value-based Management
13/1/2023

Review of a tool for analyzing corporate clients and the determination of debt capacity

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Financial Services
Value-based Management
24/2/2022

Conception and implementation of training courses in corporate banking

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Financial Services
Value-based Management
20/8/2021

Review of risk-adjusted pricing and performance management in corporate banking

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Financial Services
Value-based Management
20/12/2021

Support in the development of a new bank strategy

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Financial Services
Value-based Management
11/2/2022

Valuation of Basellandschaftliche Kantonalbank and assessment of scenarios of the institutional design of the bank for the attention of the Canton of Basel-Landschaft

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Financial Services
Valuation & Financial Modeling
4/5/2021

Development of concept for business model and debt capacity analysis

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Financial Services
Value-based Management
5/6/2020

Support of strategy review

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Financial Services
Value-based Management
5/6/2020

Strategic analysis of the existing business case and of the optimal ownership structure

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Financial Services
Technology
Valuation & Financial Modeling
29/1/2019

Definition of pricing rules in corporate lending business

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Financial Services
Value-based Management
5/12/2018

Development of a concept for the further development of performance management

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Healthcare
Financial Services
Value-based Management
29/1/2019

Development and providing of training in corporate lending business

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Financial Services
Value-based Management
29/11/2019

Review of lending approaches in corporate banking

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Financial Services
Value-based Management
31/1/2019

Optimization of the use of resources in the branches

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Financial Services
Value-based Management
19/2/2019

Review of analytical approaches in corporate banking

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Financial Services
Value-based Management
2/12/2019

Sell-Side Advisor of cashgate in the sale of SmartCaution

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Financial Services
M&A
10/9/2019

Determination of fair value of SCOR Switzerland AG

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Financial Services
Valuation & Financial Modeling
1/2/2019

Valuation of Aargauische Kantonalbank

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Financial Services
Valuation & Financial Modeling
3/5/2018

Treasury performance measurement

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Financial Services
Value-based Management
16/11/2018

New Performance Management at SIX

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Financial Services
Technology
Value-based Management
11/6/2018

Implementation of the purchase price allocation for the acquisition of the fintech start-up Contovista

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Financial Services
Valuation & Financial Modeling
29/1/2019

Valuation of a mortgage portfolio

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Financial Services
Valuation & Financial Modeling
7/8/2018

Risk adjusted pricing

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Financial Services
Value-based Management
23/1/2017

Training in the corporate banking segment

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Financial Services
Value-based Management
29/3/2018

Valuation of Clientis Biene Bank im Rheintal as basis for the determination of the issue price within their increase in capital

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Financial Services
Valuation & Financial Modeling
5/4/2018

Periodical assessement of location portfolio

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Financial Services
Value-based Management
5/4/2018

Execution of a competitor screening in the corporate customer business

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Financial Services
Value-based Management
22/3/2018

Support in the implementation of contribution margin accounting

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Financial Services
Value-based Management
19/12/2016

Support for the realization of the optimization potential for all Clientis Banks

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Financial Services
Value-based Management
23/1/2017

Analysis of the current rating system

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Financial Services
Value-based Management
5/4/2018

Optimisation of resource management in the branches

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Financial Services
Value-based Management
5/4/2018

Review of limits within interest rate risk management

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Financial Services
Value-based Management
5/4/2018

Analysis of operating performance

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Financial Services
Value-based Management
23/2/2017

Assessment and improvement of management reporting

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Financial Services
Healthcare
Value-based Management
9/4/2018

Financial Advisor of PAX Anlage AG within the disposal of PAX Verwaltungen AG to PAX Schweizerische Lebensversicherungsgesellschaft AG

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Real Estate
Financial Services
M&A
7/8/2018

Preparation of the Fairness Opinion relating to the public tender offer made by Basler Leben AG to the shareholders of PAX Anlage AG

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Real Estate
Financial Services
Equity Capital Markets
19/12/2016

Support to Privatbank Von Graffenried in the course of its strategy review

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Financial Services
Value-based Management
19/12/2016

New Debt Capacity Framework for UBS

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Financial Services
Value-based Management
22/12/2016

Determination of fair value of employee stock options

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Financial Services
Valuation & Financial Modeling
19/12/2016

IFBC acted as a financial advisor on the sale of a 25% equity stake of Zürcher Landbank AG to Clientis Zürcher Regionalbank

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Financial Services
M&A
19/12/2016

Development of methodology and training relating to a debt capacity concept within the corporate banking department

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Financial Services
Value-based Management
19/12/2016

Bank valuation for the purpose of a capital increase

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Financial Services
Valuation & Financial Modeling
19/12/2016

Implementation of a value based performance measurement

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Financial Services
Value-based Management
19/12/2016

Early warning tool for credit to small and medium-sized enterprises (SME) for Valiant Bank AG

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Financial Services
Value-based Management
19/12/2016

IFBC acted as a sole financial advisor to Marxer Stiftung für Bankwerte on the sale of Centrum Bank Ltd., Vaduz to VP Bank Ltd.

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Financial Services
M&A
19/12/2016

Development of a Value Based Management approach

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Financial Services
Value-based Management
19/12/2016

Development and conduct of training in the corporate banking segment

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Financial Services
Value-based Management
19/12/2016

Management of operating cost at Helsana

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Healthcare
Financial Services
Value-based Management
19/12/2016

Development of a treasury reporting framework

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Financial Services
Value-based Management
19/12/2016

Bank valuation

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Financial Services
Valuation & Financial Modeling
19/12/2016

Definition of value creating target setting

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Financial Services
Value-based Management
19/12/2016

Development of an equity capital strategy

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Financial Services
Financing & Restructuring
19/12/2016

Establishment of a Value Based Management approach

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Financial Services
Value-based Management
19/12/2016

Implementation of a new debt capacity method for the Zurich Cantonal Bank (ZKB)

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Financial Services
Value-based Management
19/12/2016

Training in the corporate banking segment

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Financial Services
Value-based Management
19/12/2016

Financial Advisor for restructuring and refinancing and the successful issue of a CHF 250 million bond

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Financial Services
Financing & Restructuring
19/12/2016

Review of the goodwill impairment test and the cost of capital

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Financial Services
Value-based Management
19/12/2016

Group-wide process analysis in the credit sector

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Financial Services
Value-based Management
19/12/2016

Development of concept and provision of training in the area of debt capacity

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Financial Services
Value-based Management
19/12/2016

Group-wide strategy analysis

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Financial Services
Value-based Management
19/12/2016

Development and implementation of a Value Based Management approach

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Financial Services
Value-based Management
19/12/2016

Preparation of the Fairness Opinion relating to the public tender offer made by Alpine Select AG to the shareholders of Absolute Invest AG

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Financial Services
Equity Capital Markets
19/12/2016

Enterprise valuation within the capital increase of Vibbek AG

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Financial Services
Valuation & Financial Modeling

Contact Us

Christian Hirzel
Partner
Noel Sager
Manager