Value creation model

This model is based on the IFRS Foundation’s blueprint and shows how we generate sustained value through our business activities and interaction with our stakeholders, covering both financial and non-financial aspects.



*All figures as of end-2023 unless otherwise stated

Delivering bespoke financial solutions on a global scale

As a global private banking group, EFG’s strategy builds on its core strengths – effectively combining local know-how in a global network, strong client focus and a comprehensive and impartial product and service offering. A strong risk management and regulatory compliance framework are a prerequisite to generating profitable and sustainable growth for the benefit of our stakeholders.


EFG serves its clients through five business regions, which are supported by two global divisions specialising in investment solutions and capital market products and services. EFG’s business regions and global divisions work together closely to provide clients with financial solutions that are tailored to their individual needs and designed to deliver on their financial objectives.


Organisational set-up

Business region

Global divisions

Strategy & value proposition

We are a leading Swiss private bank renowned for its client centricity. Our distinguished Client Relationship Officer (CRO) model enables us to deliver superior and tailored service and advice. It combines personalisation and geographic proximity to our clients with a global perspective, efficiency and scale. As a family-controlled, publicly listed and professionally managed global boutique, we can truly focus on long-term, multi-generational wealth creation and provide impartial advice to our clients.

Our 2023-2025 strategic plan: Focused on growth through scale and efficiency

EFG is a leading Swiss private bank with a strong capital position and a highly liquid balance sheet. With CHF 142.2 billion of Assets under Management as of end of 2023, a distinctive entrepreneurial approach, our pool of talent, a truly global network and deep investment expertise, we are well positioned to benefit from the expected wealth creation across different geographies and client segments.


Based on our unique value proposition and resilient business model, our 2023-2025 strategic plan focuses on sustaining profitable growth and achieving scale. Following the 2019-2022 strategic cycle, where we laid strong foundations for growth, we believe there is significant potential to further grow our business, generate scale and operational leverage.


Based on these ambitions, we have defined the following five strategic priorities that are also reflected in our financial targets for 2025:

  • Maintain growth momentum by delivering first-class solutions and advice to clients

  • Expand operating leverage to consistently increase profitability

  • Strong capital generation, translating into attractive dividend distributions

  • Continued transformation and digital acceleration to constantly meet client needs

  • Drive performance, based on robust risk and compliance framework

Our strong organic capital generation and our solid capital position enable us to fund our organic growth and further support a transparent and progressive dividend policy. We aim to continue distributing 50% of our underlying net profit to shareholders as dividend payments. Our capital management framework for 2023-2025 includes a management floor of 12% CET1 capital ratio and the possibility of additional capital distributions if the CET1 capital ratio exceeds 15%, subject to market conditions, M&A opportunities, and regulatory developments.

While our capital-light operating model allows us to achieve strong organic growth, we will continue to consider accretive and culturally fit acquisition opportunities with the aim to accelerate market share gains and/or acquire capabilities in strategic markets where we are already present.

Growth levers: What drives our strategy

Our 2025 ambition ultimately aims at creating value for our stakeholders, most notably our clients, our shareholders and our employees. To deliver this, we are continuing to focus on two important drivers: firstly, our client-centric approach based on our unique CRO model allowing us to build long-term relationships, something we aim to further preserve and cultivate.  Secondly, we continue to promote and implement  a simplicity mindset  across our organisation with the goal to streamline processes, increase automation and achieve operational excellence.

Furthermore, we have defined three key levers that will help accelerate our growth momentum and differentiate us in the market:

Content innovation

We aim to offer and deliver first-class investment and wealth solutions to meet the ever-evolving needs of our clients, including the next generation, and in extraordinary quality.

Digital acceleration

We will accelerate the deployment of our digital capabilities to improve the experience of our clients, our client relationship officers and enable all our colleagues to provide world-class service in an efficient manner.


People are EFG's most important asset and the recent success in onboarding new talent reflects our reputation as an employer of choice and confirms that our CRO model is considered competitive and attractive in the industry. We aim to attract, develop and retain talented individuals with the skills and experience needed to serve our most demanding clients around the globe. We strive to provide an inclusive working environment in which all our employees are valued and can thrive equally.

We believe that responsible business and a strong foundation are essential to achieving long-term success. We continuously invest in our financial and operational resilience, building on our solid balance sheet, and robust compliance and risk management frameworks.

Holistic product offering tailored to client needs

Our five private banking business regions are supported by two global divisions – Investment Solutions and Global Markets – with a comprehensive products and services offering.

Client Relationship Officer (CRO) model

Embedded in EFG’s values

Local experts – globally

EFG was founded in Zurich – the Swiss financial centre at the heart of Europe and a city that is home to our headquarters. Switzerland’s solid, innovative and entrepreneurial economy continues to inspire our approach to business as we expand around the world.

With a presence in over 40 locations spanning every time zone from Asia Pacific to Europe and from the Middle East to the Americas, we are perfectly placed to partner with our clients and help them thrive. Our entrepreneurial spirit and dynamic collaborative approach, as well as our commitment to delivering outstanding service and advice, form the basis of our relationship with our clients.


Zurich (headquarters)
St. Moritz




Grand Cayman
Panama City 
Punta del Este
Rio de Janeiro 
Sao Paulo

Asia Pacific

Hong Kong

Middle East 

Tel Aviv