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 development.

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 further 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

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.

Growth initiatives across our five business regions

In line with our 2023—2025 strategic plan that is aimed at capturing significant growth opportunities in selected markets, we initiated a number of targeted initiatives across EFG’s business regions to further develop our market presence.

To strengthen our client proximity, we opened new offices in Tel Aviv and Panama in 2023, in Gstaad and St. Moritz in 2024, and Istanbul at the beginning of 2025. We continued to expand our talent base and client coverage with 73 new CROs joining EFG in 2024 to nurture our growth ambitions across regions. EFG also made additional investments in digitisation to further enhance the client experience and to drive its operational efficiency.

Our Switzerland & Italy Region strategy builds on the following drivers:

• Strengthen talent base and client coverage by attracting new talent and exploiting their full potential

• Accelerate and develop EFG’s independent asset managers (IAMs) platform through continuous enhancement of the dedicated offering

• Foster new business opportunities such as our recently opened offices in Gstaad, St. Moritz, Tel Aviv and Istanbul

• Expand our wealth management offering and investment solutions as well as the credit and financing solutions

• Expand and optimise the advisory and discretionary mandates

Our Continental Europe & Middle East Region strategy builds on the following key pillars:

• Expanding our Middle East business with the Gulf Cooperation Council and Levant as key markets

• Accelerate growth into Europe, capitalising on the two key hubs in Luxembourg and Monaco and benefitting from our unique position in Portugal

• Broaden our credit offering, with a particular focus on Sharia and custody services for local Middle East securities

Within the UK Region, our ambition is to significantly and substantially grow our AuM and financial footprint by leveraging the following:

• Increase market share by utilising the investments made in enhancing our advisory and credit propositions and the development of our independent asset managers platform

• Focus on growing the books of the new CRO hires

• Accelerate Jersey branch growth through its simplified client engagement model.

• Streamline client journeys end-to-end to improve operational leverage as we increase the scale of the business

In the Asia Pacific Region, our strategy will focus on three growth levers:

• Continue to focus on strategic CRO hiring in attractive markets and client segments

• Grow existing business in Hong Kong and Singapore through a refined credit offering, increased penetration of higher margin and income-generating products and a roll-out of the digital trade execution platform for clients and IAMs

• Fully realise synergies from the Shaw and Partners acquisition and thereby increase the scale of the business through our Singapore hub

Within the Latin America Region, we focus on a multi-faceted approach to capitalise on the region’s unique opportunities:

• Continue to hire strong talent and grow our CRO team

• Digitise and enhance our offering platform

• Customized Wealth Management solutions: tailoring services to meet the specific needs of Latin American clients, with a focus on personalisation and local expertise

• Expansion through strategic partnerships and alliances: collaboration with local financial institutions and businesses to leverage regional knowledge and networks

• Strengthen local presence: ensuring multi-jurisdictional service in the USA, Switzerland, Bahamas and Cayman Islands as well as local proximity through the offices in Miami and the existing network of offices in Panama, Peru, Colombia, Brazil and Uruguay

Investment Solutions

• Discretionary Solutions

• Advisory Solutions

• Investment Funds

• Investment Finance and Real Estate Finance Solutions

• Wealth Solutions

Global Markets

• 24-hour execution services for CROs, Independent Asset Managers (IAM) and Direct Access Clients (DAC)

• Equities, fixed income, foreign exchange, derivatives and structured products