Graubündner Kantonalbank products, services and reviews

About Graubündner Kantonalbank

Graubündner Kantonalbank is a regional Swiss bank headquartered in Chur that operates under cantonal law in the Canton of Graubünden and is supervised by FINMA, with participation in the national depositor protection scheme esisuisse (currently covering up to CHF 100,000 per client per bank). Founded in the 19th century, it runs a universal banking model focused on the local market, offering current and savings accounts, payments, mortgages (fixed-rate and SARON-linked), consumer and SME lending, cash management for businesses, investment advisory and discretionary mandates, private banking and wealth planning, and asset management services for private and institutional clients. Its funding base is primarily customer deposits complemented by capital market instruments and secured funding, while the loan book is concentrated in Swiss residential and commercial real estate within the canton, which shapes its credit and concentration risk profile alongside interest rate and liquidity risk managed through treasury and ALM policies. Digital channels include e-banking and a mobile app with support for common Swiss payment standards such as QR-bill, eBill, and TWINT, alongside branch-based services in the region; cross-border offerings are limited and subject to the regulatory regimes of the client’s country of residence. Governance reflects cantonal ownership and public-law status, with responsibilities and any statutory support provisions defined in cantonal legislation and disclosed in the bank’s reporting; the bank publishes audited annual and interim results with capital, liquidity, and risk metrics, and holds investment-grade credit ratings from major agencies with a stable outlook. Pricing follows typical Swiss market structures, including account package fees, securities custody and brokerage charges, and mortgage margins that vary by product, term, collateral, and client risk profile; fee schedules and product terms are publicly available and subject to change. Key points for prospective clients and counterparties include the regional concentration of activities, the predominance of mortgage lending in the balance sheet, sensitivity to Swiss interest rate cycles, adherence to Swiss capital and liquidity requirements, and the disclosure of risk, sustainability policies, and remuneration frameworks through investor and regulatory publications.