St. Galler Kantonalbank AG products, services and reviews

About St. Galler Kantonalbank AG

St. Galler Kantonalbank AG is a Swiss universal bank headquartered in St. Gallen and founded in 1868, operating primarily in the Canton of St. Gallen and Eastern Switzerland with a branch network and fully fledged online and mobile banking channels. The bank focuses on retail and SME banking (payments, current and savings accounts, mortgages, consumer and business lending), private banking and wealth management (investment advisory, discretionary mandates, funds), and basic corporate services such as cash management and financing solutions; it also offers Swiss pension products (notably pillar 3a) and standard cards and payments. The Canton of St. Gallen is a significant shareholder, and the bank’s shares are listed on the SIX Swiss Exchange; governance follows Swiss corporate law in combination with cantonal legislation applicable to cantonal banks. Group activities include selected cross‑border wealth management, notably via its German subsidiary for private banking, subject to local regulatory constraints. Funding is predominantly from customer deposits, complemented by capital‑market instruments and covered funding common in Swiss mortgage banking; the balance sheet is typically mortgage‑heavy, which concentrates exposure to Swiss real estate and interest‑rate risk in the banking book. The bank is supervised by FINMA and the Swiss National Bank and is subject to capital and liquidity requirements (including LCR/NSFR); client deposits are covered by the Swiss depositor protection scheme esisuisse up to CHF 100,000 per client per bank, and any additional cantonal support or statutory guarantee is defined by cantonal law and should be reviewed in the current legal documentation. Pricing, eligibility, and product availability vary by client domicile and segment, with cross‑border services limited by regulation. Public financial reporting, risk disclosures, and remuneration and governance information are available through the investor relations pages associated with its stock‑exchange listing, enabling an assessment of profitability, capital adequacy, and asset quality without relying on marketing materials.