OKB Successfully Continues Sustainable Growth Path

Bank Council President Toni Hofer praised the successful results at the balance sheet media talk in Sarnen: "The Bank Council is very satisfied with the financial results of 2025. It demonstrates that the entire OKB team has performed excellently. I would like to specifically mention the disbursement to the Canton of Obwalden. As the owner, it receives a total of 9.24 million Swiss Francs as profit distribution and compensation for the state guarantee. This is 577,000 more than the previous year, which pleases me greatly."

CEO Margrit Koch adds: "I am particularly proud of the sustainable growth in our core business: we were able to increase both customer loans and customer funds last year. This is proof of our customers' trust in our bank and our competence in providing advice."

Higher Dividend and Over 9 Million Francs for Obwalden The bank's shareholders can benefit from the good results. The bank of the people of Obwalden significantly increases its disbursement to the Canton: for the financial year 2025, 9.24 million Francs flow as profit distribution and compensation for the state guarantee into the cantonal treasury. Per resident of Obwalden, this amounts to an average of 230 Francs.

The approximately 2,400 holders of participation certificates benefit from a higher dividend. It amounts to 32 percent, which is 32 Francs per participation certificate at a year-end price of 1,250 Francs.

Leading Mortgage Bank in the Canton In the mortgage business, OKB was able to confirm its leading position and increase the volume by nearly 190 million Francs. The total loan volume rose to 4.54 billion Francs. This is evidence of both expertise in advising and the attractiveness of the products.

Growth in Customer Funds In the customer deposits, which are crucial for refinancing, there was growth of over 130 million Francs. The actual customer funds amount to 3.55 billion Francs. The increase in customer deposits underscores the great trust of the customers in OKB.

Strengthened Equity and Solid Balance Sheet Equity after profit distribution as of December 31, 2025, amounts to 565.90 million Francs. The balance sheet total increased to 6.29 billion Francs in the reporting year. An equity ratio of 9.0 percent proves that OKB is a well-capitalized and very stable bank.

Interest Business as a Strong Pillar of Income Despite ongoing margin pressure, OKB was able to expand in the interest business. It remains the most important source of income. The gross profit from interest business amounts to 52.30 million Francs. Thanks to prudent risk policy, the bank was able to reverse impairments, increasing the net profit to 53.72 million Francs.

Positive Development in the Investment Business Revenue in the commission and service business increased to 11.52 million Francs – driven by good market developments and strong investment and asset management business. OKB was able to expand the managed securities volume by 14.8% in the fiscal year 2025. This illustrates the great trust of investment clients and underscores the competence of private banking and the expertise of investment specialists.

Trading Business Influenced by Market Conditions 2025 was a volatile year on the stock markets. Lower foreign exchange rates weighed on financial investments and reduced trading income by 12.1 percent to 5.56 million Francs. Thanks to active management of its own financial assets, other ordinary income increased by over 20 percent to 4.01 million Francs. Overall, the gross profit amounts to 74.81 million Francs, which is a significant increase of 7.3 percent compared to the previous year.

Strategic Projects Increase Operating Expenses The implementation of numerous projects within the framework of the strategy 2022+ "Climbing Mountains Together" led to an increase in operating expenses in 2025. These amount to 39.98 million Francs. While operating expenses rose by 13.0 percent, especially due to digitalization, personnel costs increased by 7.1 percent due to higher business volume and strategic investments. Even taking these investments into account, the bank confirms its cost efficiency: the cost-income ratio, the ratio between expenses and revenue, is 53.4 percent.

Annual Profit Develops Positively The bank's operational performance is reflected in the business success of 27.79 million Francs, a plus of 6.9 percent compared to the previous year. Once again, OKB strengthened reserves for general banking risks, resulting in an annual profit of 14.68 million Francs.

Successful Conclusion of Strategy 2022+ With the strategy 2022+ "Climbing Mountains Together," OKB has laid important foundations for the future in recent years. The three strategic goals – creating genuine added value for customers, convincing personally and digitally, and ensuring and diversifying income – have been consistently implemented. Numerous initiatives such as strengthening the development of young employees, positioning as a partner bank for young people, modernizing branches, or improving the quality of advice have sustainably increased the bank's competitiveness.

CEO Margrit Koch comments at the conclusion of strategy 2022+: "We have climbed many mountains during the last strategy period and fully achieved our strategic goals. I am very proud of the entire OKB team."

Outlook 2026 OKB will utilize its strong regional presence to continue creating genuine added value for customers in the future. The progress made confirms that the bank is well-prepared to meet the challenges of the coming years.

Detailed figures can be found under Results. The comprehensive annual report 2025 will be published on March 30, 2026.

Media Contact:
Fabienne Iten
Head of Corporate Communications
041 666 22 16
fabienne.iten@okb.ch

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