St.Galler Kantonalbank AG

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Business Focus

regional retail and business banking

Founded in 1868, St.Galler Kantonalbank AG is a universal bank, providing retail and business banking products mainly to the canton residents (natural persons and legal entities). Traditionally for cantonal banks, St.Galler Kantonalbank AG is especially strong in savings and mortgage products. Like most of the cantonal banks, St.Galler Kantonalbank AG has full state guarantee of its liabilities.

Bank Category

Cantonal banks


retail banking
private banking
business banking

Area Served

mainly the canton


current accounts
debit cards
credit cards
savings accounts
time deposit accounts
pension plans
consumer loans
mortgage loans
investment funds
trade finance

International Transfers

SWIFT Transfers
SEPA Credit Transfers
SEPA Instant Transfers
SEPA Direct Debits

See Also

Account Opening

Becoming a client of St.Galler Kantonalbank AG can be done in a few steps:

Visit bank branch

Due to regulatory requirements St.Galler Kantonalbank AG performs KYC/AML checks when establishing business relationships with a new client. While onboarding a private individual St.Galler Kantonalbank AG will ask him/her to provide the following documents: passport; proof of address. For corporate clients St.Galler Kantonalbank AG will ask to provide corporate documentation as well as information about controlling persons. St.Galler Kantonalbank AG may request additional documentation or information depending on the case. St.Galler Kantonalbank AG performs client's identity verification via branch visit.

Ways to Bank

St.Galler Kantonalbank AG delivers its products and services through both direct and indirect channels, namely:
online banking
mobile app

Common Shares

Listed Entity
St.Galler Kantonalbank AG
Stock Exchange
SIX Swiss ExchangeSIX Swiss Exchange (XSWX)

See Also


Total Assets of St.Galler Kantonalbank AG
Annual_profit of St.Galler Kantonalbank AG
Market Share of St.Galler Kantonalbank AG
Total Assets (2019)
35,792.94 mln CHF  (+8.99%)
Annual Profit (2019)
163.92 mln CHF  (+3.36%)
Number of Employees (2015)
1,059  (-1.12%)

St.Galler Kantonalbank AG is the 12th largest bank in Switzerland in terms of total assets. In 2019 its total assets were 35 792,94 mln CHF, providing the bank with the market share of 1.08%. St.Galler Kantonalbank AG is the 4th largest cantonal bank in Switzerland (out of 24 cantonal banks) having market share of 5.71% amongst the banks of this category. In 2019 the bank's annual profit was 163,92 mln CHF. St.Galler Kantonalbank AG had 1 059 employees in 2015.

Credit Ratings

Fitch: -
AA+, AA, AA-
A+, A, A-
BB+, BB, BB-
B+, B, B-
Moodys: Aa1
Aa1, Aa2, Aa3
A1, A2, A3
Baa1, Baa2, Baa3, Baa4
Ba1, Ba2, Ba3
B1, B2, B3
Caa1, Caa2, Caa3, Ca

St.Galler Kantonalbank AG is rated by Moody's. Long-term credit rating assigned to the bank by Moody's is Aa1 (high grade).

Deposit Guarantee

Guarantee Fund
esisuisse – Deposit Insurance (ESI)esisuisse – Deposit Insurance (ESI)
Protected Amount
up to 100,000 CHF
Eligible Depositors
private individuals (Swiss and foreign)
legal entities (Swiss and foreign)
Covered Accounts
credit balances

St.Galler Kantonalbank AG participates in the deposit guarantee scheme of Switzerland. This deposit guarantee scheme applies to credit balances made by private individuals (Swiss and foreign), legal entities (Swiss and foreign) and covers up to up to 100,000 CHF per bank per depositor. St.Galler Kantonalbank AG is a member of esisuisse – Deposit Insurance (ESI) and makes its contributions into it.


St.Leonhardstrasse 25, 9001, St. Gallen, Switzerland
071 231 31 31
071 231 32 32

St.Galler Kantonalbank AG is headquartered in St. Gallen.

Social Networks

St.Galler Kantonalbank AG has profiles at the following social networks:

On June 23, 2013 St. Galler Kantonalbank announced that it would strengthen its core business and would focus on the domestic market in Eastern Switzerland and the markets rest of Switzerland and Germany. It hence was decided to divest from Hyposwiss Private Bank Geneva SA and Hyposwiss Private Bank AG. In 2014, Hyposwiss Private Bank Geneva SA was sold to Mirelis InvesTrust SA while Hyposwiss Private Bank AG ceased its operations.

Bank Identifiers

Company Number

Bank Supervision

Supervised By
Swiss Financial Market Supervisory Authority
Reference Number

St.Galler Kantonalbank AG is authorized and supervised by the Swiss Financial Market Supervisory Authority (reference number CHE-105.845.146).

Bank History


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