Reflecting on 2025: A year of growth, trust, and new beginnings

As 2025 draws to a close, I find myself reflecting on what has been our most transformative year yet. Not just in terms of numbers, though those tell a powerful story, but in terms of what we've built together and what lies ahead.

A year of remarkable growth

We began 2025 with just under 18'000 clients. Today, we're approaching 30'000. Our assets under management have grown significantly, and our investment strategies have continued to deliver robust performance: 7,71% year-to-date vs. 5,92% for the average of our peers for our balanced strategies*.

What makes me most proud is how we achieved this growth. Over 30% of our new clients came through referrals from existing clients. Our retention rate remains above average. When clients recommend us to their friends, family, and colleagues, it tells me we're doing something right.

Your primary bank

What truly sets this year apart is that Alpian has become the primary bank for so many of you. Your salaries, your savings, your investments, your retirement planning, all in one place. This is exactly what we set out to build: a complete financial home where you can move, grow, and preserve your money. Seeing this vision become reality, through your trust, is deeply meaningful to all of us.

In November, we launched our Pillar 3a retirement solution powered by 100% BlackRock portfolios with 0% fees through 2026**. We also introduced eBill, recurring investments, and deepened our American Express partnership.

Welcoming new members to the Alpian family

This month, we announced a partnership with radicant bank as they wind down their operations. We're honored to welcome their approximately 20'000 clients to Alpian in the coming months.

To our new clients: we understand that change isn't always easy. But we've prepared carefully for your arrival, with dedicated support, a warm welcome from our team, and a commitment to making your transition as seamless as possible. You're not just inheriting a new bank, you're joining a community that believes banking can be better.

Looking ahead to 2026

The Swiss banking landscape is changing. Some institutions are pulling back, others are standing still. At Alpian, we're building forward, with discipline, with purpose, and with conviction.

The year ahead will bring new services, new capabilities, and new ways to serve you better. Instant payments, vested benefits solutions and TWINT are all on the horizon. And we'll continue to refine everything we do based on your feedback.

Our mission remains unchanged: to help you define and realize your personal vision of wealth, with services designed to support both your financial goals and lifestyle aspirations.

Thank you for trusting us with your financial future. Thank you for recommending us to others. Thank you for being part of this journey.

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Here's to an even better 2026, together.

Kind regards,

Gianmarco Bonaita CEO, Alpian

*Source: Alpian, Performance Watcher. Data as of 10/12/2025. The average performance of Swiss banks for a balanced strategy is represented by the Performance Watcher Mid-Risk Index. For Alpian, we display the average performance of discretionary portfolios following a balanced strategy (40–60% equity allocation). All performance figures reflect the aggregate time-weighted return, net of fees, across all Alpian clients with a balanced strategy. Individual investment results may vary due to factors such as investment timing and specific strategy choices. Past performance is not indicative of future results. The content of this publication is provided for informational purposes only and should not be interpreted as legal, tax, investment, financial, or other professional advice.

**Offer reserved for the first 1'000 Pillar 3a accounts opened. For 2025 and 2026, all management and foundation fees are fully reimbursed. Only minimal underlying fund costs (around 0,15% TER) and applicable VAT remain. Alpian reserves the right to modify or discontinue this offer at any time without prior notice.