Are digital investments paying off?
We analysed the cumulative share of operating income spend on digital efforts.
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Source: Annual reports (2019–2024), own analysis
Details matter, we break it down for strategic insights
Peer 1 capitalises a large share of its software spending while St. Galler Kantonalbank accounts for most of its digital spend as operational expenses. Peer 1's depreciation almost doubled in the past 3 years and will continue to do so, increasing pressure on profitability.
Peer 1's rising depreciation will put increasing pressure on its Cost-Income Ratio
Software investment + operating expenditure (bars above zero) · Depreciation (bars below zero) · Activated software (line) · CHF millions
BANKENKOMPASS.CH
Software InvestmentSoftware Operating Exp.Activated SoftwareDepreciation (below zero)
St. Galler KantonalbankCHF 1.2M activated
Peer 1CHF 65.4M activated
Peer 2CHF 5.5M activated
Peer 3CHF 5.8M activated
