21 Capital-adequacy computation (Basel IV/III)
in CHF 1,000 | 30.06.2025 | 31.12.2024 |
Basel IV | Basel III | |
Total shareholders’ equity | 1,126,861 | 1,116,794 |
Total regulatory deduction | –60,681 | –50,622 |
Eligible core capital (tier 1)1 | 1,066,180 | 1,066,172 |
Total required equity | 326,942 | 329,744 |
Capital buffer | 190,030 | 191,418 |
Total required equity including capital buffer | 516,973 | 521,162 |
Tier 1 ratio1 | 26.1% | 25.9% |
Total risk-weighted assets | 4,086,778 | 4,121,797 |
Return on investment (net income / average balance sheet total) | 0.5% | 0.2% |
1The CET 1 ratio is equal to the core capital ratio (Tier 1) and the total capital ratio of VP Bank Group.