Friborg Raiffeisen Banks: €18.1M Profit & Mortgage Market Share in 2025

Raiffeisen Banks in Friborg Report Strong 2025 Results, Focus on Mortgage Market and Diversification

The Raiffeisen Banks in Friborg reported a profit of 18.1 million francs for 2025, a 2.7% increase, with a total balance sheet reaching 15.8 billion francs. The cooperative attributes its success to a resilient cooperative model despite economic headwinds, including interest rate cuts and broader economic uncertainties.

Mortgages Remain Core Business

The mortgage sector continues to be central to Raiffeisen’s operations in the canton of Fribourg. The total mortgage portfolio exceeded 13 billion francs in 2025, reaching 13.129 billion francs – a 3.4% increase of 433 million francs. Raiffeisen now holds a 26.2% market share in the canton’s mortgage market, meaning approximately one in four mortgage loans in Friborg are issued by Raiffeisen.^Frapp.ch

Strict Lending Criteria

Despite the strong performance, Raiffeisen maintains strict lending criteria. Dominique Andrey emphasized that these criteria are not unique to Raiffeisen but are broadly applied across the banking sector. Applicants must demonstrate a clear ability to repay loans and meet interest obligations. ^Frapp.ch

Diversification Efforts

While mortgages are a key revenue driver, Raiffeisen is actively diversifying its business. Commission and service income increased by 15% in 2025, reaching 28.1 million francs. Both Micheline Guerry-Berchier and Dominique Andrey highlighted the importance of diversification for generating regular income and achieving a more balanced turnover.^Frapp.ch Guerry-Berchier noted progress in the investment and protection sectors.

Strong Local Presence

Raiffeisen’s success in Friborg is attributed to its extensive local network. The nine Raiffeisen banks in Friborg operate 43 branches and serve 205,509 customers – an increase of 2,510 customers compared to the previous year.^Frapp.ch Micheline Guerry-Berchier emphasized that 90% of residents in Friborg live within a ten-minute drive of a Raiffeisen branch.

Micheline Guerry-Berchier has been the president of the Federation of Raiffeisen Banks in Friborg Romand since September 9, 2024, and is the first woman to hold this position.^LaLiberte.ch Raiffeisen celebrated its 125th anniversary in 2025, hosting an exclusive event for its members at the Estivale Open Air, featuring performances by GOLDMEN and AMIR.^{Raiffeisen.chRaiffeisen.ch}