VP Bank AG (XSWX:VPBN) Net Loan: CHF3,644.2 Mil (As of Dec. 2025)

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XSWX:VPBN VP Bank AG XSWX:VPBN
62 GF Score
Price CHF96.90
GF Value CHF81.76
Valuation Modestly Overvalued
! 4 Warning Signs
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What is VP Bank AG Net Loan?

VP Bank AG XSWX:VPBN +0.41% 62 Net Loan is CHF3,644.2 Mil as of Dec. 2025. GuruFocus rates XSWX:VPBN with a GF Score™ of 62/100 and a GF Value™ of CHF81.76 (Modestly Overvalued). The stock has 4 warning signs investors should review.

VP Bank AG's quarterly net loan increased from Dec. 2024 (CHF3,702.5 Mil) to Jun. 2025 (CHF5,938.6 Mil) but then declined from Jun. 2025 (CHF5,938.6 Mil) to Dec. 2025 (CHF3,644.2 Mil).

VP Bank AG's annual net loan increased from Dec. 2023 (CHF3,266.7 Mil) to Dec. 2024 (CHF5,938.6 Mil) but then declined from Dec. 2024 (CHF5,938.6 Mil) to Dec. 2025 (CHF3,644.2 Mil).

VP Bank AG Net Loan Historical Data

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The historical data trend for VP Bank AG's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

VP Bank AG Net Loan Chart

VP Bank AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,238.15 3,176.81 3,266.74 3,702.54 3,644.17

VP Bank AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,266.74 5,752.23 3,702.54 5,938.55 3,644.17
XSWX:VPBN
62GF Score
VP Bank AG XSWX:VPBN
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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VP Bank AG Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of CHF3,644.2 Mil mean?
VP Bank AG (XSWX:VPBN) has a Net Loan of CHF3,644.2 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on VP Bank AG and its competitors.
Is VP Bank AG's Net Loan too high?
VP Bank AG's current Net Loan is CHF3,644.2 Mil. Overall, VP Bank AG has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does VP Bank AG's Net Loan compare to JPM and BAC?
VP Bank AG's Net Loan of CHF3,644.2 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on VP Bank AG and its competitors. VP Bank AG's current Net Loan is CHF3,644.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VP Bank AG stock overvalued right now?
Based on GuruFocus' analysis, VP Bank AG (XSWX:VPBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF81.76, compared to a current price of CHF96.90 — trading 18.5% above its estimated fair value. The current Net Loan is CHF3,644.2 Mil. VP Bank AG's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For VP Bank AG (XSWX:VPBN), the current Net Loan is CHF3,644.2 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is VP Bank AG (XSWX:VPBN) Overvalued in 2026?

Based on GuruFocus' analysis, VP Bank AG stock appears to be overvalued. The current stock price of CHF96.90 is trading 18.5% above its estimated GF Value™ of CHF81.76. GuruFocus considers VP Bank AG to be Modestly Overvalued.

Key valuation signals for XSWX:VPBN:

  • Net Loan: CHF3,644.2 Mil
  • GF Value™: CHF81.76 vs. price of CHF96.90 (18.5% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the XSWX:VPBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

VP Bank AG Business Description

Other Exchanges VPBNz:UK0RG7:UK3VFN:Germany
Address Aeulestrasse 6, Vaduz, LIE, 9490
VP Bank AG is a private bank. It is in the business of asset management and investment advisory services for private individuals and intermediaries and is also involved in the lending business, money market, and interbank activities and trading activities. The segments in which the company operates are Liechtenstein & BVI, International, Asset Servicing, and Corporate Center. Its geographical segments are Liechtenstein, the Rest of Europe, and Other countries, of which Liechtenstein derives maximum revenue.
62GF Score

Get the complete analysis for XSWX:VPBN

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF96.90
Price
CHF81.76
GF Value