CSR Report
In 2026, Banque Cantonale de Fribourg (BCF) publishes the fifth edition of its CSR Report (previously Sustainability Report), reporting on 2025. The Sustainability Report is now called the CSR Report (corporate social responsibility) to reflect developments in market practice more closely. Published annually on a voluntary basis, this report presents BCF’s goals and initiatives with regard to its social responsibility. In conjunction with the Annual Report, it offers a global perspective of the Bank’s operations taking account of the financial, social, environmental and governance dimensions.
Banque Cantonale de Fribourg addresses all the main subjects of sustainable development and facilitates access to its CSR Report via a dedicated microsite: https://esg.bcf.ch.
The report conforms to the standards of the Global Reporting Initiative (GRI, global benchmark for sustainability reporting). The report covers all the operations and areas of BCF, associated foundations, staff and the Bank’s 26 branches, all of which are in the Canton of Fribourg. It is based on the GRI standards and covers the period from 1 January to 31 December 2025.
The report on non-financial issues (see Art. 964a ss CO, Ordinance on Climate Disclosures and recommendations by the Task Force on Climate-related Financial Disclosures (TCFD)), is included in the CSR Report. The “CO Index” and “TCFD Index” sections clearly show where to find the information in question.
This report has been reviewed and approved by the Executive Board and Board of Directors of BCF.
Annual Report
The Annual Report (AR) includes the balance sheet, income statement, cash flow statement, statement of changes in equity and the notes to the financial statements. It presents the Bank’s economic position in detail. It also provides information on the Bank’s structure, operations, governance, compensation policy for its governing bodies and risk management.
Code of conduct and ethics
BCF published a Code of conduct and ethics in 2025 setting out the principles and rules guiding conduct with regard to integrity, transparency, loyalty and respect. The staff underpin the Bank’s reputation and the trust placed in us by clients, authorities and the public. The Code of conduct and ethics was drawn up with this in mind. It outlines the principles and rules that must be observed by every employee, member of management and members of the Executive Board and Board of Directors. Designed as a general regulatory framework, it aims to clarify expectations, forecast risk situations and provide clear guidance in the event of doubt regarding employee conduct.
Sustainable Development Charter
The BCF Executive Board assumes operational responsibility for economic, social and environmental measures with the support of the Board of Directors. The Executive Board sets out principles and goals with regard to the Bank’s products and services, its social responsibility and its commitment to the environment in the Sustainable Development Charter. It also states how BCF contributes to the United Nations’ Sustainable Development Goals (SDGs).
Energy renovation guide
The energy renovation guide is for anyone – owners, investors, members of the public – who wants to upgrade their property and contribute to a more sustainable energy format at the same time.
Sustainability policy
Sustainability is a central strategic axis for BCF. The sustainability policy defines the Bank’s general principles, guidelines and commitments in terms of sustainable development. It outlines the different themes “Environment”, “Social” and “Governance” as well as the products and services offered by BCF to meet client expectations.