Thurgauer Kantonalbank (TKB) operates as a universal bank focused on the Swiss canton of Thurgau and surrounding areas. The bank's core business model revolves around traditional retail and commercial banking, offering products such as current and savings accounts, residential and commercial mortgages, consumer loans, and corporate financing. Additionally, TKB provides wealth management, pension planning, and investment advisory services to private clients, alongside succession planning and trade finance for corporate customers. The bank operates a dense network of nearly 30 branches and numerous ATMs across its home canton. TKB is characterized by its conservative risk policy, explicitly avoiding proprietary trading and investment banking activities. The Canton of Thurgau holds the majority of the bank's share capital and voting rights, and the bank benefits from a full state guarantee on its liabilities. TKB's revenue is primarily driven by its interest operations, particularly mortgage lending, supplemented by commission and fee income from its investment and asset management services.
