Hans Ringger

Swiss Volksbank , the fourth largest Swiss bank, provides financial services to medium sized & small domestic & commercial organisations. It has 192 branches & agencies in Switzerland & 14 representative offices & subsidiary companies internationally. Interest on fees & loans accounted for 60% of 92 revenues; interest on bank deposits, 18%; interest on investment securities, 7%; other interest income, 5% & non-interest income, 10%