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Company HYPOSWISS / SGVB / Swisscom IT Services AG / Retail / UBS / J U S T M E N T S A / CS / Bank Thorbecke AG / KB Immoservice AG / Commercial / AGI Holding AG / Portfolio Management / The Cantonal Bank of St. Gallen / SGKB Group / / Country Switzerland / Germany / Austria / / Currency CHF / / Event Business Partnership / Reorganization / M&A / Dividend Issuance / / Holiday New Year's Day / / IndustryTerm real estate / statutory and banking auditors / cooperative banks / social insurance organisations / data processing / credit risk management / credit assessment audits / bank / investment products / banking / data processing operations / data processing work / / Organization Federal Banking Commission / Private Banking Division / Investment Center / Executive Board / / Position representative / Annual General / / Region Eastern Switzerland / / SocialTag 
ANNUAL REPORT[removed]Review and prospects 2