Covid-19 credits

On this page you will find information and data related to Covid-19 bridging credits.

On this page, you will find information and data about Covid-19 credits for companies. To ensure liquidity, companies affected by the Covid-19 crisis were eligible to apply for bridging credits guaranteed by the federal government between March 26th 2020 and July 31st 2020.


Number and volume of Covid-19 bridging credits

Companies affected by the Covid-19-crisis were able to apply for bridging credits guaranteed by the federal government between 26 March and 31 July 2020 to ensure their liquidity. The table below shows the total number and volume of credits granted. Any credits that have already been repaid are not included here. All numbers are updated regularly.

 NumberAverage amount in CHFTotal in CHF
COVID-19 credit agreements137'426102'00014'000 Mio.*
COVID-19 credit plus1'1302.7 Mio.**3'008 Mio.**
Total138'55617'008 Mio.

* Extrapolation from number of credit agreements and average amount

** These numbers are based on the entire credit amount and not just the share of 85% which is guaranteed by the Swiss Confederation

Figures may vary as a result of adjustments made after the submission deadline of 31 July 2020 has passed.

Last updated: 16.06.2021

Data as CSV-File

Graphic for download: Total Covid-19 credit agreements, cumulative [png]

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Graphic for download: Total Covid-19 credit agreements per day [png]

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Infographic for download: Aid program status end of April [png]

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Fully repaid Covid-19 bridging credits

The table below shows the Covid-19 bridging credits fully repaid by the borrowers in the specified year, whereupon the corresponding guarantee organizations were exonerated of their Covid-19 solidarity guarantee by the lenders. Partial repayments without guarantee exoneration are not shown in the table below.

 Number of creditsAverage amount in CHF Total in CHF
20208'257224'3151'852'170'181
20214'290202'372868'175'804
Total12'547216'8122'720'345'985

Last updated: 16.06.2021

Honoring on guarantees under the Covid-19 bridging credits

The following tables provide information on the honoring of guarantees under the Covid-19 bridging loan programme, by year and by banking group. These are Covid-19 briding loans for which the banks have drawn down the guarantee and thus transferred the claims against the borrowers to the guarantee organisations. Reported here are the guarantees as reported by the guarantee organizations, which may differ from the federal government’s expenditures as reported in the government financial statements due to differences in the timing of the accounting entries.

Honoring on guarantees by year

 Number of creditsAverage amount in CHFTotal in CHF
202076881'10762'208'856
20211'50685'901129'281'223
Total2'27484'283191'490'079

Last updated: 16.06.2021

 

Honoring on guarantees by banking group

 Number of creditsAverage amount in CHFTotal in CHFShare of the total
honoured volume
Big banks *829101'38184'044'73944%
Cantonal banks51082'17141'825'13522%
Raiffeisen banks29481'45723'948'34913%
PostFinance46663'06729'326'03215%
Other banking institutions17570'54812'345'8246%
Total2'27484'283191'490'079100%

* Credit Suisse and UBS

Last updated: 16.06.2021

Further analyses

The following charts illustrate distributions of Covid-19 bridging credits for a selected specification, for example by canton or by industry. These visualizations serve to provide background information and are based on data from the guarantee organizations. In order to exclude any conclusions about individual companies and to guarantee their anonymity, only aggregated data can be made available. Due to rounding, it is possible that the sum of the shares may not be 100%.

Status: 26.08.2020

Data as CSV-File

Figures as PDF-File

Graphic for download: Number of credits by canton [png]

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Graphic for download: Credit volume by canton [png]

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Graphic for download: Number of credits by banking group [png]

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Graphic for download: Credit volume by banking group [png]

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Graphic for download: Top 10 banks by number of credits [png]

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Graphic for download: Top 10 banks by credit volume [png]

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Graphic for download: Number of credits by group of economic activities (NOGA section) [png]

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Graphic for download: Credit volume by group of economic activities (NOGA section) [png]

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Graphic for download: Top 10 sectors (NOGA division) by numbers of credits [png]

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Graphic for download: Top 10 sectors (NOGA division) by credit volume (in CHF m) [png]

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Graphic for download: Number of credits by legal form of the company [png]

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Graphic for download: Credit volume by legal form of the company [png]

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Graphic for download: Average credit amount by legal form of the company [png]

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Graphic for download: Number of credits by company size (FTE) [png]

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Graphic for download: Credit volume by company size (FTE) [png]

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Graphic for download: Number of guaranteed credits by guarantee organisation [png]

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Graphic for download: Guaranteed credit volume by guarantee organisation [png]

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Reports of abuse

The table below contains potential and actual cases of abuse under the Covid-19-Solidarbürgschaftsverordnung (in German) and the Covid-19-Solidarbürgschaftsgesetz (in German). Here you find the concept for the detection and prevention of abuse (in German). The statistics show the cases of which the loan guarantee cooperatives are aware, either because they have filed a criminal complaint themselves or because they have been informed about them by third parties. They are not complete with regard to criminal charges of which the loan guarantee cooperatives are not aware. The statistics are updated on an ongoing basis.

Types of abuse
(all types according to the ordinance)
In clarificationAbuse not confirmedCorrection without filing of criminal complaint
Criminal complaint filed*
Open casesClosed cases
NumberDelinquency amount**NumberDelinquency amount**
Multiple applications (Art. 3, para. 1)4210020885CHF 16'894'56414CHF 853'385
Date of foundation (Art. 3, para. 1, a.)5111416711CHF 1'248'0005CHF 144'100
In bankruptcy, estate or liquidation (Art. 3, para. 1, b.)3861217CHF 1'100'8595CHF 1'098'500
Sales information (Art. 7, para. 1)2'402197643134CHF 25'973'0714CHF 1'569'885
Support for other emergency regulations (Art. 3, para. 1, d.)0020000
Use of credit in general and replacement investments (Art. 6, para. 1 und 2)16404050569CHF 65'592'76376CHF 6'617'801
Use of credit dividends, refinancing, etc. (Art. 6, para. 3)24242251'30817CHF 4‘433'6956CHF 1'330'000
Others791437174CHF 19'797'67515CHF 1'752'598
Total3'6766962'4271'007CHF 135'040'633135CHF 13'366'269

*Including criminal complaints from third parties of which the loan guarantee cooperatives are aware.

**The reported delinquency amount corresponds to the volume of credits at the time they were granted. No account is taken of whether losses have effectively been incurred.

1 As of the commencement of the Covid-19-Solidarbürgschaftsgesetz (Covid-19-SBüG) (in German) on December 19, 2020, the prohibition to carry out new investments in fixed assets that are not replacement investments has been lifted (cf. Art. 27 para. 2 Covid-19-SBüG).

2 As of the commencement of the Covid-19-SBüG on December 19, 2020, already the decision on the payment of dividends is unlawful (cf. Art. 2 para. 2 lit. a Covid-19-SBüG and Official Bulletin: AB 2020 N 2040 of October 30, 2020, and AB 2020 S 1314 f. of December 10, 2020).

Last updated: 16.06.2021

In addition, the statistics from the Money Laundering Reporting Office (MROS) show all a) reports according to the Money Laundering Act or the Criminal Code, as well as b) the number of complaints filed by MROS with law enforcement agencies (according to Art. 23 para. 4 Money Laundering Act) . The MROS statistics can show cases that are also included in the above table of abuse reports.

Open cases after criminal complaint per canton

The following table shows the open cases after criminal complaints have been filed of which the loan guarantee cooperatives are aware, either because they filed the criminal complaints themselves or because they were informed about them by third parties. It is not complete with regard to criminal complaints of which the loan guarantee cooperatives have no knowledge. The statistics are updated on an ongoing basis.

CantonCriminal complaint filed: open cases*
NumberDelinquency amount**
AG87CHF 11'457'607
AI00
AR9CHF 527'955
BE74CHF 6'788'034
BL33CHF 4'118'187
BS33CHF 5'224'797
FR23CHF 2'949'975
GE102CHF 13'617'309
GL2CHF 1'000'000
GR16CHF 1'396'000
JU3CHF 181'000
LU34CHF 7'736'140
NE8CHF 1'186'590
NW7CHF 1'532'900
OW3CHF 490'355
SG34CHF 2'819'988
SH6CHF 1'172'000
SO19CHF 1'887'778
SZ27CHF 3'723'846
TG16CHF 1'864'000
TI110CHF 12'153'090
UR5CHF 219'640
VD113CHF 17'423'574
VS26CHF 1'999'594
ZG39CHF 8'176'656
ZH178CHF 25'273'618
Total1'007CHF 135'040'633

*Including criminal complaints filed by third parties of which the loan guarantee cooperatives are aware.

**The reported delinquency amount corresponds to the volume of credits at the time they were granted. No account is taken of whether losses have effectively been incurred.

Last updated: 16.06.2021

Closed cases after criminal complaint

The table below shows the closed cases following a criminal complaint of which the loan guarantee cooperatives are aware, either because they filed the criminal complaints themselves or because they have been informed about them by third parties. It is not complete with regard to criminal complaints of which the loan guarantee cooperatives have no knowledge. The statistics are updated on an ongoing basis.

Types of abuse
(all types according to the ordinance)
No criminal proceedings:
Non-prosecution
Criminal proceedings closed
InnocentReparationGuilty
NumberNumberDelinquency amount*NumberDelinquency amount*
Multiple applications (Art. 3, para. 1)022CHF 22'40010CHF 784'000
Date of foundation (Art. 3, para. 1, a.)02003CHF 99'100
In bankruptcy, estate or liquidation (Art. 3, para. 1, b.)121CHF 20'0001CHF 30'000
Sales information (Art. 7, para. 1)224CHF 428'0006CHF 491'285
Support for other emergency regulations (Art. 3, para. 1, d.)000000
Use of credit in general and replacement investments (Art. 6, para. 1 und 2)151817CHF 1'915'78636CHF 2'419'715
Use of credit dividends, refinancing, etc. (Art. 6, para. 3)2021CHF 240'0003CHF 830'000
Others134CHF 1'038'1247CHF 441'774
Total93129CHF 3'664'31066CHF 5'095'874

*The reported delinquency amount corresponds to the volume of credits at the time they were granted. No account is taken of whether losses have effectively been incurred.

1 As of the commencement of the Covid-19-Solidarbürgschaftsgesetz (Covid-19-SBüG) (in German) on December 19, 2020, the prohibition to carry out new investments in fixed assets that are not replacement investments has been lifted (cf. Art. 27 para. 2 Covid-19-SBüG).

2 As of the commencement of the Covid-19-SBüG on December 19, 2020, already the decision on the payment of dividends is unlawful (cf. Art. 2 para. 2 lit. a Covid-19-SBüG and Official Bulletin: AB 2020 N 2040 of October 30, 2020, and AB 2020 S 1314 f. of December 10, 2020).

Last updated: 16.06.2021

Banks: Participation list, documents and information

Here is a list of the 125 banks that have granted Covid-19 loans.

Bank-specific documents:

Bank-specific information:

Parliamentary initiatives

The following table shows the parliamentary initiatives related to the Covid-19 bridging credits program.

Type of initiativeSubmitted byDate of submissionTitle of the initiative (only in German)
Question for Question TimeMrs. Daniela Schneeberger (FDP)09.06.2021Präzisierung von Art. 2.6 des Solidarbürgschaftsgesetzes (21.7556)
Question for Question TimeMrs. Doris Fiala (FDP)08.06.2021Keine Behinderung von Umstrukturierungen durch Covid-19-Solidarbürgschaftsgesetz (21.7545)
Question for Question TimeMrs. Daniela Schneeberger (FDP)02.06.2021Rechtssicherheit von Umstrukturierungen durch Covid-19-Solidarbürgschaftsgesetz (21.7484)

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