Covid-19 credits

The Federal Council and Parliament have provided companies in Switzerland with liquidity relief in order to help with the economic consequences of the coronavirus.

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 able to take advantage of bridging credits guaranteed by the federal government between March 26th and July 31st.


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 agreements136'554102'00013'900 Mio.*
COVID-19 credit plus1'1302.7 Mio.**3'008 Mio.**
Total137'68416'908 Mio.

* Extrapolation from number of credit agreements and average amount

** The amount stated concerns the entire credit amount and not just the 85% guaranteed by the Swiss Confederation

Figures may vary due to legal provisions (Article 11(1) of the COVID-19 Joint and Several Ordinance (COVID-19-Solidarbürgschaftsverordnung)) and as a result of adjustments made after the submission deadline has passed.

Last updated: 03.03.2021

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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Repaid COVID-19 bridging credits

The table below shows the COVID-19 bridging credits fully repaid by the borrowers. The statistics include the cases of which the organisations have knowledge because they were informed by the banks. It is not exhaustive with regard to those repayments that have already been made without information to the guarantee organisations.

 NumberTotal in CHF
Total7'5841'572'181'037

Last updated: 03.03.2021

Honoring on guarantees under the COVID-19 bridging credits

The following table provides information on the honoring of guarantees under the COVID-19 bridging loan programme. These are COVID-19 loans for which the bank has drawn down the guarantee and thus transferred the claim against the borrower to the guarantee organisations.

 NumberAverage amount in CHFTotal in CHF
Total1'42279'818113'421'785

Last updated: 03.03.2021

Further analyses

The following figures illustrate distributions of COVID-19 bridging credits for companies. They serve to provide background information and are updated at irregular intervals. The figures may therefore differ from the daily actual figures. These visualizations 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 Verordnung zur Gewährung von Krediten und Solidarbürgschaften infolge des Coronavirus and the Bundesgesetz über Kredite mit Solidarbürgschaft infolge des Coronavirus (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)3910220590CHF 16'200'2507CHF 600'100
Date of foundation (Art. 3, para. 1, a.)481111629CHF 853'5002CHF 80'600
In bankruptcy, estate or liquidation (Art. 3, para. 1, b.)3941114CHF 1'103'3594CHF 675'000
Sales information (Art. 7, para. 1)2'73415735397CHF 17'113'4465CHF 290'000
Support for other emergency regulations (Art. 3, para. 1, d.)1000000
Use of credit in general and replacement investments (Art. 6, para. 1 und 2)13941727420CHF 53'720'67835CHF 2'689'401
Use of credit dividends, refinancing, etc. (Art. 6, para. 3)230118976119CHF 4'720'6951CHF 248'000
Others451325136CHF 17'405'7534CHF 112'800
Total3'6015931'544785CHF 111'117'68158CHF 4'695'901

*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: 05.03.2021

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 procedures that are also included in the above table of abuse reports.

Open cases after criminal complaint per canton

The statistics show 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. They are 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**
AG64CHF 8'299'092
AI00
AR12CHF 1'226'700
BE68CHF 6'164'062
BL23CHF 3'411'387
BS23CHF 4'007'997
FR13CHF 2'164'400
GE64CHF 9'010'036
GL2CHF 1'000'000
GR12CHF 1'208'000
JU3CHF 181'000
LU32CHF 6'314'040
NE5CHF 273'975
NW6CHF 1'112'900
OW4CHF 550'355
SG28CHF 2'315'506
SH5CHF 1'124'000
SO17CHF 2'049'063
SZ25CHF 3'620'846
TG11CHF 1'802'000
TI90CHF 10'347'225
UR5CHF 219'640
VD84CHF 14'240'079
VS16CHF 1'489'894
ZG27CHF 6'379'259
ZH146CHF 22'606'225
Total785CHF 111'117'681

*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: 05.03.2021

Closed cases after criminal complaint

The statistics below show 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. They are 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)011CHF 6'5005CHF 568'600
Date of foundation (Art. 3, para. 1, a.)00002CHF 80'600
In bankruptcy, estate or liquidation (Art. 3, para. 1, b.)021CHF 20'0001CHF 30'000
Sales information (Art. 7, para. 1)01004CHF 245'000
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)1286CHF 277'62419CHF 1'298'477
Use of credit dividends, refinancing, etc. (Art. 6, para. 3)2010000
Others011CHF 10'8002CHF 95'000
Total2149CHF 314'92433CHF 2'317'677

*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: 05.03.2021

Participating banks

There are 124 banks participating in the COVID 19 programme.

To the banks

Media contact

medien@seco.admin.ch