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Masters Program in Banking and Finance
From Theory to Practice
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WELCOME
Welcome to the Master's Program inBanking and Finance - MBF!
The MBF program of the University of St.Gallen is a
high-quality Masters program that prepares you for a
successful career start with banks, insurance companies,
consulting agencies and the nance departments of non-
nancial corporations. Our graduates take up jobs in
private banking, asset management, investment banking
and risk management, among others, in Switzerland and
abroad. The MBF program also opens doors for further
academic studies, such as a PhD program.
The MBF is equally focused on theory and application.
We are convinced that sound theoretical and method-
ological fundamentals are essential for a higher education
in nance. In addition, we support our students in the
application process and enable them to ask the relevant
questions in everyday work. The content of the MBF pro-
gram is considered to be highly relevant to the program
partnership with the CFA program, and our placement
record proves this.
The MBF program has a clear and exible structure. All
three compulsory courses Financial Markets, Financial
Institutions and Quantitative Methods take place in the
rst semester and provide a solid basis for the core elec-
tives in the second and the third semesters.
The choice of elective courses is wide, with subjec
ranging from quantitative topics (Computational Fi
to specic instruments (Interest Rates and Energy D
tives) to asset management (Private Equity or Beha
Finance) and to corporate nance (Corporate Finan
Management or Management of Insurance Compa
All of our students write a research-based Master
sis and participate in a research seminar.
The University of St.Gallen is EQUIS and AACSB
accredited and is consistently ranked among the to
business schools in Europe. With its 5th place in th
Financial TimesGlobal Masters in Finance Ranking
the MBF program is ranked among the top nance
programs in the world. Located close to Zurich in
heart of Europe, St.Gallen offers a connection to an
international nancial center as well as various lei
opportunities nearby. In addition, we are able to o
truly international experience with our diverse fac
as well as exchange opportunities in our network o
more than 150 partner universities.
We look forward to welcoming you in the MBF
program soon.
Prof. Dr. Manuel Ammann
Academic Director of MBF
Prof. Dr. Rico von Wyss
Executive Director of MBFProf. Dr. Manuel Ammann and Prof. Dr. Rico von Wyss
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CONTENT
Why an MBF Masters Degree?..................................
The Program ...................................................................
Subject Tracks .................................................................
Faculty ...............................................................................
Internationality...............................................................
Career Perspectives......................................................
Career Services ..............................................................
Sponsorship .....................................................................
Events................................................................................
Alumni ..............................................................................
Admission Process .........................................................
Academic Calendar ........................................................
Studying at HSG.............................................................
Financial Information .....................................................
Living in Switzerland ......................................................
Living in St.Gallen ...........................................................
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For more information visit: www.mbf.unisg.chOr contact us at:mbf@unisg.ch
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WHY A MASTER'S IN BANKING AND FINANCE?
MBF at a Glance
A challenging experience with a rigorous curriculum, the Masters in Banking and Finance (MBF) program is one of
the leading international nance programs. In the elds of nancial markets, nancial institutions, corporate nance
and quantitative nance, the program offers high-quality education in both theory and application. It is designed to
train our students in the critical reection of the different concepts and approaches used in nancial theory and practice
The high quality in teaching and education was conrmed by the Financial TimesGlobal Masters in Finance Ranking
2012 (5th place among more than 200 business schools ranked worldwide).
Prole: Class of 2013 Class size: 130 Average age: 24 Average scores: GMAT - 710 points / GRE - 790 points Gender
Nationalities represented: 31 International students: 47%
Snapshot Start: Fall Semester (mid-September)
Duration: 90 ECTS. Full-time program withtime to completion of 3 semesters
Language: English (few additional German lectures Degree: Master of Arts (M.A. HSG) inBanking and Finance
Tuition fees: Swiss Nationals: CHF 1,226All Others: CHF 2,126 per semester
Financial Times RankingThe MBF program is ranked 5th place in the
Financial TimesGlobal Masters in Finance
Ranking 2012. Per criteria the MBF is ranked:
#1 for "Aims Achieved" #1 for "Employed at Three Months"
#2 for "Value for Money" #2 for "Placement Success"
Male - 75%
Female - 25%
Historical Stats Job offers before graduation: 2.2 Average starting wage: CHF 97,000
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Olga KozjukovaMBF Student
The MBF is great for students who are interested in a nance-related career because of
its excellent reputation and the high quality of the teaching faculty. Beyond its outstanding
content, the MBF offers various interactions with companies and MBF alumni. I especially
appreciate the opportunity to participate in international programs, which allows for
valuable experiences.
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THE PROGRAM
SEMESTER 3
CORE STUDIES CONTEXTUAL STUD
SEMESTER 2
SEMESTER 1
Com
pulsory
Subje
cts(15ECTS)
Core
Electives(27ECTS)
Masters
Thesis(18ECTS)
Indep
endent
Electives(12ECTS)
Leadership
Skills
(3-9ECTS)
Critic
alThinking&
Cultu
ralAwareness
(9-15
ECTS)
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Viriya PlodpliewMBF Student
One of the biggest advantages of the Master's in Banking and Finance
program in St.Gallen is the freedom of choice from a broad range of courses.You might pick lectures and research seminars from four different tracks,
but there is also the possibility of a highly-focused study track. I also
appreciate the great variety of practical classes where you learn how to
deal with real-life problems.
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SUBJECT TRAC
Alternative Investments Behavioural Finance
Commodity Markets Derivatives
Empirical Real Estate Finance Energy Finance Fixed Income Instruments
Institutional AssetManagement
International Finance Market Microstructure
Pension Finance Private Equity Real Estate Finance
Asset LiabilityManagement
Commercial Banking Financial Institution
Management Financial Regulation &Risk Management
Household Finance &Consumer Credit
Insurance Operations
Investment Banki Monetary Policy Financial Market
Private Banking &
Wealth Managem Public DebtManagement
Theory of Risk &Insurance
Asset Pricing & PortfolioChoice
Computational Finance Financial Econometrics Financial Modeling
Workshop: Asset Alloc.
Financial ModelingWorkshop: Derivatives
Financial Risk Management
Mathematics & St Quantitative Aspe
Financial Regulat
Quantitative PortfManagement
Time Series Econo
Advanced CorporateFinance
Applied CorporateValuation
Corporate FinancialManagement
Corporate Governance
Ethics of FinancialServices
Mergers & Acquisitions
There are four possible tracks within the MBF program from which you might choose core elective courses according to
your preferences. These tracks are just a suggestion how you might organize your MBF studies. You are able to switch fr
between the different tracks.
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FACULTY
Prof. Dr. Manuel AmmannProfessor of Finance,
Academic Director of the MBF
Prof. Dr. Andreas GrnerAdjunctProfessor of Corporat
Prof. Dr. Martin ElingProfessor of Insurance
Prof. Dr. Francesco AudrinoProfessor of Statistics
Prof. Dr. Christian KeuscProfessor of Public Finance
Prof. Dr. Andreas KckAssistant Professor of Finance
Prof. Dr. Martin BrownProfessor of Banking
Prof. Dr. Marc Arnold
AssistantProfessor of Corporate Finance
Prof. Dr. Matthias Fengler
AssistantProfessor of Financial Econometrics
Prof. Dr. Karl FrauendorfProfessor of Operations Resear
Prof. Dr. Roland FssProfessor of Real Estate Financ
Prof. Dr. Stefan Morktte
AssistantProfessor of Banking
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Prof. Dr. Angelo RanaldoProfessor of Systemic Risk
Prof. Dr. Florentina ParaschivAssistantProfessor of Computational Finance
Prof. Dr. David schAssistantProfessor of Finance
Prof. Dr. Hato SchmeiserProfessor of Insurance
Prof. Dr. Markus SchmidProfessor of Corporate Finance
Prof. Dr. Paul SderlindProfessor of Finance
Prof. Dr. Rico von WyssAssistant Professor of Finance
Prof. Dr. Stephan SssAssistantProfessor of Finance
For more information on our faculty membewww.mbf.unisg.ch
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The University of St.Gallen (HSG) encourages and enables its students to supplement their academic curriculum
with international experience. Double degrees, exchange programs, students from all over the world, an international
faculty, internationally orientated curriculum and networks give students the opportunity to experience foreign
cultures and perspectives at rst hand.
INTERNATIONALITY
International students and faculty
Double-degree Programs: ESADE, Barcelona, Spain HEC, Paris, France RSM Erasmus University, Rotterdam, Netherlands Universit Commerciale Luigi Bocconi,Milan, Italy FGV, Fundaaozv Getulio Vargas, So Paulo, Brazil
of the faculty come from abroad.
The MBF has visiting professors from
well-known universities from aroun
the globe:
Prof. Yakov Amihud, PhDStern School of Business, New York U
Prof. Harrison Hong, PhDPrinceton University
Prof. David Yermack, PhD Stern School of Business, New York U
of MBF students come
from 80 different nations.
48%34%
principle for Double-degree Programs:
1 year at HSG 1 year at guest university 60 credits from HSG 60 credits from guest university 10 credits for the Masters thesis from HSG 10 credits from the guest university
50/50
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Beijing University, Beijing, China Duke University, Durham, USA Hitotsubashi University, Tokyo, Japan Fundaao Getulio Vargas,So Paulo, Brazil Fudan University, Shanghai, China Kellogg School of Management, Evanston, USA LSE, London, United Kingdom Melbourne Business School (University of Melbourne),
Melbourne, Australia
International exchange programs (a selection):MBF students are offered an opportunity to participate in exchange programs with 150 partner universities worldwide:
Nanyang Technological University, Singapore NYU Stern, New York, USA Queens University, Ontario, Canada Universidad del Pacico, Lima, Peru University of California - The Anderson School,Los Angeles, CA, USA
Booth School of Business, Chicago, USA Tsinghua University, Beijing, China
Networks: The Global Alliance in Management Education(CEMS)
Partnership in International Management(PIM) Association of Professional Schools of InternationalAffairs (APSIA)
The HSG supports internationalnetworking with: Hubs in Singapore and So Paulo Asia Research Center The Sino-Swiss Management Training Program Centro Latinoamericano-Suizo de la Universidadde San Gallen
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CAREER PERSPECTIVES
Labor Market The labor market puts a premium on HSG degrees.On average, graduates are able to choose from
2.2 job offers.
Search for employment: 100%of graduateshave a job offer 3 months after graduation.
The average salary of the rst permanent job forholders of a Masters degree is CHF 97,000.
The quota of HSG alumni in Swiss top managementis outstanding. The HSG has the greatest placing
power in Business Administration.
(Source: Graduate Survey Report, 2010, University of St.Gallen)
Recruiting Companies Bain Barclays Boston Consulting Group Clariden Leu Commerzbank Credit Suisse Deloitte Deutsche Bank EFG Financial Products Ernst & Young Goldman Sachs HSBC HSG Johnson & Johnson J.P. Morgan Julius Br LGT KPMG
Maxwell Lync McKinsey Morgan Stanley Nestl Nomura Oliver Wyman Partners Group Pensimo Management PriceWaterhouseCoopers RBC Dexia Roland Berger Royal Bank of Scotland Sal. Oppenheim SAM Private Equity Shilk Swiss Re UBS Unicredit Bank
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SWITZERLAND80%
ENGLAND6% RUSS
1%GERMANY9%
AUSTRIA2%
LIECHTENSTEIN2%
20092011 MBF Graduate Job Placement
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I chose the Master in Banking and Finance program due to
its rigorous standards in education. Combining theory with
practice is one of the main strengths of the MBF and has
provided me with a set of skills valuable in my everyday work
as a consultant. The MBF is more than just a program: it
offered a unique insight into diversity and interpersonal
skills and thereby prepared me in the best possible way for
the job market.
Vincent AebiMcKinsey & Company
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CAREER SERVIC
It pays to plan your career early on. The clearer
you are about your competencies, values, interests
and goals, the more focused you can be when
developing job ideas, researching job opportunities,
making contacts, using various offers on campus
and discussing your career-related questions
with company representatives.
The experts of the Career Services Center support
you in different stages of your career planning from
taking stock of your career and doing research (Assess)
to setting goals and applying for jobs (Act) to starting
your job and further developing your career (Achieve).
Furthermore, we assist you with specic information
about the work permit regulations in Switzerland
for your respective nationality. While international
students can work part-time during their studies,
the regulation foresees a priority to Swiss and EU
nationals after graduation. The Career Management
Team would be glad to speak to you to move you
closer to your career objectives.
Manage your career with us
Career Management International Students
Career Services Center (CSC-HSG)
University of St.Gallen (HSG)
Dufourstrasse 50
CH-9000 St.Gallen
Phone: +41 (0)71 224 29 23
E-Mail: csc@unisg.ch
www.csc.unisg.ch
Our Career Management Services at a G
Career CounsellingOne-on-one assistance on all career related topics
Career EventsHSG TALENTS Business Insights, seminars,
workshops and training on career related topics
Recruiting Events
HSG TALENTS Conference HSG TALENTS Banking Days HSG TALENTS Online: CV publication, event sigjobs and internship postings, company proles,
newsletter subscription
Career Management HandbookConsolidated know-how and practical support for
career planning process
Career LibraryCareer Management literature
HSG Career Event
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Industry PartnersThe MBF is in close contact with its industry partn
in order to maintain and guarantee a solid founda
in practice.
The MBF encourages the exchange between stude
faculty and the nancial industry. The Partners o
the MBF guarantee an early contact with potentia
employers and support the MBF in many ways. Ou
industrial partners award fellowships for the best
students entering the program. At the end of the
program they award prizes.
Thanks to their ongoing support, the MBF is able t
invite professors from internationally renowned u
sities on a regular basis (e.g. Prof. Yakov Amihud,
School of Business, New York University; Prof. Ha
Hong, Princeton University). Doing internships an
laborating with the nancial industry when writin
Masters thesis is simplied thanks to the Partner
the MBF.
Cooperation with CFA InstituteThe MBF program is an ofcial
Program Partners of the CFA Institute,
which acknowledges that the MBF program cover
more than 70% of the candidate body of knowledg
all three levels of the CFA program. Additionally,
partnership enables the MBF to award CFA fellow
each year to ve outstanding MBF students who e
on the program.
SPONSORSHIP
UBS, Zurich
Deutsche Bank, Frankfurt
Credit Suisse, Zurich
Zrcher Kantonalbank
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EVEN
MBF Graduation: Jeanette Rusch from UBS, Martin Be
(best Master thesis), Stefanie Hasse (best MBF degree
and Prof. Dr. Manuel Ammann
MBF-Apero
Prof. Dr. Manuel Ammann & Dr. Patrick Raaaub
(Director FINMA) at the MBF start event
MBF Graduation
Prof. Dr. Manuel Ammann handing out a fellowshipA dinner event in Zurich after visiting a trading oor
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Christoph DoebeltMBF Student
The Master's in Banking and Finance is a great program because it offers
a broad range of lectures and seminars and because it allows us to design
our individual curriculum accordingto our interests. The program fosters
the exchange between students, faculty, and nancial institutions. This
guarantees a focus of our lectures on practitioners' needs and leads to an
optimal preparation for a professional career.
0
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MBF ALUM
HSG Alumni is the ofcial organization of former
students of the University of St.Gallen. With more than
19,000 members and 100 Alumni Clubs on 5 continents,
it is one of Europes leading associations of this type.
It reinforces the alumnis lifelong bondswith the
University, as well as the networks among its members,
by means of numerous events and information
platforms, www.alumni.unisg.ch.
MBF AlumniThe MBF Alumni association builds a closer network
within the HSG alumni
Knowledge transfer to and from the program Additional access to the job market Regular meetings in Zrich, London, and New York
President's Welcome
Prof. Dr. Markus MenzPresident, MBF Alumni
The knowledge acquired in lectures such
Derivatives, Corporate Financial Mana
and Pension Finance affects essential pa
of my daily business. I am convinced th
conceptual content of the lessons taugh
HSG is absolutely in step with current p
I am glad that I was able to enjoy such a
effective education.
Danielle BrasselAssociate, Aeris Capital AG
As a graduate of the MBF Program
you will be entitled to join the MBF
Alumni Club. The MBF Alumni
Club was founded by the rst MBF
graduates in May 2006. Since then,
it has continuously grown and today
has about 200 members. The club
organizes various activities such
as monthly lunch and dinner events in Zurich. This
exclusive network of HSG graduates working in banking
and nance or in closely related sectors has proven to
be very valuable for our members, particularly during
the recent nancial crisis. We invite you to join our
club following your graduation!
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MBF admission requirements Bachelor degree in Business or Economics GMAT (> 680) or GRE (> 160) Proof of prociency in English Motivation letter CV
Admission to the MBF with at least
Deadline April 30th
ADMISSION PROCESS
Admission criteria Score
GMAT or equivalent GRE
(e.g. 680 is 35 pts)
50
GPA of previous degree
(e.g. Bachelor)
30
Motivation Letter 10
Extracurricular activities,
exchange semester, etc.
15
Total possible admission score 105
8
Visit MBF admissions online at:www.admissions.unisg.ch
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ACADEMIC CALEND
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV
Semester Mid-Semester break
Apply
Break
Break
Break
2Semester
Semester holidays
nd
3Semester
rd
1Semester
st
Fall Semester Spring Semester
Application
Deadline
April 30th
Start of
Semester
calendar week 38 calendar week 8
Mid-semester
break
calendar weeks 44/45 calendar weeks 14/15
End of semester calendar week 51 calendar week 21
Please note, the mid-semester breaks may
be reserved for special seminars.
University's Open DayEach semester, the University organi
two open days for prospective Maste
students. Dates are published on our
homepage: www.infotag.unisg.ch
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Graduate School of Business, Economics,Law and Social SciencesSince its founding in 1898, the education and training
offered by the University of St.Gallen have been
characterized by a close afnity to the working world
and an integrative approach. We currently educate
more than 5,000 students in business administration,
economics, law, and the social sciences. According to
current rankings, the HSG is one of Europes leading
business universities. Its holistic education of the
highest academic standards has earned it the EQUIS
and AACSB accreditations by way of an international
seal of approval. The HSG aims to develop students
both in professional and personal areas by providing
them with an education along humanist lines. Its
international orientation is strengthened by students
and faculty coming from all continents, 150 partner
universities and membership in international networks.
ResearchResearch at the University of St.Gallen is centered around
30 institutes and research centers, which are an integral
part of the University. All institute directors are simul-
taneously also HSG professors. By combining theory
with practice, the institutes provide an important input
for teaching at the University and play a signicant role
in furthering the careers of young academics. Our 80
tenured professors, 60 assistant professors and senior
lecturers, more than 300 lecturers and 300 assistants,
as well as distinguished visiting professors, nurture
the scientic discourse with our students.
STUDYING AT THE UNIVERSITY OF ST.GALLEN - HSG
Unique Academic StructureThe HSGs course structure consists of three pillar
and three levels. The three levels are the Assessme
Level, the Bachelors Level and the Masters Level.
addition to these three academic levels, courses be
to one of three didactic, subject-related pillars: con
studies, independent studies and contextual studi
With this model, the University of St.Gallen satis
the demands of society and the economy for gradu
with intellectual exibility and intercultural qualic
Contact StudiesContact studies consist of lectures and seminars
in small groups. Students attend program specic
compulsory courses, core electives and independe
electives. Independent electives may be selected fr
the students own Masters program or from other
programs. Thus students have the opportunity to
acquire further knowledge in additional elds
of interest.
Independent StudiesIndependent studies place emphasis on students'
personal responsibilities, and are supported by
electronic resources. In terms of subject matter,
they complement contact studies.
Contextual StudiesContextual studies consist of courses in the areas o
cultural awareness, leadership skills and critical thi
They supplement specialized education with oppo
tunities for well-founded and broad-based person
development.
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FINANCIAL INFORMATI
TravelingIn Switzerland, traveling by public transport is ver
convenient and encouraged. Students are advised
obtain the Swiss Federal Railway Half-Fare travelc
in order to save 50% on all tickets. It is available fo
CHF 165 and valid for one year.
ScholarshipsThe Swiss State Secretariat for Education and Rese
offers scholarships to students from abroad based
performance and study objectives.
FellowshipsEvery fall the MBF awards fellowships to the ten
best new entrants. These fellowships are intended
inspire students who have already an excellent rec
in university studies or professional life to attend t
MBF program. Moreover, the fellowships are mean
to provide an incentive for constantly good results
in the program.
Each of these fellowships amounts to CHF 5,000,
with CHF 2,000 being paid at the beginning of the
programme, CHF 3,000 after passing the compulso
course examinations with a minimum grade of 5.0
all of them. All students who have been admitted
MBF will be automatically considered for these fel
ships. The decision about awarding the fellowship
be communicated to the most successful applicant
the letter of admission.
Work-Study OpportunitiesAs an international student, you are allowed to wo
15 hours a week. The University and its institutes
regularly looking for students to do project work.
Students from outside the EU/EFTA area need a permit in order to work in Switzerland.
Living Costs in St.GallenThe University of St.Gallen recommends students to
budget 2,000-2,500 Swiss Francs (CHF) per month for
basic needs, including fees and study material.
Monthly expenses: Housing CHF 600 Living Expenses CHF 1,000 Health Insurance CHF 200
FeesSwitzerlands most important resource is its highly
skilled workforce. The country therefore invests in
excellent undergraduate and graduate education at
its universities that is highly subsidized by the state.
Thus the University of St.Gallen is in the convenient
situation to charge its students a fee of CHF 1,226
(Swiss nationals) and CHF 2,126 (all others) per
semester. Text books and other teaching material
are not included.
AccommodationPrices for accommodation vary greatly depending on
location, size, standard and amenities. In a typical
shared apartment the price for a single bedroom starts
at approx. CHF 400 per month. Rental prices for small
private studios range from CHF 600 upwards per month.
InsuranceStudents are required to obtain a Swiss health insurance
(unless granted an exemption by the Swiss authorities). The
costs are approximately CHF 200 per month.
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As a federal republic with a system of direct
democracy, Switzerland enjoys a high degree of
political stability. Its standing as a neutral country
allows it to play an important humanitarian role in
world affairs and to act as a mediator between
conicting parties. Switzerland is home to various
international organizations, such as the International
Committee of the Red Cross, the United Nations
and the World Trade Organization.
Switzerlands economy is based on a highly qualied
and skilled labor force. Swiss companies are extremely
competitive in the global markets. Whilst the best-
known export items include watches, chocolate and
cheese; mechanical and electrical engineering, as well
as the life sciences account for over half of Swiss export
revenues. Other signicant business areas include
consulting, banking, insurance and tourism.
Switzerland benets from political stability and a
ourishing economy which allow for a high standard
of living at affordable prices. Switzerlands international
reputation as a research center is beyond dispute.
LIVING IN SWITZERLAND
Highlights Switzerland has four national languages:German, French, Italian and Romansh
Large international population: 21% of people livin Switzerland are foreign nationals
One of the highest annual per capita GDPs worldUSD 54,466 (at current prices)
Very low unemployment rate: 3.2% (March 2012) Country ranked rst in the Travel and TourismCompetitiveness Report 2011
An increasingly large number of companies aremoving their European headquarters to Switzer
to take advantage of the favorable business and
living environment
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LIVING IN ST.GALL
St.Gallen offers its approximately 75,000 inhabitants
a historically unique old town with a great number of
shops, street cafs, bars and clubs. The Abbey District
with its baroque cathedral and the Abbey Library is a
UNESCO World Heritage site and thus of international
signicance.
Further cultural highlights are provided by perfor-
mances in the city theater, the concert hall and
the St.Gallen festivals, as well as by exhibitions in
numerous museums and private galleries. An event
that is particularly popular with many students is the
St.Gallen Open Air music festival, during which the
Sitter Valley is transformed into Switzerlands largest
tent city for three days.
The citys optimal situation between the Alps and
Lake Constance provides opportunities for various
leisure and sports activities, such as skiing, rock
climbing or sailing. St.Gallens Three Ponds are
only a few minutes walking distance from the city
center. These three small lakes situated on a hill on
the outskirts of the city serve as public swimming
pools in the summer and as ice rinks in cold winters.
The Peter and Paul Wildlife Park is situated close to
the University and is popular with students as an
idyllic setting for running or walking.
Settling in St.Gallen The Visa ProcessMost individuals who come to Switzerland to stud
must obtain a visa prior to entering the country.
Students from the EU/EFTA area, Japan, or Singap
do not need a visa and must only apply for a resid
permit. On average, visa applications take about e
weeks to process. Planning ahead is therefore essen
Students can apply for the visa as soon as they hav
received their letter of (conditional) acceptance fro
the University and secured nancing for their stu
For regular students it is preferable to be issued a
permit that can be renewed annually. All internat
applicants are provided with detailed information
concerning visa application by the university adminis
HousingThe University of St.Gallen does not offer on camp
housing. However, you can easily nd a place on y
own in St.Gallen over the internet. International
students receive support during the process and, u
request, are assigned a MBF buddy who can help t
St.Gallen offers a good selection of apartments, ro
in shared apartments (called Wohngemeinschaft o
and houses at varying prices.
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