Balance sheet

Assets

in CHF 1,000 (Art. 24b FL-BankV)	31/12/2013	31/12/2012	Variance absolute	Variance in %
Cash balances	1,256,071	858,321	397,750	46.3
Public-sector debt instruments and bills of exchange eligible for refinancing at central banks	0	0	0	0.0
• public-sector debt instruments and similar securities	0	0	0	0.0
Due from banks	3,160,531	3,758,551	–598,020	–15.9
• maturing daily	778,733	725,683	53,050	7.3
• other receivables	2,381,798	3,032,868	–651,070	–21.5
Due from customers	3,256,268	3,108,535	147,733	4.8
of which mortgage receivables	2,583,181	2,440,453	142,728	5.8
Debentures and other interest-bearing securities	1,009,995	779,666	230,329	29.5
• money-market paper	0	0	0	0.0
• from public-sector issuers	0	0	0	0.0
• from other issuers	0	0	0	0.0
• debt securities	1,009,995	779,666	230,329	29.5
• from public-sector issuers	322,131	103,682	218,449	210.7
• from other issuers	687,864	675,984	11,880	1.8
Equity shares and other non-interest-bearing securities	69,124	68,597	527	0.8
Participations	127	127	0	0.0
Shares in affiliated companies	110,435	97,304	13,131	13.5
Intangible assets	18,990	29,779	–10,789	–36.2
Property and equipment	111,286	115,315	–4,029	–3.5
Treasury shares	10,771	8,711	2,060	23.6
Other assets	47,282	66,989	–19,707	–29.4
Accrued receivables and prepaid expenses	15,745	19,600	–3,855	–19.7
Total assets	9,066,625	8,911,495	155,130	1.7

Total liabilities and shareholders’ equity

in CHF 1,000 (Art. 24b FL-BankV)	31/12/2013	31/12/2012	Variance absolute	Variance in %
Due to banks	1,238,343	1,158,343	80,000	6.9
• maturing daily	1,111,737	887,863	223,874	25.2
• with agreed duration or term of notice	126,606	270,480	–143,874	–53.2
Due to customers	6,511,147	6,418,676	92,471	1.4
• savings deposits	877,172	857,889	19,283	2.2
• other liabilities	5,633,975	5,560,787	73,188	1.3
• maturing daily	5,274,477	5,184,466	90,011	1.7
• with agreed duration or term of notice	359,498	376,321	–16,823	–4.5
Securitised liabilities	445,722	487,870	–42,148	–8.6
• issued debentures	445,722	487,870	–42,148	–8.6
of which medium-term notes	245,722	287,870	–42,148	–14.6
Other liabilities	80,818	84,381	–3,563	–4.2
Accrued liabilities and deferred items	14,589	16,769	–2,180	–13.0
Provisions	13,926	10,088	3,838	38.0
• tax provisions	600	100	500	n.a.
• other provisions	13,326	9,988	3,338	33.4
Provisions for general banking risks	63,150	63,150	0	0.0
Subscribed capital	59,148	59,148	0	0.0
Income reserves	583,889	583,591	298	0.1
• legal reserves	239,800	239,800	0	0.0
• reserve for treasury shares and stock	10,771	8,711	2,060	23.6
• other reserves	333,318	335,080	–1,762	–0.5
Retained earnings brought forward	14,692	7,592	7,100	93.5
Net income for the year	41,201	21,887	19,314	88.2
Total liabilities and shareholders’ equity	9,066,625	8,911,495	155,130	1.7

Off-balance-sheet items

in CHF 1,000 (Art. 24b FL-BankV)	31/12/2013	31/12/2012	Variance absolute	Variance in %
Contingent liabilities	58,011	74,800	–16,789	–22.4
Credit risks	29,524	27,801	1,723	6.2
• irrevocable facilities granted	29,524	27,801	1,723	6.2

Derivative financial instruments
• positive replacement values	29,660	35,003	–5,343	–15.3
• negative replacement values	46,462	66,253	–19,791	–29.9
• contract volumes	4,227,731	3,540,787	686,944	19.4
Fiduciary transactions	558,580	841,195	–282,615	–33.6

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