Balance sheet
Assets | ||||
in CHF 1,000 (Art. 24b FL-BankV) | 31/12/2014 | 31/12/2013 | Variance | Variance |
Cash balances | 1,813,109 | 1,256,071 | 557,038 | 44.3 |
Public-sector debt instruments and bills of exchange eligible | 0 | 0 | 0 | 0.0 |
• public-sector debt instruments and similar securities | 0 | 0 | 0 | 0.0 |
Due from banks | 2,332,518 | 3,160,531 | –828,013 | –26.2 |
• maturing daily | 571,574 | 778,733 | –207,159 | –26.6 |
• other receivables | 1,760,944 | 2,381,798 | –620,854 | –26.1 |
Due from customers | 3,491,624 | 3,256,268 | 235,356 | 7.2 |
of which mortgage receivables | 2,711,638 | 2,583,181 | 128,457 | 5.0 |
Debentures and other interest-bearing securities | 1,268,652 | 1,009,995 | 258,657 | 25.6 |
• money-market papers | 0 | 0 | 0 | 0.0 |
• from public-sector issuers | 0 | 0 | 0 | 0.0 |
• from other issuers | 0 | 0 | 0 | 0.0 |
• debt securities | 1,268,652 | 1,009,995 | 258,657 | 25.6 |
• from public-sector issuers | 411,516 | 322,131 | 89,385 | 27.7 |
• from other issuers | 857,136 | 687,864 | 169,272 | 24.6 |
Equity shares and other non-interest-bearing securities | 69,140 | 69,124 | 16 | 0.0 |
Participations | 25 | 127 | –102 | –80.3 |
Shares in affiliated companies | 120,150 | 110,435 | 9,715 | 8.8 |
Intangible assets | 9,766 | 18,990 | –9,224 | –48.6 |
Property and equipment | 106,996 | 111,286 | –4,290 | –3.9 |
Treasury shares | 9,491 | 10,771 | –1,280 | –11.9 |
Other assets | 78,301 | 47,282 | 31,019 | 65.6 |
Accrued receivables and prepaid expenses | 15,857 | 15,745 | 112 | 0.7 |
Total assets | 9,315,629 | 9,066,625 | 249,004 | 2.7 |
Total liabilities and shareholders’ equity | ||||
in CHF 1,000 (Art. 24b FL-BankV) | 31/12/2014 | 31/12/2013 | Variance | Variance |
Due to banks | 1,269,600 | 1,238,343 | 31,257 | 2.5 |
• maturing daily | 1,040,785 | 1,111,737 | –70,952 | –6.4 |
• with agreed duration or term of notice | 228,815 | 126,606 | 102,209 | 80.7 |
Due to customers | 6,791,927 | 6,511,147 | 280,780 | 4.3 |
• savings deposits | 855,535 | 877,172 | –21,637 | –2.5 |
• other liabilities | 5,936,392 | 5,633,975 | 302,417 | 5.4 |
• maturing daily | 5,610,503 | 5,274,477 | 336,026 | 6.4 |
• with agreed duration or term of notice | 325,889 | 359,498 | –33,609 | –9.3 |
Securitised liabilities | 395,309 | 445,722 | –50,413 | –11.3 |
• issued debentures | 395,309 | 445,722 | –50,413 | –11.3 |
of which medium-term notes | 195,309 | 245,722 | –50,413 | –20.5 |
Other liabilities | 67,722 | 80,818 | –13,096 | –16.2 |
Accrued liabilities and deferred items | 13,476 | 14,589 | –1,113 | –7.6 |
Provisions | 15,094 | 13,926 | 1,168 | 8.4 |
• tax provisions | 700 | 600 | 100 | 16.7 |
• other provisions | 14,394 | 13,326 | 1,068 | 8.0 |
Provisions for general banking risks | 63,150 | 63,150 | 0 | 0.0 |
Subscribed capital | 59,148 | 59,148 | 0 | 0.0 |
Income reserves | 584,246 | 583,889 | 357 | 0.1 |
• legal reserves | 239,800 | 239,800 | 0 | 0.0 |
• reserve for treasury shares and stock | 9,491 | 10,771 | –1,280 | –11.9 |
• other reserves | 334,955 | 333,318 | 1,637 | 0.5 |
Retained earnings brought forward | 35,191 | 14,692 | 20,499 | 139.5 |
Net income for the year | 20,766 | 41,201 | –20,435 | –49.6 |
Total liabilities and shareholders’ equity | 9,315,629 | 9,066,625 | 249,004 | 2.7 |
Off-balance-sheet items | ||||
in CHF 1,000 (Art. 24b FL-BankV) | 31/12/2014 | 31/12/2013 | Variance | Variance |
Contingent liabilities | 52,850 | 58,011 | –5,161 | –8.9 |
Credit risks | 26,819 | 29,524 | –2,705 | –9.2 |
• irrevocable facilities granted | 26,819 | 29,524 | –2,705 | –9.2 |
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Derivative financial instruments |
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• positive replacement values | 48,845 | 29,660 | 19,185 | 64.7 |
• negative replacement values | 43,979 | 46,462 | –2,483 | –5.3 |
• contract volumes | 3,107,700 | 4,227,731 | –1,120,031 | –26.5 |
Fiduciary transactions | 402,031 | 558,580 | –156,549 | –28.0 |