Consolidated income statement

in CHF 1,000	Note	2020	2019	Variance absolute	Variance in %
Interest income from financial instruments at amortised cost		122,086	155,370	–33,284	–21.4
Other interest income		17,052	17,970	–918	–5.1
Interest expense using the effective interest method		25,573	58,239	–32,666	–56.1
Total net interest income	1/32	113,565	115,101	–1,536	–1.3
Commission income		184,503	186,653	–2,150	–1.2
Commission expenses		44,523	49,487	–4,964	–10.0
Total net income from commission business and services	2	139,980	137,166	2,814	2.1
Income from trading activities	3	56,632	60,985	–4,353	–7.1
Income from financial instruments	4	7,900	14,271	–6,371	–44.6
Other income	5	970	252	718	284.9
Total operating income		319,047	327,775	–8,728	–2.7

Personnel expenses	6	162,117	165,391	–3,274	–2.0
General and administrative expenses	7	58,864	56,298	2,566	4.6
Depreciation of property, equipment and intangible assets	8	28,763	29,343	–580	–2.0
Credit loss expenses	9	19,359	–6,753	26,112	386.7
Provisions and losses	9	400	555	–155	–27.9
Operating expenses		269,503	244,834	24,669	10.1

Earnings before income tax		49,544	82,941	–33,397	–40.3

Taxes on income	10a	7,922	9,398	–1,476	–15.7
Group net income		41,622	73,543	–31,921	–43.4


Share information
Undiluted Group net income per registered share A	11	6.90	12.28
Undiluted Group net income per registered share B	11	0.69	1.23

Diluted Group net income per registered share A	11	6.87	12.14
Diluted Group net income per registered share B	11	0.69	1.21

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