Segment reporting

in CHF 1,000	Intermediaries & Private Banking	Client Solutions	Corporate Center	Total Group
Business segment reporting 2020
Total net interest income	101,345	1,677	10,543	113,565
Total net income from commission business and services	119,353	31,254	–10,628	139,980
Income from trading activities	31,808	2,479	22,346	56,632
Income from financial instruments	0	0	7,900	7,900
Other income	32	323	615	970
Total operating income	252,538	35,733	30,776	319,047
Personnel expenses	64,303	10,960	86,854	162,117
General and administrative expenses	7,816	4,973	46,075	58,864
Depreciation of property, equipment and intangible assets	5,584	527	22,652	28,763
Credit loss expenses	19,416	–30	–27	19,359
Provisions and losses	393	4	3	400
Services to/from other segments	55,074	2,421	–57,495	0
Operating expenses	152,585	18,855	98,063	269,503
Earnings before income tax	99,953	16,878	–67,287	49,544
Taxes on income				7,922
Group net income				41,622

Segment assets (in CHF million)	6,213	65	7,245	13,523
Segment liabilities (in CHF million)	9,808	898	1,792	12,498
Client assets under management (in CHF billion)1	36.0	11.5	0.0	47.4
Net new money (in CHF billion)	0.8	0.5	0.0	1.4
Headcount (number of employees)	356	81	553	990
Headcount (expressed as full-time equivalents)	334.2	75.3	507.5	917.1

The recharging of costs and revenues between the business units takes place on the basis of internal transfer prices, actual recharges or prevailing market conditions. Recharged costs within the segments are subject to an annual review and are amended to reflect new economic conditions, where necessary.

Calculation in accordance with Table P of the Guidelines to the Liechtenstein Banking Ordinance issued by the Government of Liechtenstein (FL-BankO).

in CHF 1,000	Intermediaries & Private Banking	Client Solutions	Corporate Center	Total Group
Business segment reporting 2019
Total net interest income	115,300	2,382	–2,580	115,101
Total net income from commission business and services	115,207	31,223	–9,264	137,166
Income from trading activities	29,895	2,137	28,953	60,985
Income from financial instruments	0	2	14,269	14,271
Other income	30	338	–116	252
Total operating income	260,432	36,082	31,261	327,775
Personnel expenses	67,316	11,056	87,019	165,391
General and administrative expenses	9,167	4,570	42,561	56,298
Depreciation of property, equipment and intangible assets	6,631	699	22,013	29,343
Credit loss expenses	–6,494	–228	–31	–6,753
Provisions and losses	533	19	3	555
Services to/from other segments	51,357	2,380	–53,737	0
Operating expenses	128,510	18,496	97,828	244,834
Earnings before income tax	131,922	17,586	–66,567	82,941
Taxes on income				9,398
Group net income				73,543

Segment assets (in CHF million)	6,554	229	6,617	13,400
Segment liabilities (in CHF million)	9,311	839	2,224	12,374
Client assets under management (in CHF billion)1	35.4	11.4	0.0	46.8
Net new money (in CHF billion)	1.5	0.6	0.0	2.1
Headcount (number of employees)	349	72	522	943
Headcount (expressed as full-time equivalents)	327.6	66.9	479.2	873.7

The recharging of costs and revenues between the business units takes place on the basis of internal transfer prices, actual recharges or prevailing market conditions. Recharged costs within the segments are subject to an annual review and are amended to reflect new economic conditions, where necessary.

Calculation in accordance with Table P of the Guidelines to the Liechtenstein Banking Ordinance issued by the Government of Liechtenstein (FL-BankO).

in CHF 1,000	Liechtenstein	Rest of Europe	Other countries	Total Group
Geographic segment reporting
2020
Total operating income	207,339	78,992	32,716	319,047
Total assets	10,631	1,896	996	13,523

2019
Total operating income	228,892	65,322	33,561	327,775
Total assets	10,371	1,799	1,230	13,400

Segment reporting follows the principle of branch accounting.

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