Balance sheet

Assets

in CHF 1,000	31.12.2023	31.12.2022	Variance	Variance
			absolute	in %
Cash and cash equivalents	1,069,574	1,632,057	–562,483	–34.5
Due from banks	1,232,451	1,481,799	–249,348	–16.8
maturing daily	591,853	495,082	96,771	19.5
other receivables	640,598	986,717	–346,119	–35.1
Due from customers	4,636,924	4,809,857	–172,933	–3.6
of which mortgage receivables	3,042,252	2,947,305	94,947	3.2
Debentures and other interest-bearing securities	2,306,909	2,366,458	–59,549	–2.5
money-market papers	170,895	196,994	–26,099	–13.2
from public-sector issuers	170,895	168,193	2,702	1.6
from other issuers	0	28,801	–28,801	–100.0
debt securities	2,136,014	2,169,464	–33,450	–1.5
from public-sector issuers	481,085	486,821	–5,736	–1.2
from other issuers	1,654,929	1,682,643	–27,714	–1.6
Equity shares and other non-interest-bearing securities	148,538	153,368	–4,830	–3.1
Participations	56	56	0	0.0
Shares in affiliated companies	172,013	172,013	0	0.0
Intangible assets	49,520	56,715	–7,195	–12.7
Property and equipment	57,265	62,068	–4,803	–7.7
Treasury shares	38,680	41,854	–3,174	–7.6
Other assets	65,062	69,795	–4,733	–6.8
Accrued receivables and prepaid expenses	38,639	29,219	9,420	32.2
Total assets	9,815,631	10,875,259	–1,059,628	–9.7

in CHF 1,000	31.12.2023	31.12.2022	Variance	Variance
			absolute	in %
Due to banks	2,320,119	2,620,537	–300,418	–11.5
maturing daily	888,560	1,410,690	–522,130	–37.0
with agreed duration or term of notice	1,431,559	1,209,847	221,712	18.3
Due to customers	6,086,732	6,880,234	–793,502	–11.5
savings deposits	401,430	502,403	–100,973	–20.1
other liabilities	5,685,302	6,377,831	–692,529	–10.9
maturing daily	4,119,288	5,387,475	–1,268,187	–23.5
with agreed duration or term of notice	1,566,014	990,356	575,658	58.1
Securitised liabilities	308,005	299,180	8,825	2.9
debentures issued	308,005	299,180	8,825	2.9
of which medium-term notes	53,005	44,180	8,825	20.0
Other liabilities	127,680	107,493	20,187	18.8
Accrued liabilities and deferred items	39,923	32,707	7,216	22.1
Provisions	5,543	5,842	–299	–5.1
tax provisions	1,602	2,259	–657	–29.1
other provisions	3,941	3,583	358	10.0
Provisions for general banking risks	63,150	63,150	0	0.0
Share capital	66,154	66,154	0	0.0
Capital reserves	47,049	47,049	0	0.0
Income reserves	605,807	603,415	2,392	0.4
legal reserves	239,800	239,800	0	0.0
reserves for treasury shares	38,680	41,854	–3,174	–7.6
other reserves	327,327	321,761	5,566	1.7
Balance brought forward	116,421	130,809	–14,388	–11.0
Net income for the year	29,048	18,689	10,359	55.4
Total liabilities and shareholders’ equity	9,815,631	10,875,259	–1,059,628	–9.7

in CHF 1,000	31.12.2023	31.12.2022	Variance	Variance
			absolute	in %
Contingent liabilities	79,840	83,913	–4,073	–4.9
Credit risks	138,954	79,394	59,560	75.0
irrevocable facilities granted	138,954	79,394	59,560	75.0

Derivative financial instruments
positive replacement values	40,189	57,691	–17,502	–30.3
negative replacement values	101,664	89,137	12,527	14.1
contract volumes	5,814,583	8,252,816	–2,438,233	–29.5
Fiduciary transactions	388,598	524,521	–135,923	–25.9