Consolidated income statement
in CHF 1,000 | Note | 01.01.–30.06.2020 | 01.01.–30.06.2019 | Variance | Variance |
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Interest income from financial instruments at amortised cost |
| 65,472 | 77,438 | –11,966 | –15.5 |
Other interest income |
| 9,018 | 7,165 | 1,853 | 25.9 |
Interest expense using the effective interest method |
| 17,114 | 30,030 | –12,916 | –43.0 |
Total net interest income | 57,376 | 54,573 | 2,803 | 5.1 | |
Commission income |
| 94,092 | 90,485 | 3,607 | 4.0 |
Commission expenses |
| 22,565 | 23,470 | –905 | –3.9 |
Total net income from commission | 71,527 | 67,015 | 4,512 | 6.7 | |
Income from trading activities | 32,512 | 29,269 | 3,243 | 11.1 | |
Income from financial instruments | 4,850 | 11,389 | –6,539 | –57.4 | |
Other income | 540 | 491 | 49 | 10.0 | |
Total operating income |
| 166,805 | 162,737 | 4,068 | 2.5 |
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Personnel expenses | 81,318 | 82,370 | –1,052 | –1.3 | |
General and administrative expenses | 28,991 | 29,288 | –297 | –1.0 | |
Depreciation of property, equipment and intangible assets | 14,222 | 14,326 | –104 | –0.7 | |
Credit loss expenses | 20,886 | –3,555 | 24,441 | n.a. | |
Provisions and losses | 818 | 245 | 573 | 233.9 | |
Operating expenses |
| 146,235 | 122,674 | 23,561 | 19.2 |
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Earnings before income tax |
| 20,570 | 40,063 | –19,493 | –48.7 |
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Taxes on income | 6,220 | 4,778 | 1,442 | 30.2 | |
Group net income |
| 14,350 | 35,285 | –20,935 | –59.3 |
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Share information |
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Undiluted group net income per registered share A |
| 2.39 | 5.89 |
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Undiluted group net income per registered share B |
| 0.24 | 0.59 |
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Diluted group net income per registered share A |
| 2.39 | 5.89 |
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Diluted group net income per registered share B |
| 0.24 | 0.59 |
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