Consolidated income statement

in CHF 1,000	Note	01.01.–30.06.2021	01.01.–30.06.2020	Variance absolute	Variance in %
Interest income from financial instruments at amortised cost		56,186	65,472	–9,286	–14.2
Other interest income		6,825	9,018	–2,193	–24.3
Interest expense using the effective interest method		7,127	17,114	–9,987	–58.4
Total net interest income	1, 18	55,884	57,376	–1,492	–2.6
Commission income		102,437	94,092	8,345	8.9
Commission expenses		24,434	22,565	1,869	8.3
Total net income from commission business and services	2	78,003	71,527	6,476	9.1
Income from trading activities	3	24,117	32,512	–8,395	–25.8
Income from financial instruments	4	7,348	4,850	2,498	51.5
Other income	5	1,232	540	692	128.1
Total operating income		166,584	166,805	–221	–0.1

Personnel expenses	6	86,013	81,318	4,695	5.8
General and administrative expenses	7	30,997	28,991	2,006	6.9
Depreciation of property, equipment and intangible assets	8, 18	15,532	14,222	1,310	9.2
Credit loss expenses	9	–533	20,886	–21,419	–102.6
Provisions and losses	9	189	818	–629	–76.9
Operating expenses		132,198	146,235	–14,037	–9.6

Earnings before income tax		34,386	20,570	13,816	67.2

Taxes on income	10	4,489	6,220	–1,731	–27.8
Group net income		29,897	14,350	15,547	108.3


Share information
Undiluted group net income per registered share A	11	4.93	2.39
Undiluted group net income per registered share B	11	0.49	0.24

Diluted group net income per registered share A	11	4.90	2.37
Diluted group net income per registered share B	11	0.49	0.24

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