Consolidated income statement
in CHF 1,000 | Note | 01.01.–30.06.2022 | 01.01.–30.06.2021 | Variance | Variance |
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Interest income from financial instruments at amortised cost |
| 55,432 | 56,186 | –754 | –1.3 |
Other interest income |
| 9,149 | 6,825 | 2,324 | 34.1 |
Interest expense using the effective interest method |
| 8,957 | 7,127 | 1,830 | 25.7 |
Total net interest income | 55,624 | 55,884 | –260 | –0.5 | |
Commission income |
| 96,238 | 102,437 | –6,199 | –6.1 |
Commission expenses |
| 24,271 | 24,434 | –163 | –0.7 |
Total net income from commission | 71,967 | 78,003 | –6,036 | –7.7 | |
Income from trading activities | 27,102 | 24,117 | 2,985 | 12.4 | |
Income from financial instruments | 6,537 | 7,348 | –811 | –11.0 | |
Other income | 271 | 1,232 | –961 | –78.0 | |
Total operating income |
| 161,501 | 166,584 | –5,083 | –3.1 |
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Personnel expenses | 85,408 | 86,013 | –605 | –0.7 | |
General and administrative expenses | 36,747 | 30,997 | 5,750 | 18.6 | |
Depreciation of property, equipment and intangible assets | 19,017 | 15,532 | 3,485 | 22.4 | |
Credit loss expenses | –3,793 | –533 | –3,260 | n.a. | |
Provisions and losses | 1,012 | 189 | 823 | 435.4 | |
Operating expenses |
| 138,391 | 132,198 | 6,193 | 4.7 |
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Earnings before income tax |
| 23,110 | 34,386 | –11,276 | –32.8 |
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Taxes on income | 1,783 | 4,489 | –2,706 | –60.3 | |
Group net income |
| 21,327 | 29,897 | –8,570 | –28.7 |
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Share information |
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Undiluted group net income per registered share A | 3.49 | 4.93 |
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Undiluted group net income per registered share B | 0.35 | 0.49 |
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Diluted group net income per registered share A | 3.47 | 4.90 |
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Diluted group net income per registered share B | 0.35 | 0.49 |
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