Annual Report 2017

Key Figures

For the years ended 31 December (CHF in millions)

2017

2016

2015

Net interest income

283.6

297.7

301.9

Commission and fee income

112.7

96.3

86.7

Net revenues

396.3

394.0

388.7

Provision for losses

– 45.1

– 44.6

– 43.6

Total operating expenses

– 167.9

– 167.5

– 161.5

Net income

144.5

143.7

145.0

Total assets

5,099

4,857

4,745

Net financing receivables

4,562

4,073

4,063

Personal loans

1,782

1,720

1,784

Auto leases and loans

1,942

1,641

1,661

Credit cards

833

711

617

Others

5

–

–

Shareholders’ equity

885

848

799

Return on shareholders’ equity (ROE in %)

16.7%

17.4%

17.7%

Net interest margin (in %)

6.5%

7.2%

7.3%

Cost / income ratio (in %)

42.4%

42.5%

41.5%

CET 1 capital ratio (in %)

19.2%

20.0%

19.8%

Employees (full-time equivalent)

735

705

715

Credit rating (S&P)

A–

A–

A–

Basic earnings per share (in CHF)

5.13

5.10

5.04

Ordinary dividend per share (in CHF)

3.55

3.45

3.35

Book value per share (in CHF)

29.52

28.27

26.64

Share price (in CHF)

90.85

74.20

64.40

Market capitalisation

2,726

2,226

1,932