- Cembra
- Reporting
- Corporate Governance
- Compensation Report
- Financial Statements
For the years ended 31 December (CHF in millions) | 2018 | 2017 | 2016 |
Net interest income | 309.2 | 283.6 | 297.7 |
Commission and fee income | 129.6 | 112.7 | 96.3 |
Net revenues | 438.8 | 396.3 | 394.0 |
Provision for losses | –50.1 | – 45.1 | – 44.6 |
Total operating expenses | –193.0 | – 167.9 | – 167.5 |
Net income | 154.1 | 144.5 | 143.7 |
Total assets | 5,440 | 5,099 | 4,857 |
Net financing receivables | 4,807 | 4,562 | 4,073 |
Personal loans | 1,885 | 1,782 | 1,720 |
Auto leases and loans | 1,974 | 1,942 | 1,641 |
Credit cards | 940 | 833 | 711 |
Others | 8 | 5 | – |
Shareholders’ equity | 933 | 885 | 848 |
Return on shareholders’ equity (ROE in %) | 16.9% | 16.7% | 17.4% |
Net interest margin (in %) | 6.5% | 6.5% | 7.2% |
Cost / income ratio (in %) | 44.0% | 42.4% | 42.5% |
Tier 1 capital ratio (in %) | 19.2% | 19.2% | 20.0% |
Employees (full-time equivalent) | 783 | 735 | 705 |
Credit rating (S&P) | A– | A– | A– |
Basic earnings per share (in CHF) | 5.47 | 5.13 | 5.10 |
Ordinary dividend per share (in CHF) | 3.75 | 3.55 | 3.45 |
Book value per share (in CHF) | 31.10 | 29.52 | 28.27 |
Share price (in CHF) | 77.85 | 90.85 | 74.20 |
Market capitalisation | 2,336 | 2,726 | 2,226 |