At 31 December (in CHF millions) | 2019 | 2018 | 2017 | 2016 | 2015 |
Net interest income | 332.0 | 309.2 | 283.6 | 297.7 | 301.9 |
Commission and fee income | 147.7 | 129.6 | 112.7 | 96.3 | 86.7 |
Net revenues | 479.7 | 438.8 | 396.3 | 394.0 | 388.7 |
Provision for losses | –45.1 | –50.1 | – 45.1 | – 44.6 | – 43.6 |
Total operating expenses | –231.8 | –193.0 | – 167.9 | – 167.5 | – 161.5 |
Net income | 159.2 | 154.1 | 144.5 | 143.7 | 145.0 |
Total assets | 7,485 | 5,440 | 5,099 | 4,857 | 4,745 |
Net financing receivables | 6,586 | 4,807 | 4,562 | 4,073 | 4,063 |
Personal loans | 2,625 | 1,885 | 1,782 | 1,720 | 1,784 |
Auto leases and loans | 2,915 | 1,974 | 1,942 | 1,641 | 1,661 |
Credit cards | 1,029 | 940 | 833 | 711 | 617 |
Others | 17 | 8 | 5 | – | – |
Shareholders’ equity | 1,091 | 933 | 885 | 848 | 799 |
Return on shareholders’ equity (ROE in %) | 15.7% | 16.9% | 16.7% | 17.4% | 17.7% |
Net interest margin (in %) | 5.8% | 6.5% | 6.5% | 7.2% | 7.3% |
Cost / income ratio (in %) | 48.3% | 44.0% | 42.4% | 42.5% | 41.5% |
Tier 1 capital ratio (in %) | 16.3% | 19.2% | 19.2% | 20.0% | 19.8% |
Employees (full-time equivalent) | 963 | 783 | 735 | 705 | 715 |
Credit rating (S&P) | A– | A– | A– | A– | A– |
Basic earnings per share (in CHF) | 5.53 | 5.47 | 5.13 | 5.10 | 5.04 |
Dividend per share (in CHF) | 3.75 | 3.75 | 3.55 | 4.45 | 3.35 |
Book value per share (in CHF) | 36.35 | 31.10 | 29.52 | 28.27 | 26.64 |
Share price (in CHF) | 106.00 | 77.85 | 90.85 | 74.20 | 64.40 |
Market capitalisation | 3,180 | 2,336 | 2,726 | 2,226 | 1,932 |