Key Figures

At 31 December (in CHF millions)

2020

2019

2018

2017

2016

Net interest income

375.0

332.0

309.2

283.6

297.7

Commission and fee income

122.3

147.7

129.6

112.7

96.3

Net revenues

479.2

479.7

438.8

396.3

394.0

Provision for losses

– 56.4

– 45.1

– 50.1

– 45.1

– 44.6

Total operating expenses

-247.4

–231.8

–193.0

– 167.9

– 167.5

Net income

152.9

159.2

154.1

144.5

143.7

Total assets

7,244

7,485

5,440

5,099

4,857

Net financing receivables

6,293

6,586

4,807

4,562

4,073

     Personal loans

2,408

2,625

1,885

1,782

1,720

     Auto leases and loans

2,853

2,915

1,974

1,942

1,641

     Credit cards

970

1,029

940

833

711

     Others

62

17

8

5

Shareholders’ equity

1,127

1,091

933

885

848

Return on shareholders’ equity (ROE)

13.8%

15.7%

16.9%

16.7%

17.4%

Net interest margin

5.7%

5.8%

6.5%

6.5%

7.2%

Cost / income ratio

49.8%

48.3%

44.0%

42.4%

42.5%

Tier 1 capital ratio

17.7%

16.3%

19.2%

19.2%

20.0%

Employees (full-time equivalent)

928

963

783

735

705

Credit rating (S&P)

A–

A–

A–

A–

A–

Basic earnings per share (in CHF)

5.21

5.53

5.47

5.13

5.10

Dividend per share (in CHF)

3.75

3.75

3.75

3.55

4.45

Book value per share (in CHF)

37.57

36.35

31.10

29.52

28.27

Share price (in CHF)

107.20

106.00

77.85

90.85

74.20

Market capitalisation

3,216

3,180

2,336

2,726

2,226