Key Figures

At 31 December (in CHF millions)

2021

2020

2019

2018

2017

Net interest income

356.7

375.0

332.0

309.2

283.6

Commission and fee income

130.3

122.3

147.7

129.6

112.7

Net revenues

487.0

479.2

479.7

438.8

396.3

Provision for losses

–40.3

– 56.4

– 45.1

– 50.1

– 45.1

Total operating expenses

–246.3

-247.4

–231.8

–193.0

– 167.9

Net income

161.5

152.9

159.2

154.1

144.5

Total assets

7’095

7,244

7,485

5,440

5,099

Net financing receivables

6’207

6,293

6,586

4,807

4,562

     Personal loans

2’292

2,408

2,625

1,885

1,782

     Auto leases and loans

2’820

2,853

2,915

1,974

1,942

     Credit cards

1’030

970

1,029

940

833

     Others

65

62

17

8

5

Shareholders’ equity

1’200

1,127

1,091

933

885

Return on shareholders’ equity (ROE)

13.9%

13.8%

15.7%

16.9%

16.7%

Net interest margin

5.6%

5.7%

5.8%

6.5%

6.5%

Cost / income ratio

50.6%

49.8%

48.3%

44.0%

42.4%

Tier 1 capital ratio

18.9%

17.7%

16.3%

19.2%

19.2%

Employees (full-time equivalent)

916

928

963

783

735

Credit rating (S&P)

A–

A–

A–

A–

A–

Basic earnings per share (in CHF)

5.50

5.21

5.53

5.47

5.13

Dividend per share (in CHF)

3.85

3.75

3.75

3.75

3.55

Book value per share (in CHF)

40.00

37.57

36.35

31.10

29.52

Share price (in CHF)

66.45

107.20

106.00

77.85

90.85

Market capitalisation

1’993

3,216

3,180

2,336

2,726