Key Figures

At 31 December (in CHF millions)	2022	2021	2020	2019	2018
Net interest income	356.2	356.7	375.0	332.0	309.2
Commission and fee income	152.7	130.3	122.3	147.7	129.6
Net revenues	508.9	487.0	479.2	479.7	438.8
Provision for losses	–40.9	–40.3	–56.4	–45.1	–50.1
Total operating expenses	–257.5	–246.3	–247.4	–231.8	–193.0
Net income	169.3	161.5	152.9	159.2	154.1
Total assets	7,653	7,095	7,244	7,485	5,440
Net financing receivables	6,520	6,207	6,293	6,586	4,807
Personal loans	2,387	2,292	2,408	2,625	1,885
Auto leases and loans	2,975	2,820	2,853	2,915	1,974
Credit cards	1,045	1,030	970	1,029	940
BNPL	114	65	62	17	8
Shareholders’ equity	1,274	1,200	1,127	1,091	933
Return on shareholders’ equity (ROE)	13.7%	13.9%	13.8%	15.7%	16.9%
Cost/income ratio	50.6%	50.6%	49.8%	48.3%	44.0%
Tier 1 capital ratio	17.8%	18.9%	17.7%	16.3%	19.2%
Employees (full-time equivalent)	929	916	928	963	783
Credit rating (S&P)	A–	A–	A–	A–	A–
Basic earnings per share (in CHF)	5.77	5.50	5.21	5.53	5.47
Dividend per share (in CHF)	3.95	3.85	3.75	3.75	3.75
Book value per share (in CHF)	42.47	40.00	37.57	36.35	31.10
Share price (in CHF)	76.90	66.45	107.20	106.00	77.85
Market capitalisation	2,307	1,993	3,216	3,180	2,336