Key figures

CHF in millions	2023	2022	2021	2020
Net revenues	515.7	508.9	487.0	479.2
Provision for losses on financing receivables	–56.9	–40.9	–40.3	–56.4
Total operating expenses	–262.6	–257.5	–246.3	–247.4
Net income	158.0	169.3	161.5	152.9
Total assets	8,088	7,624	7,095	7,244
Net financing receivables	6,687	6,520	6,207	6,293
Personal loans	2,370	2,387	2,292	2,408
Auto leases and loans	3,147	2,975	2,820	2,853
Credit cards	1,028	1,045	1,030	970
BNPL	141	114	65	62
Shareholders’ equity	1,250	1,274	1,200	1,127
Cost/income ratio (in %)	50.9	50.6	50.6	49.8
Return on equity (ROE in %)	12.5	13.7	13.9	13.8
Tier 1 capital ratio (in %)	17.2	17.8	18.9	17.7
Employees (full-time equivalent)	902	929	916	928
Credit rating (S&P)	A–	A–	A–	A–
Basic earnings per share (in CHF)	5.39	5.77	5.50	5.21
Dividend per share (in CHF)	4.00	3.95	3.85	3.75
Share price (in CHF)	65.60	76.90	66.45	107.20
Market capitalisation	1,961	2,307	1,993	3,216