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CHF in millions | 2023 | 2022 | Change in % |
Interest income | 422.1 | 385.6 | 9 |
Interest expense | –74.9 | –29.4 | >100 |
Net interest income | 347.2 | 356.2 | –3 |
Commission and fee income | 168.5 | 152.7 | 10 |
Net revenues | 515.7 | 508.9 | 1 |
Provision for losses on financing receivables | –56.9 | –40.9 | 39 |
Compensation and benefits | –137.0 | –135.5 | 1 |
General and administrative expenses | –125.6 | –122.0 | 3 |
Total operating expenses | –262.6 | –257.5 | 2 |
Income before income taxes | 196.2 | 210.5 | –7 |
Income tax expense | –38.1 | –41.2 | –7 |
Net income | 158.1 | 169.3 | –7 |
Basic earnings per share (in CHF) | 5.39 | 5.77 |
|
At 31 December, CHF in millions | 2023 | 2022 | Change in % |
Assets | |||
Cash and cash equivalents | 922 | 633 | 46 |
Financing receivables, net | 6,687 | 6,520 | 3 |
All other assets | 479 | 471 | 2 |
Total assets | 8,088 | 7,624 | 6 |
Liabilities and equity | |||
Deposits | 3,497 | 3,513 | 0 |
Short-term & long-term debt | 3,098 | 2,613 | 19 |
All other liabilities | 244 | 223 | 9 |
Total liabilities | 6,838 | 6,349 | 8 |
Common shares | 30 | 30 | 0 |
Additional paid-in capital (APIC) | 259 | 258 | 0 |
Treasury shares | –37 | –37 | 0 |
Retained earnings | 988 | 1,010 | –1 |
Accumulated other comprehensive income (loss) (AOCI) | 1 | 13 | –96 |
Total shareholders’ equity | 1,250 | 1,274 | –2 |
Total liabilities and shareholders’ equity | 8,088 | 7,624 | 6 |