| CHF million, except per share data | % change from |
| For the year ended | 31.12.01 | 31.12.00 | 31.12.99 | 31.12.00 |
Operating income |
| Interest income | 52 277 | 51 745 | 35 604 | 1 |
| Interest expense | (44 236) | (43 615) | (29 695) | 1 |
| Net interest income | 8 041 | 8 130 | 5 909 | (1) |
| Credit loss expense / recovery | (498) | 130 | (956) | |
| Net interest income after credit loss expense / recovery | 7 543 | 8 260 | 4 953 | (9) |
| Net fee and commission income | 20 211 | 16 703 | 12 607 | 21 |
| Net trading income | 8 802 | 9 953 | 7 719 | (12) |
| Other income | 558 | 1 486 | 3 146 | (62) |
| Total operating income | 37 114 | 36 402 | 28 425 | 2 |
Operating expenses |
| Personnel expenses | 19 828 | 17 163 | 12 577 | 16 |
| General and administrative expenses | 7 631 | 6 765 | 6 098 | 13 |
| Depreciation of property and equipment | 1 614 | 1 608 | 1 517 | 0 |
| Amortization of goodwill and other intangible assets | 1 323 | 667 | 340 | 98 |
| Total operating expenses | 30 396 | 26 203 | 20 532 | 16 |
| Operating profit before tax and minority interests | 6 718 | 10 199 | 7 893 | (34) |
| Tax expense | 1 401 | 2 320 | 1 686 | (40) |
| Net profit before minority interests | 5 317 | 7 879 | 6 207 | (33) |
| Minority interests | (344) | (87) | (54) | 295 |
| Net profit | 4 973 | 7 792 | 6 153 | (36) |
| Basic earnings per share (CHF)
1 | 3.93 | 6.44 | 5.07 | (39) |
| Basic earnings per share before goodwill (CHF)
1, 2 | 4.97 | 7.00 | 5.35 | (29) |
| Diluted earnings per share (CHF)
1 | 3.78 | 6.35 | 5.02 | (40) |
| Diluted earnings per share before goodwill (CHF)
1, 2 | 4.81 | 6.89 | 5.30 | (30) |
1 All earnings per share figures have been restated for the 3 for 1 share split which took place on 16 July 2001.
2 Excludes the amortization of goodwill and other intangible assets. |
