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Business Banking Switzerland
| Quarter ended | % change from | Year ended | |||||
|---|---|---|---|---|---|---|---|
CHF million, except where indicated |
31.12. |
30.9. |
31.12. | 3Q04 | 4Q03 |
31.12. |
31.12. |
Interest income | 838 | 866 | 1 | (2) | 3,390 | 3,542 | |
Non-interest income | 437 | 423 | (10) | (7) | 1,673 | 1,705 | |
Income | 1,239 | 1,275 | 1,289 | (3) | (4) | 5,063 | 5,247 |
Adjusted expected credit loss1 | 6 | (10) | (6) |
|
| (25) | (127) |
Total operating income | 1,245 | 1,265 | 1,283 | (2) | (3) | 5,038 | 5,120 |
Personnel expenses | 594 | 598 | 582 | (1) | 2 | 2,393 | 2,406 |
General and administrative expenses | 269 | 277 | 267 | (3) | 1 | 1,064 | 1,090 |
Services to / from other business units | (148) | (144) | (132) | (3) | (12) | (533) | (609) |
Depreciation | 20 | 17 | 27 | 18 | (26) | 69 | 88 |
Amortization of goodwill and other intangible assets | 0 | 0 | 0 | 0 | 0 | ||
Total operating expenses | 735 | 748 | 744 | (2) | (1) | 2,993 | 2,975 |
Business unit performance before tax | 510 | 517 | 539 | (1) | (5) | 2,045 | 2,145 |
Business unit performance before tax and amortization | 517 | 539 | (1) | (5) | 2,045 | 2,145 | |
| |||||||
KPIs | |||||||
Invested assets (CHF billion) | 140 | 140 | 136 | 0 | 3 | ||
Net new money (CHF billion)2 | 0.2 | 0.4 | (0.2) |
|
| 2.6 | 2.5 |
Cost / income ratio (%)3 | 59.3 | 58.7 | 57.7 |
|
| 59.1 | 56.7 |
Cost / income ratio before goodwill (%)4 | 59.3 | 58.7 | 57.7 |
|
| 59.1 | 56.7 |
Non-performing loans / gross loans (%) | 2.3 | 2.5 | 3.2 |
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|
|
|
Impaired loans / gross loans (%) | 3.0 | 3.3 | 4.6 | ||||
| Additional Information | Quarter ended | % change from | Year ended | ||||
|---|---|---|---|---|---|---|---|
As at or for the period ended |
31.12. |
30.9. |
31.12. | 3Q04 | 4Q03 |
31.12. |
31.12. |
Deferral (included in adjusted expected credit loss) | 106 | 100 | 114 | 6 | (7) | 411 | 383 |
Client assets (CHF billion) | 655 | 647 | 622 | 1 | 5 | ||
Regulatory equity allocated (average) | 6,050 | 6,250 | 6,150 | (3) | (2) | ||
Headcount (full-time equivalents) | 15,508 | 15,759 | 16,181 | (2) | (4) | ||
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