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Business Banking Switzerland
Business Unit reporting
| Spreadsheets |
| Quarter ended | % change from | Year ended | |||||
|---|---|---|---|---|---|---|---|
CHF million, except where indicated | 31.12.05 | 30.9.05 | 31.12.04 | 3Q05 | 4Q04 | 31.12.05 | 31.12.04 |
Interest income | 831 | 824 | 845 | 1 | (2) | 3,317 | 3,390 |
Non-interest income | 406 | 417 | 395 | (3) | 3 | 1,632 | 1,674 |
Income | 1,237 | 1,241 | 1,240 | 0 | 0 | 4,949 | 5,064 |
Adjusted expected credit loss1 | 42 | 31 | 6 | 35 | 600 | 122 | (25) |
Total operating income | 1,279 | 1,272 | 1,246 | 1 | 3 | 5,071 | 5,039 |
Cash components | 582 | 612 | 590 | (5) | (1) | 2,408 | 2,377 |
Share-based components2 | 11 | 11 | 12 | 0 | (8) | 42 | 49 |
Total personnel expenses | 593 | 623 | 602 | (5) | (1) | 2,450 | 2,426 |
General and administrative expenses | 275 | 246 | 269 | 12 | 2 | 994 | 1,064 |
Services to / from other business units | (152) | (165) | (148) | 8 | (3) | (634) | (533) |
Depreciation of property and equipment | 22 | 15 | 20 | 47 | 10 | 72 | 69 |
Amortization of goodwill | 0 | 0 | 0 | 0 | 0 | ||
Amortization of other intangible assets | 0 | 0 | 0 | 0 | 0 | ||
Total operating expenses | 738 | 719 | 743 | 3 | (1) | 2,882 | 3,026 |
Business Unit performance before tax | 541 | 553 | 503 | (2) | 8 | 2,189 | 2,013 |
Business Unit performance before tax and amortization of goodwill | 541 | 553 | 503 | (2) | 8 | 2,013 | |
KPIs | |||||||
Invested assets (CHF billion) | 153 | 150 | 140 | 2 | 9 | ||
Net new money (CHF billion)3 | 0.6 | (0.2) | 0.2 | 3.4 | 2.6 | ||
Cost / income ratio (%)4 | 59.7 | 57.9 | 59.9 | 58.2 | 59.8 | ||
Cost / income ratio before goodwill (%)4 | 59.7 | 57.9 | 59.9 | 59.8 | |||
Non-performing loans / gross loans (%) | 1.6 | 1.9 | 2.3 | ||||
Impaired loans / gross loans (%) | 2.3 | 2.4 | 3.0 | ||||
Capital return and BIS data | |||||||
Return on adjusted regulatory capital (%)5 |
| 25.6 | 23.2 | ||||
Return on adjusted regulatory capital before goodwill (%)5 |
| 25.6 | 23.2 | ||||
BIS risk-weighted assets | 85,051 | 85,494 | 84,437 | (1) | 1 | ||
Goodwill | 0 | 0 | 0 | ||||
Adjusted regulatory capital6 | 8,505 | 8,549 | 8,444 | (1) | 1 | ||
| Additional Information | As at or for the quarter ended | % change from | Year ended | ||||
|---|---|---|---|---|---|---|---|
31.12.05 | 30.9.05 | 31.12.04 | 3Q05 | 4Q04 | 31.12.05 | 31.12.04 | |
Deferral (included in adjusted expected credit loss) | 131 | 122 | 106 | 7 | 24 | 485 | 411 |
Client assets (CHF billion) | 834 | 776 | 655 | 7 | 27 | ||
Personnel (full-time equivalents) | 16,023 | 15,906 | 15,508 | 1 | 3 | ||
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