Business Banking Switzerland

Business Unit reporting

Search only in Quarterly Reporting Q1 2006

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Business Unit reporting


Business Unit reporting
	Quarter ended			% change from
CHF million, except where indicated	31.3.06	31.12.05	31.3.05	4Q05	1Q05
Interest income	819	831	836	(1)	(2)
Non-interest income	442	406	390	9	13
Income	1,261	1,237	1,226	2	3
Adjusted expected credit loss ¹	50	42	19	19	163
Total operating income	1,311	1,279	1,245	3	5
Cash components	617	582	602	6	2
Share-based components ²	16	11	11	45	45
Total personnel expenses	633	593	613	7	3
General and administrative expenses	272	275	233	(1)	17
Services to / from other business units	(169)	(152)	(148)	(11)	(14)
Depreciation of property and equipment	16	22	16	(27)	0
Amortization of intangible assets	0	0	0
Total operating expenses	752	738	714	2	5
Business Unit performance before tax	559	541	531	3	5

KPIs
Invested assets (CHF billion)	158	153	143	3	10
Net new money (CHF billion) ³	1.8	0.6	1.0
Cost / income ratio (%) ⁴	59.6	59.7	58.2
Non-performing loans as a % of lending portfolio, gross	1.5	1.6	2.2
Impaired lending portfolio as a % of lending portfolio, gross	2.1	2.3	2.8

Capital return and BIS data
Return on allocated regulatory capital (%) ⁵	26.3	25.6	24.9
BIS risk-weighted assets	85,160	85,051	86,045	0	(1)
Goodwill	0	0	0
Allocated regulatory capital ⁶	8,516	8,505	8,605	0	(1)

Additional information	As at or for the quarter ended			% change from
	31.3.06	31.12.05	31.3.05	4Q05	1Q05
Deferral (included in adjusted expected credit loss)	133	131	111	2	20
Client assets (CHF billion)	905	834	669	9	35
Personnel (full-time equivalents)	15,352	16,023	15,565	(4)	(1)

1 In management accounts, adjusted expected credit loss rather than credit loss expense is reported for the business groups (see note 2 to the financial statements). 2 Additionally includes related social security contributions and expenses related to alternative investment awards. 3 Excludes interest and dividend income. 4 Operating expenses / income. 5 Year to date Business Unit performance before tax (annualized as applicable) / allocated regulatory capital year to date average. 6 10% of BIS risk-weighted assets plus goodwill.

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