Business Banking Switzerland

Business Unit reporting

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Business Unit reporting


Business Unit reporting
	As at or for the quarter ended			% change from		Year to date
CHF million, except where indicated	30.9.06	30.6.06	30.9.05	2Q06	3Q05	30.9.06	30.9.05
Interest income	820	843	824	(3)	0	2,482	2,486
Non-interest income	434	463	417	(6)	4	1,339	1,226
Income	1,254	1,306	1,241	(4)	1	3,821	3,712
Adjusted expected credit loss ¹	43	51	31	(16)	39	144	80
Total operating income	1,297	1,357	1,272	(4)	2	3,965	3,792
Cash components	581	591	612	(2)	(5)	1,789	1,826
Share-based components ²	6	15	11	(60)	(45)	37	31
Total personnel expenses	587	606	623	(3)	(6)	1,826	1,857
General and administrative expenses	277	268	246	3	13	817	719
Services (to) / from other business units	(155)	(165)	(165)	6	6	(489)	(482)
Depreciation of property and equipment	20	16	15	25	33	52	50
Amortization of intangible assets	0	0	0			0	0
Total operating expenses	729	725	719	1	1	2,206	2,144
Business Unit performance before tax	568	632	553	(10)	3	1,759	1,648

KPIs
Invested assets (CHF billion)	159	155	150	3	6
Net new money (CHF billion) ³	(0.4)	1.5	(0.2)			2.9	2.8
Cost / income ratio (%) ⁴	58.1	55.5	57.9			57.7	57.8
Non-performing loans as a % of lending portfolio, gross	1.3	1.4	1.9
Impaired lending portfolio as a % of lending portfolio, gross	1.8	1.9	2.4

Capital return and BIS data
Return on allocated regulatory capital (%) ⁵						27.4	25.7
BIS risk-weighted assets	87,400	85,351	85,494	2	2
Goodwill	0	0	0
Allocated regulatory capital ⁶	8,740	8,535	8,549	2	2

Additional information
Deferral (included in adjusted expected credit loss)	124	133	122	(7)	2	390	354
Client assets (CHF billion)	969	900	776	8	25
Personnel (full-time equivalents)	15,819	15,425	15,906	3	(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) / allocated regulatory capital year to date average. 6 10% of BIS risk-weighted assets plus goodwill.

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