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Financial Businesses' Results
| Quarter ended | % change from | Year to date | |||||
|---|---|---|---|---|---|---|---|
CHF million, except where indicated |
30.9. | 30.6. | 30.9. | 2Q04 | 3Q03 | 30.9. | 30.9. |
Operating income | |||||||
Interest income | 9,967 | 9,958 | 10,144 | 0 | (2) | 29,666 | 30,420 |
Interest expense | (7,004) | (6,902) | (6,787) | 1 | 3 | (20,429) | (21,128) |
Net interest income | 2,963 | 3,056 | 3,357 | (3) | (12) | 9,237 | 9,292 |
Credit loss (expense) / recovery | 14 | 131 | 42 | (89) | (67) | 148 | (26) |
Net interest income after credit loss expense | 2,977 | 3,187 | 3,399 | (7) | (12) | 9,385 | 9,266 |
Net fee and commission income | 4,533 | 4,841 | 4,386 | (6) | 3 | 14,379 | 12,525 |
Net trading income | 666 | 1,177 | 639 | (43) | 4 | 3,628 | 3,178 |
Other income | 280 | 279 | 79 | 0 | 254 | 843 | 283 |
Total operating income | 8,456 | 9,484 | 8,503 | (11) | (1) | 28,235 | 25,252 |
Operating expenses | |||||||
Personnel expenses | 4,091 | 4,599 | 4,372 | (11) | (6) | 13,861 | 13,193 |
General and administrative expenses | 1,618 | 1,743 | 1,422 | (7) | 14 | 4,868 | 4,419 |
Depreciation of property and equipment | 329 | 322 | 319 | 2 | 3 | 954 | 980 |
Amortization of goodwill and other intangible assets | 227 | 225 | 238 | 1 | (5) | 677 | 718 |
Total operating expenses | 6,265 | 6,889 | 6,351 | (9) | (1) | 20,360 | 19,310 |
Operating profit before tax and minority interests | 2,191 | 2,595 | 2,152 | (16) | 2 | 7,875 | 5,942 |
Tax expense | 460 | 512 | 386 | (10) | 19 | 1,551 | 1,266 |
Net profit before minority interests | 1,731 | 2,083 | 1,766 | (17) | (2) | 6,324 | 4,676 |
Minority interests | (77) | (109) | (81) | (29) | (5) | (273) | (245) |
Net profit | 1,654 | 1,974 | 1,685 | (16) | (2) | 6,051 | 4,431 |
| Additional information | Quarter ended | % change from | |||
|---|---|---|---|---|---|
As at | 30.9. | 30.6. | 30.9. | 2Q04 | 3Q03 |
Headcount (full-time equivalents) | 66,894 | 66,043 | 66,153 | 1 | 1 |
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