Five-year overview

Balance sheet – five-year overview

 

2017 in 1,000 CHF

2016 in 1,000 CHF

2015 in 1,000 CHF

2014 in 1,000 CHF

2013 in 1,000 CHF

Assets

 

 

 

 

 

Liquid assets

18,819,203

18,779,805

17,271,940

7,771,842

5,531,017

Amounts due from Raiffeisen banks

2,655,902

2,923,285

3,758,642

3,953,353

4,633,236

Amounts due from other banks

8,214,912

6,948,718

3,095,492

4,672,095

5,294,759

Amounts due from securities financing transactions

51,371

13,204

51,801

474,223

651,028

Amounts due from clients

2,441,407

2,274,938

2,237,698

2,051,802

1,811,849

Mortgage loans

9,870,963

9,121,212

8,505,627

7,651,603

6,943,747

Trading portfolio assets

1,325,870

1,282,433

1,311,118

1,735,756

1,157,926

Positive replacement values of derivative financial instruments

1,632,217

1,604,991

1,633,087

1,682,705

883,905

Financial investments

6,308,591

6,596,490

5,592,891

4,971,082

3,624,093

Accrued income and prepaid expenses

228,036

239,406

267,760

243,034

237,924

Participations

1,055,938

1,243,250

1,417,390

955,750

1,112,266

Tangible fixed assets

195,321

249,126

260,309

263,319

257,274

Intangible assets

6,653

18,145

22,984

Other assets

788,398

616,755

1,363,850

1,021,923

480,451

Total assets

53,594,781

51,911,757

46,790,589

37,448,485

32,619,475

Liabilities

 

 

 

 

 

Amounts due to Raiffeisen banks

15,528,573

14,063,534

11,473,545

11,157,296

9,975,138

Amounts due to other banks

13,676,261

14,047,052

10,448,545

7,221,460

5,842,870

Liabilities from securities financing transactions

1,757,968

2,514,988

4,052,523

1,043,602

859,023

Amounts due in respect of customer deposits

11,044,803

10,714,330

10,002,847

8,297,193

7,218,300

Trading portfolio liabilities

133,799

138,207

105,139

121,490

104,277

Negative replacement values of derivative financial instruments

1,610,794

1,825,313

2,134,730

2,148,635

1,359,382

Cash Bonds

61,758

73,681

104,476

141,573

173,444

Bond issues and central mortgage institution loans

6,836,274

5,743,882

5,562,865

5,306,195

5,069,570

Accrued expenses and deferred income

289,993

266,380

251,615

245,490

266,611

Other liabilities

458,400

433,423

445,930

410,363

398,523

Provisions

16,685

16,834

16,656

24,697

26,841

Reserves for general banking risks

259,450

158,450

298,900

283,700

281,700

Cooperative capital

1,700,000

1,700,000

1,700,000

850,000

850,000

Statutory retained earnings reserve

173,183

169,443

162,790

159,796

157,214

Profit

46,840

46,240

30,028

36,994

36,582

Total equity capital

2,179,473

2,074,133

2,191,718

1,330,490

1,325,496

Total liabilities

53,594,781

51,911,757

46,790,589

37,448,485

32,619,475

Income statement – five-year overview

 

2017 in 1,000 CHF

2016 in 1,000 CHF

2015 in 1,000 CHF

2014 in 1,000 CHF

2013 in 1,000 CHF

Interest and discount income

320,123

372,806

439,900

499,590

526,894

Interest and dividend income from financial investments

48,337

52,852

55,661

52,794

52,877

Interest expenses

-242,372

-302,113

-378,582

-440,310

-459,081

Gross result from interest operations

126,088

123,546

116,979

112,074

120,690

Changes in value adjustments for default risks and losses from interest operations

-1,782

-14,665

-5,760

2,753

2,832

Subtotal net result from interest operations

124,306

108,881

111,219

114,828

123,522

Commission income securities trading and investment business

73,690

49,973

51,472

50,334

45,461

Commission income from lending business

13,395

8,151

8,686

6,827

5,837

Commission income other services

59,711

57,069

58,082

64,599

63,392

Commission expenses

-44,286

-33,308

-44,581

-40,377

-36,700

Net income from commission business and service transactions

102,510

81,885

73,659

81,383

77,990

Net trading income

79,522

84,222

75,960

42,340

72,599

Results from the disposal of financial investments

20,525

2,632

6,187

7,237

193

Income from participations

52,322

51,311

62,799

44,249

51,477

Results from real estate

3,668

3,938

3,888

3,188

3,375

Other ordinary income

403,513

387,971

339,810

273,657

277,647

Other ordinary expenses

-34,243

-45,550

-39,262

-35,003

-33,389

Other ordinary profit

445,785

400,302

373,423

293,328

299,303

Operating income

752,123

675,290

634,261

531,879

573,414

Personnel expenses

-381,111

-354,690

-322,707

-320,583

-308,600

General and administrative expenses

-254,653

-255,880

-246,816

-164,015

-179,136

Operating expenses

-635,764

-610,571

-569,523

-484,598

-487,736

Value adjustments on participations and depreciation and amortisation of tangible fixed assets and intangible assets

-74,775

-133,589

-43,321

-41,189

-41,457

Changes to provisions and other value adjustments, and losses

-4,352

-5,650

866

-11,796

-15,761

Operating result

37,232

-74,520

22,283

-5,705

28,460

Extraordinary income

116,316

9,196

24,013

45,758

13,624

Extraordinary expenses

-673

-26,119

-4

-12,417

Changes in reserves for general banking risks

-101,000

140,450

-15,200

-2,000

8,000

Taxes

-5,035

-2,767

-1,064

-1,059

-1,086

Profit

46,840

46,240

30,028

36,994

36,582