Five-year overview
Balance sheet – five-year overview
in 1,000 CHF |
2018 |
2017 |
2016 |
2015 |
2014 |
Assets |
|
|
|
|
|
Liquid assets |
17,993,258 |
18,819,203 |
18,779,805 |
17,271,940 |
7,771,842 |
Amounts due from Raiffeisen banks |
3,023,050 |
2,655,902 |
2,923,285 |
3,758,642 |
3,953,353 |
Amounts due from other banks |
1,815,732 |
8,214,912 |
6,948,718 |
3,095,492 |
4,672,095 |
Amounts due from securities financing transactions |
4,920 |
51,371 |
13,204 |
51,801 |
474,223 |
Amounts due from clients |
3,490,328 |
2,441,407 |
2,274,938 |
2,237,698 |
2,051,802 |
Mortgage loans |
10,719,248 |
9,870,963 |
9,121,212 |
8,505,627 |
7,651,603 |
Trading portfolio assets |
1,027,521 |
1,325,870 |
1,282,433 |
1,311,118 |
1,735,756 |
Positive replacement values of derivative financial instruments |
1,310,767 |
1,632,217 |
1,604,991 |
1,633,087 |
1,682,705 |
Financial investments |
6,560,872 |
6,308,591 |
6,596,490 |
5,592,891 |
4,971,082 |
Accrued income and prepaid expenses |
227,896 |
228,036 |
239,406 |
267,760 |
243,034 |
Participations |
423,809 |
1,055,938 |
1,243,250 |
1,417,390 |
955,750 |
Tangible fixed assets |
232,866 |
195,321 |
249,126 |
260,309 |
263,319 |
Intangible assets |
4,234 |
6,653 |
18,145 |
22,984 |
– |
Other assets |
754,607 |
788,398 |
616,755 |
1,363,850 |
1,021,923 |
Total assets |
47,589,108 |
53,594,782 |
51,911,758 |
46,790,589 |
37,448,487 |
Liabilities |
|
|
|
|
|
Amounts due to Raiffeisen banks |
15,366,151 |
15,528,573 |
14,063,534 |
11,473,545 |
11,157,296 |
Amounts due to other banks |
6,410,927 |
13,676,261 |
14,047,052 |
10,448,545 |
7,221,460 |
Liabilities from securities financing transactions |
2,925,136 |
1,757,968 |
2,514,988 |
4,052,523 |
1,043,602 |
Amounts due in respect of customer deposits |
11,423,677 |
11,044,803 |
10,714,330 |
10,002,847 |
8,297,193 |
Trading portfolio liabilities |
69,530 |
133,799 |
138,207 |
105,139 |
121,490 |
Negative replacement values of derivative financial instruments |
1,535,839 |
1,610,794 |
1,825,313 |
2,134,730 |
2,148,635 |
Cash Bonds |
30,563 |
61,758 |
73,681 |
104,476 |
141,573 |
Bond issues and central mortgage institution loans |
7,021,981 |
6,836,274 |
5,743,882 |
5,562,865 |
5,306,195 |
Accrued expenses and deferred income |
310,936 |
289,993 |
266,380 |
251,615 |
245,490 |
Other liabilities |
436,675 |
458,400 |
433,423 |
445,930 |
410,363 |
Provisions |
128,373 |
16,685 |
16,834 |
16,656 |
24,697 |
Reserves for general banking risks |
9,297 |
259,450 |
158,450 |
298,900 |
283,700 |
Cooperative capital |
1,700,000 |
1,700,000 |
1,700,000 |
1,700,000 |
850,000 |
Statutory retained earnings reserve |
177,523 |
173,183 |
169,443 |
162,790 |
159,796 |
Profit |
42,500 |
46,840 |
46,240 |
30,028 |
36,994 |
Total equity capital |
1,929,320 |
2,179,473 |
2,074,133 |
2,191,718 |
1,330,490 |
Total liabilities |
47,589,108 |
53,594,781 |
51,911,757 |
46,790,589 |
37,448,485 |
Income statement – five-year overview
in 1,000 CHF |
2018 |
2017 |
2016 |
2015 |
2014 |
Interest and discount income |
303,687 |
320,123 |
372,806 |
439,900 |
499,590 |
Interest and dividend income from financial investments |
43,735 |
48,337 |
52,852 |
55,661 |
52,794 |
Interest expenses |
-192,056 |
-242,372 |
-302,113 |
-378,582 |
-440,310 |
Gross result from interest operations |
155,366 |
126,088 |
123,546 |
116,979 |
112,074 |
Changes in value adjustments for default risks and losses from interest operations |
-126,465 |
-1,782 |
-14,665 |
-5,760 |
2,753 |
Subtotal net result from interest operations |
28,901 |
124,306 |
108,881 |
111,219 |
114,828 |
Commission income securities trading and investment business |
77,588 |
73,690 |
49,973 |
51,472 |
50,334 |
Commission income from lending business |
16,267 |
13,395 |
8,151 |
8,686 |
6,827 |
Commission income other services |
63,010 |
59,711 |
57,069 |
58,082 |
64,599 |
Commission expenses |
-46,362 |
-44,286 |
-33,308 |
-44,581 |
-40,377 |
Net income from commission business and service transactions |
110,503 |
102,510 |
81,885 |
73,659 |
81,383 |
Net trading income |
78,138 |
79,522 |
84,222 |
75,960 |
42,340 |
Results from the disposal of financial investments |
2,607 |
20,525 |
2,632 |
6,187 |
7,237 |
Income from participations |
71,510 |
52,322 |
51,311 |
62,799 |
44,249 |
Results from real estate |
3,884 |
3,668 |
3,938 |
3,888 |
3,188 |
Other ordinary income |
401,193 |
403,513 |
387,971 |
339,810 |
273,657 |
Other ordinary expenses |
-42,905 |
-34,243 |
-45,550 |
-39,262 |
-35,003 |
Other ordinary profit |
436,289 |
445,785 |
400,302 |
373,423 |
293,328 |
Operating income |
653,831 |
752,123 |
675,290 |
634,261 |
531,879 |
Personnel expenses |
-383,815 |
-381,111 |
-354,690 |
-322,707 |
-320,583 |
General and administrative expenses |
-294,285 |
-254,653 |
-255,880 |
-246,816 |
-164,015 |
Operating expenses |
-678,100 |
-635,764 |
-610,571 |
-569,523 |
-484,598 |
Value adjustments on participations and depreciation and amortisation of tangible fixed assets and intangible assets |
-109,154 |
-74,775 |
-133,589 |
-43,321 |
-41,189 |
Changes to provisions and other value adjustments, and losses |
-117,910 |
-4,352 |
-5,650 |
866 |
-11,796 |
Operating result |
-251,333 |
37,232 |
-74,520 |
22,283 |
-5,705 |
Extraordinary income |
46,180 |
116,316 |
9,196 |
24,013 |
45,758 |
Extraordinary expenses |
-1 |
-673 |
-26,119 |
-4 |
– |
Changes in reserves for general banking risks |
250,153 |
-101,000 |
140,450 |
-15,200 |
-2,000 |
Taxes |
-2,500 |
-5,035 |
-2,767 |
-1,064 |
-1,059 |
Profit |
42,500 |
46,840 |
46,240 |
30,028 |
36,994 |