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