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