Key figures

as at 30 June 2019

in million CHF

1.1.-30.6.2019

1.1.-30.6.2018

Change in %

Key figures

 

 

 

Gross result from interest operations

1,133

1,148

-1.4

Operating income

1,518

1,636

-7.2

Operating expenses

934

1,000

-6.6

Operating result

446

517

-13.7

Group profit

355

416

-14.7

Cost income ratio

61.5%

61.1%

 

 

 

 

 

 

 

 

 

 

 

 

 

in million CHF

30.06.2019

31.12.2018

Change in %

Key balance sheet figures

 

 

 

Total assets

234,974

225,333

4.3

Loans to clients

190,773

187,694

1.6

of which mortgage receivables

182,194

179,558

1.5

Amounts due in respect of customer deposits

170,255

165,701

2.7

Customer deposits in % of loans to clients

89.2%

88.3%

 

Total equity capital

16,866

16,480

2.3

Capital resources 1

 

 

 

Common Equity Tier 1 (CET1)

16,548

16,408

 

CET1 ratio

16.2%

16.5%

 

Total capital ratio

17.4%

17.8%

 

TLAC ratio

17.7%

18.0%

 

Leverage ratio

7.4%

7.6%

 

TLAC leverage ratio

7.6%

7.7%

 

Market data

 

 

 

Share of mortgage market 2

17.5%

17.6%

 

Number of cooperative members

1,903,237

1,897,369

0.3

Client assets

 

 

 

Client assets under management

203,712

196,070

3.9

Lending business

 

 

 

Value adjustments for default risks

254

259

-1.9

as % of loans to clients

0.133%

0.138%

 

Resources

 

 

 

Number of employees

10,920

10,947

-0.2

Number of full-time positions

9,190

9,215

-0.3

Number of locations

861

880

-2.2

1 according to FINMA Circular 2016/1, as at 30 june 2019 without result of the period

2 expected market share as at 30 june 2019