{"text_format":"3","workbook":"xlsx","n_sheets":6,"sheets":["Cognos_Office_Connection_Cache","Cover","Vontobel","Institutional Clients","Private Clients","CoE – Reconciliation"],"not_rendered":{"images":2,"external_links":21,"defined_names":2439},"read":"whole","date_system":"1900"}

{"sheet":"Cognos_Office_Connection_Cache","index":0,"n_rows":0,"n_cols":0,"rows_kept":0,"hidden":true}

{"sheet":"Cover","index":1,"n_rows":0,"n_cols":0,"rows_kept":0}

{"sheet":"Vontobel","index":2,"n_rows":75,"n_cols":14,"rows_kept":75}
[]
[null,"VONTOBEL",2024,"2H24","1H24",2023,"2H23","1H23",2022,"2H22","1H22",2021,"2H21","1H21"]
[]
[null,"Income statement (CHF M)"]
[null,"Net interest income after credit losses",115.4,{"v":52.900000000000006,"d":"52.9"},62.5,179.7,85.2,94.5,101.4,{"v":68.80000000000001,"d":"68.8"},32.6,61.3,25.6,35.7]
[null,"Net fee and commission income",835.8,424.4,411.4,787.3,372.6,414.7,833.8,393.4,440.4,974.8,499.1,475.7]
[null,"Trading income and other income",471.4,{"v":217.59999999999997,"d":"217.6"},253.8,342.6,151.8,190.8,349.9,{"v":136.79999999999998,"d":"136.8"},213.1,499.5,231.3,268.2]
[null,"Operating income",{"v":1422.5,"d":"1,422.5"},694.8,727.7,{"v":1309.6,"d":"1,309.6"},609.6,{"v":700,"d":"700.0"},{"v":1285.1,"d":"1,285.1"},{"v":598.9999999999999,"d":"599.0"},686.1,{"v":1535.6,"d":"1,535.6"},{"v":756,"d":"756.0"},779.6]
[null,"Personnel expense",695.7,{"v":333.50000000000006,"d":"333.5"},362.2,{"v":685,"d":"685.0"},322.5,362.5,655.9,329.7,326.2,734.7,353.5,381.2]
[null,"General expense",260.9,{"v":126.69999999999999,"d":"126.7"},134.2,250.9,120.7,130.2,{"v":258.59999999999997,"d":"258.6"},{"v":129.29999999999998,"d":"129.3"},129.3,233.3,117.7,115.5]
[null,"of which Provisions and losses",6.8,5.8,{"v":1,"d":"1.0"},5.3,3.8,1.5,10.4,4.4,{"v":6,"d":"6.0"},7.9,3.8,{"v":4,"d":"4.0"}]
[null,"Depreciation of property, equipment and intangible assets",{"v":112,"d":"112.0"},{"v":54,"d":"54.0"},{"v":58,"d":"58.0"},{"v":106,"d":"106.0"},52.9,53.1,103.3,{"v":53,"d":"53.0"},50.2,100.4,{"v":51,"d":"51.0"},49.4]
[null,"Operating expense",{"v":1068.7,"d":"1,068.7"},514.2,554.5,{"v":1041.8999999999999,"d":"1,041.9"},{"v":496.10000000000014,"d":"496.1"},545.8,{"v":1017.7,"d":"1,017.7"},{"v":512,"d":"512.0"},505.7,{"v":1068.4,"d":"1,068.4"},522.2,546.2]
[null,"Profit before taxes",353.8,180.5,173.3,267.7,113.5,154.2,267.4,{"v":86.99999999999997,"d":"87.0"},180.4,467.2,233.8,233.4]
[null,"Taxes",87.7,44.7,{"v":43,"d":"43.0"},{"v":53,"d":"53.0"},26.4,26.6,37.5,8.5,{"v":29,"d":"29.0"},83.4,41.9,41.5]
[null,"Group net profit",266.1,135.8,130.3,214.7,87.1,127.6,229.8,78.4,151.4,383.8,191.9,191.8]
[null,"of which allocated to minority interests",{"$nulls":9},{"v":10,"d":"10.0"},0,{"v":10,"d":"10.0"}]
[null,"of which allocated to shareholders",266.1,135.8,130.3,{"v":214.70000000000005,"d":"214.7"},87.09999999999998,127.60000000000007,229.8,78.4,151.4,373.8,191.9,181.8]
[]
[null,"Adjustments to pre-tax profit (income)"]
[null,"Adjustments to pre-tax profit (expense)",16.6,{"v":8.000000000000002,"d":"8.0"},8.6,12.4,3.9000000000000004,8.5,5.2,5.2,0,9.1,0,9.1]
[null,"Adjusted pre-tax profit",370.4,{"v":188.49999999999997,"d":"188.5"},181.9,{"v":280.0999999999999,"d":"280.1"},117.39999999999989,162.70000000000005,272.6,92.20000000000002,180.4,476.3,233.8,242.5]
[]
[null,"Assets under management (CHF B)"]
[null,"Assets under management",229.1,229.1,225.9,206.8,206.8,211.9,204.4,204.4,208.6,243.7,243.7,244.2]
[null,"Net new money",2.6,{"v":0.30000000000000027,"d":"0.3"},2.3,-3.5,-2.6,-0.9,-5.2,-4.2,{"v":-1,"d":"-1.0"},8.1,1.5,6.6]
[]
[null,"Personnel (full-time equivalents)"]
[null,"Employees",{"v":2264.4,"d":"2,264.4"},{"v":2264.4,"d":"2,264.4"},{"v":2277.6,"d":"2,277.6"},{"v":2274.8,"d":"2,274.8"},{"v":2274.8,"d":"2,274.8"},{"v":2220.6,"d":"2,220.6"},{"v":2214.4,"d":"2,214.4"},{"v":2214.4,"d":"2,214.4"},{"v":2159.8,"d":"2,159.8"},{"v":2109.3,"d":"2,109.3"},{"v":2109.3,"d":"2,109.3"},{"v":2070.4,"d":"2,070.4"}]
[null,"of which in Switzerland",{"v":1856.7,"d":"1,856.7"},{"v":1856.7,"d":"1,856.7"},{"v":1873.5,"d":"1,873.5"},{"v":1869.3,"d":"1,869.3"},{"v":1869.3,"d":"1,869.3"},{"v":1810.7,"d":"1,810.7"},{"v":1801.1,"d":"1,801.1"},{"v":1801.1,"d":"1,801.1"},{"v":1738.3,"d":"1,738.3"},{"v":1694.8,"d":"1,694.8"},{"v":1694.8,"d":"1,694.8"},{"v":1669.2,"d":"1,669.2"}]
[null,"of which abroad",407.7,407.7,404.1,405.5,405.5,409.9,413.3,413.3,421.5,414.5,414.5,401.2]
[]
[null,"Balance sheet (CHF M)"]
[null,"Assets",{"v":32860.9,"d":"32,860.9"},{"v":32860.9,"d":"32,860.9"},{"v":33123.5,"d":"33,123.5"},{"v":29146,"d":"29,146.0"},{"v":29146,"d":"29,146.0"},{"v":32061.7,"d":"32,061.7"},{"v":30509.2,"d":"30,509.2"},{"v":30509.2,"d":"30,509.2"},{"v":32943,"d":"32,943.0"},{"v":32397.9,"d":"32,397.9"},{"v":32397.9,"d":"32,397.9"},{"v":33666.9,"d":"33,666.9"}]
[null,"of which loans",{"v":6200.9,"d":"6,200.9"},{"v":6200.9,"d":"6,200.9"},{"v":6624.9,"d":"6,624.9"},{"v":6312,"d":"6,312.0"},{"v":6312,"d":"6,312.0"},{"v":7139.8,"d":"7,139.8"},{"v":7462.3,"d":"7,462.3"},{"v":7462.3,"d":"7,462.3"},{"v":7115.8,"d":"7,115.8"},{"v":7102.5,"d":"7,102.5"},{"v":7102.5,"d":"7,102.5"},{"v":6956.6,"d":"6,956.6"}]
[null,"of which goodwill and other intangibles",592.8,592.8,603.6,613.6,613.6,623.9,629.6,629.6,538.2,{"v":547,"d":"547.0"},{"v":547,"d":"547.0"},554.7]
[null,"Liabilities",{"v":30630.2,"d":"30,630.2"},{"v":30630.2,"d":"30,630.2"},{"v":30960.2,"d":"30,960.2"},{"v":27053.7,"d":"27,053.7"},{"v":27053.7,"d":"27,053.7"},{"v":30053.7,"d":"30,053.7"},{"v":28490.6,"d":"28,490.6"},{"v":28490.6,"d":"28,490.6"},{"v":30957,"d":"30,957.0"},{"v":30329,"d":"30,329.0"},{"v":30329,"d":"30,329.0"},{"v":31707.5,"d":"31,707.5"}]
[null,"of which due to customers",{"v":11353.4,"d":"11,353.4"},{"v":11353.4,"d":"11,353.4"},{"v":10967.5,"d":"10,967.5"},{"v":9951.5,"d":"9,951.5"},{"v":9951.5,"d":"9,951.5"},{"v":11453.7,"d":"11,453.7"},{"v":13240.9,"d":"13,240.9"},{"v":13240.9,"d":"13,240.9"},{"v":15207.3,"d":"15,207.3"},{"v":14793.3,"d":"14,793.3"},{"v":14793.3,"d":"14,793.3"},{"v":14645.9,"d":"14,645.9"}]
[null,"Shareholders' equity (excl. minority interests)",{"v":2230.6,"d":"2,230.6"},{"v":2230.6,"d":"2,230.6"},{"v":2163.3,"d":"2,163.3"},{"v":2092.4,"d":"2,092.4"},{"v":2092.4,"d":"2,092.4"},{"v":2008,"d":"2,008.0"},{"v":2018.6,"d":"2,018.6"},{"v":2018.6,"d":"2,018.6"},{"v":1986.1,"d":"1,986.1"},{"v":2068.9,"d":"2,068.9"},{"v":2068.9,"d":"2,068.9"},{"v":1959.4,"d":"1,959.4"}]
[null,"Tangible book value",{"v":1637.8,"d":"1,637.8"},{"v":1637.8,"d":"1,637.8"},{"v":1559.7,"d":"1,559.7"},{"v":1478.8,"d":"1,478.8"},{"v":1478.8,"d":"1,478.8"},{"v":1384.1,"d":"1,384.1"},{"v":1389,"d":"1,389.0"},{"v":1389,"d":"1,389.0"},{"v":1447.9,"d":"1,447.9"},{"v":1521.9,"d":"1,521.9"},{"v":1521.9,"d":"1,521.9"},{"v":1404.7,"d":"1,404.7"}]
[]
[null,"Capital"]
[null,"Risk-weighted positions (CHF M)",{"v":7518.6,"d":"7,518.6"},{"v":7518.6,"d":"7,518.6"},{"v":6918.5,"d":"6,918.5"},{"v":6523.9,"d":"6,523.9"},{"v":6523.9,"d":"6,523.9"},{"v":6691.1,"d":"6,691.1"},{"v":6304.1,"d":"6,304.1"},{"v":6304.1,"d":"6,304.1"},{"v":6414.5,"d":"6,414.5"},{"v":6617.3,"d":"6,617.3"},{"v":6617.3,"d":"6,617.3"},{"v":7452.7,"d":"7,452.7"}]
[null,"Common equity tier 1 capital (CHF M)",{"v":1210.3,"d":"1,210.3"},{"v":1210.3,"d":"1,210.3"},{"v":1266.3,"d":"1,266.3"},{"v":1220.1,"d":"1,220.1"},{"v":1220.1,"d":"1,220.1"},{"v":1155.5,"d":"1,155.5"},{"v":1052.7,"d":"1,052.7"},{"v":1052.7,"d":"1,052.7"},{"v":1186.5,"d":"1,186.5"},{"v":1100.7,"d":"1,100.7"},{"v":1100.7,"d":"1,100.7"},{"v":1078.4,"d":"1,078.4"}]
[null,"Common equity tier 1 capital ratio (%)",16.1,16.1,18.3,18.7,18.7,17.3,16.7,16.7,18.5,16.6,16.6,14.5]
[null,"Tier 1 capital (CHF M)",{"v":1574.9,"d":"1,574.9"},{"v":1574.9,"d":"1,574.9"},{"v":1629.8,"d":"1,629.8"},{"v":1552.3,"d":"1,552.3"},{"v":1552.3,"d":"1,552.3"},{"v":1605.3,"d":"1,605.3"},{"v":1502.3,"d":"1,502.3"},{"v":1502.3,"d":"1,502.3"},{"v":1635.9,"d":"1,635.9"},{"v":1549.8,"d":"1,549.8"},{"v":1549.8,"d":"1,549.8"},{"v":1527.2,"d":"1,527.2"}]
[null,"Tier 1 capital ratio (%)",20.9,20.9,23.6,23.8,23.8,{"v":24,"d":"24.0"},23.8,23.8,25.5,23.4,23.4,20.5]
[null,"Leverage ratio (%)",4.8,4.8,4.9,5.4,5.4,{"v":5,"d":"5.0"},{"v":5,"d":"5.0"},{"v":5,"d":"5.0"},{"v":5,"d":"5.0"},4.9,4.9,4.5]
[]
[null,"Financial ratios (%)"]
[null,"Loan-to-deposit ratio",54.6,54.6,60.4,63.4,63.4,62.3,56.4,56.4,46.8,{"v":48,"d":"48.0"},{"v":48,"d":"48.0"},47.5]
[null,"Share of fee and commission income",58.8,61.1,56.5,60.1,61.1,59.2,64.9,65.7,64.2,63.5,{"v":66,"d":"66.0"},{"v":61,"d":"61.0"}]
[null,"Cost/income ratio",74.7,73.2,76.1,79.2,80.8,77.8,78.4,84.7,72.8,69.1,68.6,69.5]
[null,"Adjusted cost/income ratio",73.5,{"v":72,"d":"72.0"},74.9,78.2,80.1,76.5,{"v":78,"d":"78.0"},83.9,72.8,68.5,68.6,68.4]
[null,"Personnel expense ratio",48.9,{"v":48,"d":"48.0"},49.8,52.3,52.9,51.8,{"v":51,"d":"51.0"},{"v":55,"d":"55.0"},47.5,47.8,46.8,48.9]
[null,"Tax rate",24.8,24.8,24.8,19.8,23.3,17.3,{"v":14,"d":"14.0"},9.8,16.1,17.9,17.9,17.8]
[null,"Return on equity",12.3,12.3,12.3,10.5,8.5,12.5,11.2,7.8,14.6,18.8,{"v":19,"d":"19.0"},18.7]
[null,"Return on tangible equity1",16.9,16.6,17.2,14.8,{"v":12,"d":"12.0"},17.8,15.5,11,19.7,25.9,{"v":26,"d":"26.0"},25.9]
[null,"Return on CET1 capital1",22.1,23.4,20.6,18.7,18.3,22.8,20.4,14.2,26.2,{"v":34,"d":"34.0"},{"v":35,"d":"35.0"},33.1]
[]
[null,"Share"]
[null,"Share price (CHF)",{"v":63.6,"d":"63.60"},{"v":63.6,"d":"63.60"},{"v":53.8,"d":"53.80"},{"v":54.5,"d":"54.50"},{"v":54.5,"d":"54.50"},{"v":56.7,"d":"56.70"},{"v":61.3,"d":"61.30"},{"v":61.3,"d":"61.30"},{"v":67.1,"d":"67.10"},{"v":79.9,"d":"79.90"},{"v":79.9,"d":"79.90"},{"v":72.1,"d":"72.10"}]
[null,"Number of shares outstanding2",{"v":55699652,"d":"55,699,652"},{"v":55699652,"d":"55,699,652"},{"v":56259405,"d":"56,259,405"},{"v":55274471,"d":"55,274,471"},{"v":55274471,"d":"55,274,471"},{"v":55814870,"d":"55,814,870"},{"v":55202760,"d":"55,202,760"},{"v":55202760,"d":"55,202,760"},{"v":55754781,"d":"55,754,781"},{"v":55235116,"d":"55,235,116"},{"v":55235116,"d":"55,235,116"},{"v":56117176,"d":"56,117,176"}]
[null,"Undiluted weighted average number of shares",{"v":55938434,"d":"55,938,434"},{"v":55652600,"d":"55,652,600"},{"v":56224268,"d":"56,224,268"},{"v":55597402,"d":"55,597,402"},{"v":55444756,"d":"55,444,756"},{"v":55750049,"d":"55,750,049"},{"v":55604823,"d":"55,604,823"},{"v":55604823,"d":"55,604,823"},{"v":55765783,"d":"55,765,783"},{"v":55872743,"d":"55,872,743"},{"v":55555829,"d":"55,555,829"},{"v":56189656,"d":"56,189,656"}]
[null,"Market capitalization (CHF M)",{"v":3542.5,"d":"3,542.5"},{"v":3542.5,"d":"3,542.5"},{"v":3026.8,"d":"3,026.8"},{"v":3012.5,"d":"3,012.5"},{"v":3012.5,"d":"3,012.5"},{"v":3164.7,"d":"3,164.7"},{"v":3383.9,"d":"3,383.9"},{"v":3383.9,"d":"3,383.9"},{"v":3741.1,"d":"3,741.1"},{"v":4413.3,"d":"4,413.3"},{"v":4413.3,"d":"4,413.3"},{"v":4046,"d":"4,046.0"}]
[null,"Basic earnings per share (CHF) ",4.76,2.44,2.32,3.86,1.57,2.29,4.13,1.42,2.71,6.69,3.45,3.24]
[null,"Book value per share (CHF)",40.05,40.05,38.45,37.85,37.85,35.98,36.57,36.57,35.62,37.46,37.46,34.92]
[null,"Tangible book value per share (CHF)",{"v":29.4,"d":"29.40"},{"v":29.4,"d":"29.40"},27.72,26.75,26.75,{"v":24.8,"d":"24.80"},25.16,25.16,25.97,27.55,27.55,25.03]
[null,"Dividend per share (CHF)",{"v":3,"d":"3.00"},null,null,{"v":3,"d":"3.00"},null,null,{"v":3,"d":"3.00"},null,null,{"v":3,"d":"3.00"}]
[null,"Dividend yield3 (%)",{"v":4.7,"d":"4.70"},null,null,{"v":5.5,"d":"5.50"},null,null,{"v":4.9,"d":"4.90"},null,null,3.75]
[null,"Payout ratio (%)",64,null,null,78,null,null,73,null,null,45]
[]
[null,"1 Full-year figures up to FY 2020 based on three point period end averages and half year figures based on period end averages"]
[null,"2 At end of period; shares issued net of treasury shares"]
[null,"3 Dividend per share / share price at year-end"]

{"sheet":"Institutional Clients","index":3,"n_rows":28,"n_cols":14,"rows_kept":28}
[]
[null,"INSTITUTIONAL CLIENTS",2024,"2H24","1H24",2023,"2H23","1H23",2022,"2H22","1H22",2021,"2H21","1H21"]
[]
[null,"Income statement (CHF M)"]
[null,"Net interest income after credit losses",1.1,{"v":0.6000000000000001,"d":"0.6"},0.5,1.8,{"v":1,"d":"1.0"},0.8,0.3,0.4,-0.1,-0.3,-0.4,0.1]
[null,"Net fee and commission income",397.4,{"v":200.79999999999998,"d":"200.8"},196.6,382.1,179.9,202.2,457.6,209.9,247.7,592.6,303.6,{"v":289,"d":"289.0"}]
[null,"Trading income and other operating income",0.9,0.7,0.2,0.2,0.3,-0.1,-1.2,-0.7,-0.5,1.8,0.3,1.5]
[null,"Operating income",399.4,{"v":201.99999999999997,"d":"202.0"},197.4,384.1,181.1,{"v":203,"d":"203.0"},456.6,209.5,247.1,594.1,303.6,290.5]
[null,"Personnel expense",58.5,29.1,29.4,61.1,{"v":26,"d":"26.0"},35.1,66.3,32.4,33.9,82.3,43.4,38.9]
[null,"General expense",18.2,8.6,9.6,18.7,8.9,9.8,22.9,12,{"v":11,"d":"11.0"},12.4,7.1,5.3]
[null,"of which Provisions and losses",0.2,0.1,0.1,0.7,0.6,0.1,0.6,0.3,0.4,0,0,0]
[null,"Depreciation of property, equipment and intangible assets",3.1,1.5,1.6,3.1,1.6,1.5,{"v":3,"d":"3.0"},1.5,1.5,3.9,1.8,2.1]
[null,"Operating expense",79.8,{"v":39.199999999999996,"d":"39.2"},40.6,82.9,36.5,46.4,92.2,45.8,46.4,98.7,52.5,46.2]
[null,"Profit before taxes",319.5,162.7,156.8,301.3,144.7,156.6,364.4,163.7,200.7,495.4,251.1,244.3]
[]
[null,"Assets under management (CHF B)"]
[null,"Assets under management",110.8,110.8,111.4,103.3,103.3,108.7,107.2,107.2,118.3,142.9,142.9,147.6]
[null,"Average assets under management",109.3,{"v":111,"d":"111.0"},{"v":108,"d":"108.0"},107.1,105.2,109.1,122.6,112.7,131.7,{"v":142,"d":"142.0"},144.8,139.6]
[null,"Net new money",-2.9,-2.8,-0.1,-7.6,-4.6,{"v":-3,"d":"-3.0"},-10.6,-6.6,{"v":-4,"d":"-4.0"},1.9,{"v":-1,"d":"-1.0"},2.9]
[]
[null,"Personnel (full-time equivalents)"]
[null,"Employees",168.7,168.7,176.6,{"v":179,"d":"179.0"},{"v":179,"d":"179.0"},190.7,193.2,193.2,198.9,180.8,180.8,174.8]
[]
[null,"Financial ratios"]
[null,"NNM growth1 (%)",-2.8,{"v":-5,"d":"-5.0"},-0.2,-7.1,-8.6,-5.6,-7.4,-11.2,-5.7,1.4,-1.5,4.3]
[null,"Operating income margin (bp)",{"v":37,"d":"37.0"},36,37,36,34,37,37,37,38,42,42,42]
[]
[null,"1 Half-year figures are annualized"]

{"sheet":"Private Clients","index":4,"n_rows":30,"n_cols":14,"rows_kept":30}
[]
[null,"PRIVATE CLIENTS",2024,"2H24","1H24",2023,"2H23","1H23",2022,"2H22","1H22",2021,"2H21","1H21"]
[]
[null,"Income statement (CHF M)"]
[null,"Net interest income after credit losses",174.4,81.7,92.7,206.8,98.9,107.9,117.8,78.7,39.1,51.4,22.8,28.6]
[null,"Net fee and commission income",474.4,240.3,234.1,438.4,212.4,{"v":226,"d":"226.0"},409.4,197.6,211.8,420.5,233.6,186.9]
[null,"Trading income and other operating income",367.7,163.7,{"v":204,"d":"204.0"},264.4,115.3,149.1,309.6,116,193.6,484.3,206.6,277.7]
[null,"Operating income",{"v":1016.5,"d":"1,016.5"},485.7,530.8,909.6,426.5,483.1,836.8,392.3,444.5,956.2,{"v":463,"d":"463.0"},493.2]
[null,"of which Structured solutions",278.3,125.6,152.7,204.5,83.1,121.3,240.8,82,158.8,395.3,181.7,213.7]
[null,"Personnel expense",{"v":214,"d":"214.0"},107.4,106.6,216.8,110.5,106.3,196.2,106.4,89.8,201.3,106.2,95.1]
[null,"General expense",48.4,25.4,{"v":23,"d":"23.0"},49.6,26.2,23.5,{"v":45,"d":"45.0"},27.7,17.3,27.5,17.1,10.4]
[null,"of which Provisions and losses",5.5,4.7,0.8,3.2,2.1,1.1,{"v":3,"d":"3.0"},0.7,2.3,5.4,3.5,1.9]
[null,"Depreciation of property, equipment and intangible assets",22.3,9.9,12.4,12.9,6.5,6.4,10.6,6.1,4.5,9.1,4.2,4.9]
[null,"Operating expense",284.7,142.8,141.9,279.3,143.1,136.2,251.9,140.3,111.6,237.9,127.5,110.4]
[null,"Profit before taxes",731.8,342.9,388.9,630.3,283.4,346.9,{"v":585,"d":"585.0"},252,{"v":333,"d":"333.0"},718.4,335.6,382.8]
[]
[null,"Assets under management (CHF B)"]
[null,"Assets under management",110.6,110.6,108.8,{"v":98,"d":"98.0"},{"v":98,"d":"98.0"},98.7,93.1,93.1,86.3,96.6,96.6,92.9]
[null,"Average assets under management",105.4,108.1,104.6,96.6,97.4,{"v":96,"d":"96.0"},91.5,90.7,91.7,90.1,93.8,86.6]
[null,"Net new money",4.6,2.2,2.4,3.2,1.1,2.1,5.4,2.4,{"v":3,"d":"3.0"},5.7,2.6,3.1]
[]
[null,"Personnel (full-time equivalents)"]
[null,"Employees",720.6,720.6,730.2,729.4,729.4,669.1,673.9,673.9,617.5,603.9,603.9,609.4]
[null,"of which relationship managers",348.9,348.9,355.1,357.9,357.9,320.1,315.6,315.6,301.9,297.3,297.3,301.6]
[]
[null,"Financial ratios"]
[null,"NNM growth1 (%)",4.7,{"v":4,"d":"4.0"},4.9,3.4,2.2,4.5,5.6,5.6,6.2,6.9,5.6,7.5]
[null,"Operating income margin (bp)",96,90,101,94,88,101,91,87,97,106,99,114]
[]
[null,"1 Half-year figures are annualized"]

{"sheet":"CoE – Reconciliation","index":5,"n_rows":22,"n_cols":14,"rows_kept":22}
[]
[null,"CENTERS OF EXCELLENCE / RECONCILIATION",2024,"2H24","1H24",2023,"2H23","1H23",2022,"2H22","1H22",2021,"2H21","1H21"]
[]
[null,"Income statement (CHF M)"]
[null,"Net interest income after credit losses",-60.2,-29.5,-30.7,-28.9,-14.7,-14.2,-16.7,-10.3,-6.4,10.2,3.2,{"v":7,"d":"7.0"}]
[null,"Net fee and commission income",{"v":-36,"d":"-36.0"},-16.7,-19.3,-33.2,-19.7,-13.5,-33.2,-14.1,-19.1,-38.3,-38.1,-0.2]
[null,"Trading income and other operating income",102.8,53.2,49.6,{"v":78,"d":"78.0"},36.2,41.8,41.5,21.5,{"v":20,"d":"20.0"},13.4,24.4,{"v":-11,"d":"-11.0"}]
[null,"Operating income",6.6,7.1,-0.5,15.9,{"v":2,"d":"2.0"},13.9,-8.3,-2.8,-5.5,-14.7,-10.6,-4.1]
[null,"Personnel expense",423.2,{"v":197,"d":"197.0"},226.2,407.1,{"v":186,"d":"186.0"},221.1,393.4,190.9,202.5,451.1,203.9,247.2]
[null,"General expense",194.3,92.7,101.6,182.6,85.6,96.9,190.7,89.6,{"v":101,"d":"101.0"},193.4,93.5,99.8]
[null,"of which Provisions and losses",{"v":1,"d":"1.0"},0.9,0.1,1.4,1.1,0.3,6.8,3.4,3.3,2.5,0.3,2.1]
[null,"Depreciation of property, equipment and intangible assets",86.6,42.6,{"v":44,"d":"44.0"},{"v":90,"d":"90.0"},44.8,45.2,89.7,45.4,44.2,87.4,{"v":45,"d":"45.0"},42.4]
[null,"Operating expense",704.1,332.1,{"v":372,"d":"372.0"},679.7,316.5,363.2,673.6,325.9,347.7,731.8,342.2,389.6]
[null,"Profit before taxes",-697.5,-325.1,-372.4,-663.9,-314.5,-349.3,{"v":-682,"d":"-682.0"},-328.7,-353.3,-746.6,-352.9,-393.7]
[]
[null,"Assets under management (CHF B)"]
[null,"Assets under management",7.7,7.7,5.8,5.5,5.5,4.5,4.1,4.1,{"v":4,"d":"4.0"},4.2,4.2,3.7]
[]
[null,"Net new money",0.8,0.8,{"v":0,"d":"0.0"},0.9,0.9,{"v":0,"d":"0.0"},0,{"v":0,"d":"0.0"},0,0.5,-0.1,0.6]
[]
[null,"Personnel (full-time equivalents)"]
[null,"Employees",{"v":1375.1,"d":"1,375.1"},{"v":1375.1,"d":"1,375.1"},{"v":1370.9,"d":"1,370.9"},{"v":1366.4,"d":"1,366.4"},{"v":1366.4,"d":"1,366.4"},{"v":1360.7999999999997,"d":"1,360.8"},{"v":1347.3000000000002,"d":"1,347.3"},{"v":1347.3000000000002,"d":"1,347.3"},{"v":1343.4,"d":"1,343.4"},{"v":1324.6000000000004,"d":"1,324.6"},{"v":1324.6000000000004,"d":"1,324.6"},{"v":1286.2000000000003,"d":"1,286.2"}]