Balance sheet

Assets

in CHF 1,000	31.12.2025	31.12.2024	Variance absolute	Variance in %
Cash and cash equivalents	1,005,508	644,311	361,197	56.1
Due from banks	765,298	846,811	–81,513	–9.6
maturing daily	722,916	489,271	233,645	47.8
other receivables	42,382	357,540	–315,158	–88.1
Due from customers	4,917,986	4,993,245	–75,259	–1.5
of which mortgage receivables	3,365,236	3,439,062	–73,826	–2.1
Debentures and other interest-bearing securities	1,954,351	2,148,620	–194,269	–9.0
money-market papers	157,414	171,749	–14,335	–8.3
from public-sector issuers	157,414	171,749	–14,335	–8.3
from other issuers	0	0	0	0.0
debt securities	1,796,937	1,976,871	–179,934	–9.1
from public-sector issuers	555,650	541,283	14,367	2.6
from other issuers	1,241,287	1,435,588	–194,301	–13.5
Equity shares and other non-interest-bearing securities	167,694	149,335	18,359	12.3
Participations	5,350	56	5,294	n.a.
Shares in affiliated companies	188,013	188,013	0	0.0
Intangible assets	41,934	45,222	–3,288	–7.3
Property and equipment	47,011	50,904	–3,893	–7.6
Treasury shares	30,927	31,780	–853	–2.7
Other assets	43,840	117,297	–73,457	–62.6
Accrued receivables and prepaid expenses	26,737	31,094	–4,357	–14.0
Total assets	9,194,649	9,246,688	–52,039	–0.6

in CHF 1,000	31.12.2025	31.12.2024	Variance absolute	Variance in %
Due to banks	2,368,060	2,337,864	30,196	1.3
maturing daily	834,382	729,306	105,076	14.4
with agreed duration or term of notice	1,533,678	1,608,558	–74,880	–4.7
Due to customers	5,534,983	5,652,450	–117,467	–2.1
savings deposits	397,790	379,451	18,339	4.8
other liabilities	5,137,193	5,272,999	–135,806	–2.6
maturing daily	4,100,609	4,098,975	1,634	0.0
with agreed duration or term of notice	1,036,584	1,174,024	–137,440	–11.7
Securitised liabilities	230,125	204,491	25,634	12.5
debentures issued	230,125	204,491	25,634	12.5
of which medium-term notes	75,125	49,491	25,634	51.8
Other liabilities	58,405	85,527	–27,122	–31.7
Accrued liabilities and deferred items	31,832	35,017	–3,185	–9.1
Provisions	6,072	7,537	–1,465	–19.4
tax provisions	2,714	715	1,999	279.5
other provisions	3,358	6,822	–3,464	–50.8
Provisions for general banking risks	63,150	63,150	0	0.0
Share capital	66,154	66,154	0	0.0
Capital reserves	47,049	47,049	0	0.0
Income reserves	609,576	607,993	1,583	0.3
legal reserves	239,800	239,800	0	0.0
reserves for treasury shares	30,927	31,780	–853	–2.7
other reserves	338,849	336,413	2,436	0.7
Balance brought forward	112,995	112,392	603	0.5
Net income for the year	66,248	27,064	39,184	144.8
Total liabilities and shareholders’ equity	9,194,649	9,246,688	–52,039	–0.6

in CHF 1,000	31.12.2025	31.12.2024	Variance absolute	Variance in %
Contingent liabilities	20,042	21,132	–1,090	–5.2
Credit risks	68,380	144,273	–75,893	–52.6
irrevocable facilities granted	68,380	144,273	–75,893	–52.6

Derivative financial instruments
positive replacement values	24,712	85,747	–61,035	–71.2
negative replacement values	22,831	18,904	3,927	20.8
contract volumes	5,563,351	4,721,885	841,466	17.8
Fiduciary transactions	189,275	340,609	–151,334	–44.4