1 Interest income
in CHF 1,000 | 01.01.– 30.06.2025 | 01.01.– 30.06.2024 | Variance absolute | Variance in % |
Discount income | 2,915 | 3,858 | –943 | –24.4 |
Loan commissions with the character of interest | 249 | 436 | –187 | –42.9 |
Interest income from banks | 11,265 | 29,990 | –18,725 | –62.4 |
Interest income from customers | 63,078 | 83,741 | –20,663 | –24.7 |
Interest income from financial instruments measured at amortised cost | 20,131 | 22,145 | –2,014 | –9.1 |
Interest income from financial liabilities | 3 | 8 | –5 | –62.5 |
Total interest income from financial instruments at amortised cost | 97,641 | 140,178 | –42,537 | –30.3 |
Interest-rate instruments | –17 | 170 | –187 | –110.0 |
Forward components from foreign currency contracts1 | 48,302 | 45,821 | 2,481 | 5.4 |
Hedge accounting | 0 | –6 | 6 | 100.0 |
Total other interest income1 | 48,285 | 45,985 | 2,300 | 5.0 |
Total interest income1 | 145,926 | 186,163 | –40,237 | –21.6 |
Interest expenses on amounts due to banks | 303 | 571 | –268 | –46.9 |
Interest expenses on amounts due to customers | 71,601 | 108,392 | –36,791 | –33.9 |
Interest expenses on medium-term notes | 206 | 240 | –34 | –14.2 |
Interest expenses on debentures issued | 466 | 876 | –410 | –46.8 |
Interest expenses from financial assets | 3 | 7 | –4 | –57.1 |
Interest expenses on right-of-use assets | 113 | 145 | –32 | –22.1 |
Total interest expenses using the effective interest method | 72,692 | 110,231 | –37,539 | –34.1 |
Total net interest income1 | 73,234 | 75,932 | –2,698 | –3.6 |
Fair-value hedges | ||||
Movements arising from hedges | –5 | –216 | 211 | 97.7 |
Micro fair-value hedges | –5 | –216 | 211 | 97.7 |
Movements in underlying transactions | 5 | 210 | –205 | –97.6 |
Micro fair-value hedges | 5 | 210 | –205 | –97.6 |
Total hedge accounting | 0 | –6 | 6 | 100.0 |
1Changes to presentation (note 3 and principles underlying financial statement reporting). The prior-year comparative figures were increased by CHF 23.4 million.