Consolidated income statement

in CHF 1,000	Note	01.01.– 30.06.2026	01.01.– 30.06.2025	Variance absolute	Variance in %
Interest income from financial instruments at amortised cost		78,286	97,641	–19,355	–19.8
Other interest income		43,098	48,285	–5,187	–10.7
Interest expense using the effective interest method		51,718	72,692	–20,974	–28.9
Total net interest income	1, 18	69,666	73,234	–3,568	–4.9
Commission income		86,200	79,428	6,772	8.5
Commission expenses		11,820	10,410	1,410	13.5
Total net income from commission business and services	2	74,380	69,018	5,362	7.8
Income from trading activities	3	16,309	18,942	–2,633	–13.9
Income from financial instruments	4	9,984	8,804	1,180	13.4
Other income	5	1,221	5,356	–4,135	–77.2
Total operating income		171,560	175,354	–3,794	–2.2

Personnel expenses	6	83,168	85,893	–2,725	–3.2
General and administrative expenses	7	36,977	41,913	–4,936	–11.8
Depreciation of property, equipment and intangible assets	8, 18	13,194	14,997	–1,803	–12.0
Credit loss expenses	9	–77	–458	381	83.2
Provisions and losses	9	1,942	496	1,446	291.5
Operating expenses		135,204	142,841	–7,637	–5.3

Earnings before income tax		36,356	32,513	3,843	11.8

Taxes on income	10	3,926	3,725	201	5.4
Group net income		32,430	28,788	3,642	12.7


Share information (in CHF)
Undiluted group net income per registered share A	11	5.18	4.63
Undiluted group net income per registered share B	11	0.52	0.46

Diluted group net income per registered share A	11	5.15	4.61
Diluted group net income per registered share B	11	0.51	0.46