SWX:BCGE Income Statement

Financials in millions CHF. Fiscal year is January - December.

Millions CHF. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	468.31	603.78	572.93	306.47	249.8
Interest Income on Investments	34.69	29.87	17.45	5.7	4.6
Total Interest Income	503	633.64	590.37	312.17	254.4
Interest Paid on Deposits	155.19	246.21	192.58	20.81	3.63
Net Interest Income	347.8	387.44	397.79	291.36	250.78
Net Interest Income Growth (YoY)	-10.23%	-2.60%	36.53%	16.18%	2.37%
Income From Trading Activities	43.59	41.41	37.9	-	-
Gain (Loss) on Sale of Investments	15.34	-11.15	3.24	10.39	25.8
Other Non-Interest Income	164.37	153.02	136.88	178.16	184.28
Total Non-Interest Income	224.35	184.39	179.28	189.66	211.33
Non-Interest Income Growth (YoY)	21.67%	2.85%	-5.47%	-10.26%	39.87%
Revenues Before Loan Losses	572.15	571.82	577.07	481.02	462.11
Provision for Loan Losses	40.82	10.14	7.53	5.35	22.87
Revenue	531.34	561.69	569.54	475.67	439.24
Revenue Growth (YoY)	-5.40%	-1.38%	19.74%	8.29%	19.78%
Salaries and Employee Benefits	182.73	185.21	176.24	164.44	159.1
Occupancy Expenses	-	-	-	18.72	16.85
Selling, General & Administrative	-	15.56	12.83	11.44	10.44
Other Non-Interest Expense	95.18	102.58	118.76	106.09	98.55
Total Non-Interest Expense	277.91	303.35	307.82	300.68	284.93
EBT Excluding Unusual Items	253.43	258.34	261.72	174.99	154.31
Other Unusual Items	-0.14	0.14	10.48	34.58	0.01
Pretax Income	253.29	258.48	272.2	209.57	154.32
Income Tax Expense	32.4	39.28	40.96	33.62	29.09
Earnings From Continuing Operations	220.89	219.2	231.24	175.95	125.23
Minority Interest in Earnings	-	-	-	-0.06	-0.02
Net Income	220.89	219.2	231.24	175.89	125.21
Net Income to Common	220.89	219.2	231.24	175.89	125.21
Net Income Growth	0.77%	-5.21%	31.47%	40.47%	19.28%
Basic Shares Outstanding	-	71	71	71	72
Diluted Shares Outstanding	-	71	71	71	72
Shares Change (YoY)	-	-0.16%	0.23%	-1.16%	-
EPS (Basic)	-	3.08	3.24	2.47	1.74
EPS (Diluted)	-	3.08	3.24	2.47	1.74
EPS Growth	-	-5.05%	31.17%	42.12%	19.28%
Dividend Per Share	0.701	0.650	0.650	0.550	0.450
Dividend Growth	7.85%	-	18.18%	22.22%	20.00%
Effective Tax Rate	12.79%	15.20%	15.05%	16.04%	18.85%