Operating segments

Payment

Consumer
Finance

Internal
Financing

Total operating segments

Corporate
Functions /
Consolidation

Consolidated

In 1,000 CHF

2015

2014
represented

2015

2014
represented

2015

2014
represented

2015

2014
represented

2015

2014
represented

2015

2014
represented

Commission income

185,404

199,179

0

0

14,799

14,860

200,203

214,039

0

0

200,203

214,039

Annual fees

97,228

88,017

0

0

0

0

97,228

88,017

0

0

97,228

88,017

Interest income

15,424

19,909

91,324

91,220

29,951

39,405

136,699

150,534

(32,864)

(47,121)

103,835

103,413

Other income

55,638

72,778

6,639

7,232

54,297

53,132

116,574

133,142

(33,783)

(33,454)

82,791

99,689

Total revenue

353,694

379,883

97,963

98,452

99,047

107,397

550,704

585,732

(66,647)

(80,575)

484,057

505,158


Processing and service expenses

90,004

97,053

1,004

1,138

0

0

91,008

98,191

(459)

(101)

90,549

98,090

Distribution, advertising and promotion expenses

85,944

104,010

18,214

16,818

4

3

104,162

120,831

(9,536)

(8,309)

94,626

112,522

Interest expenses

13,093

18,106

19,171

23,300

32,324

37,547

64,588

78,953

(39,706)

(53,553)

24,882

25,400

Impairment losses from Payment and Consumer Finance

3,944

4,580

11,689

10,892

0

0

15,633

15,472

0

0

15,633

15,472

Personnel expenses

81,845

75,520

18,369

17,735

695

650

100,909

93,905

(66)

(79)

100,843

93,826

Other expenses

51,559

48,566

12,702

13,232

5,094

8,137

69,355

69,935

(19,690)

(17,022)

49,665

52,913

Depreciation

4,098

3,684

656

533

412

349

5,166

4,566

493

488

5,659

5,054

Amortisation

9,098

9,334

6,258

7,616

2,648

2,192

18,004

19,142

124

124

18,128

19,266

Total expense

339,585

360,853

88,063

91,264

41,177

48,878

468,825

500,995

(68,840)

(78,452)

399,985

422,543


Results from operating activities

14,109

19,030

9,900

7,188

57,870

58,520

81,879

84,738

2,193

(2,122)

84,072

82,615


Income from associates

3,024

3,318

0

0

0

0

3,024

3,318

0

0

3,024

3,318

Profit before income tax

17,133

22,347

9,900

7,188

57,870

58,520

84,903

88,055

2,193

(2,122)

87,096

85,933


Income tax expenses

3,069

4,187

2,378

1,296

6,693

6,358

12,140

11,842

339

(7)

12,479

11,835

Profit for the period

14,064

18,160

7,522

5,891

51,177

52,162

72,763

76,213

1,854

(2,115)

74,617

74,098