Introduction
Financial Highlights
New Commitment
3 296
CHF M
Income from INSURANCE
132
CHF M
Proportion of SMEs in the Client Base
76
%
Jobs secured
21 000
INDEMNITY PAYMENTS
55
CHF M
Economic Viability
60
CHF M
The surplus cover in the economic viability calculation amounted to CHF 60 million.
COMMITMENT
COMMITMENT BY INDUSTRY
in CHF million, as at 31 December
COMMITMENT BY OECD COUNTRY RISK CATEGORY
in CHF million, as at 31 December
8 315
CHF m
|
Obligation in CHF million |
|
31.12.2022 |
|
31.12.2021 |
|
Framework of obligation |
|
14 000 |
|
14 000 |
|
Insurance obligations |
|
10 174 |
|
9 924 |
|
|
|
|
|
|
|
Current exposure in CHF million |
|
31.12.2022 |
|
31.12.2021 |
|
Commitment : insurance policies (IP) |
|
8 315 |
|
7 089 |
|
Insurance commitments in principle (ICP) |
|
1 859 |
|
2 835 |
|
Exposure |
|
10 174 |
|
9 924 |
|
|
|
|
|
|
|
New exposure in CHF million |
|
2022 |
|
2021 |
|
New commitment : insurance policies (IP) |
|
3 296 |
|
1 933 |
|
Insurance commitments in principle (ICP) |
|
1 434 |
|
2 714 |
|
|
|
|
|
|
|
Balance sheet in CHF million |
|
31.12.2022 |
|
31.12.2021 |
|
Cash in hand & at bank and cash investments |
|
3 187 |
|
3 036 |
|
Claims from losses and restructuring |
|
176 |
|
203 |
|
Credit balances from debt rescheduling agreements |
|
95 |
|
118 |
|
Unearned premiums and provisions |
|
585 |
|
524 |
|
Capital |
|
2 879 |
|
2 832 |
|
|
|
|
|
|
|
Income statement in CHF million |
|
2022 |
|
2021 |
|
Earned premiums |
|
121 |
|
79 |
|
Interest income from debt rescheduling agreements |
|
10 |
|
11 |
|
Loss expenses |
|
– 97 |
|
6 |
|
Debt rescheduling results |
|
15 |
|
12 |
|
Profit / loss on insurance |
|
49 |
|
108 |
|
Personnel expenses |
|
– 17 |
|
– 15 |
|
Non-personnel expenses |
|
– 8 |
|
– 9 |
|
Financial income |
|
1 |
|
– |
|
Other income |
|
4 |
|
4 |
|
Operating profit / loss |
|
29 |
|
88 |
|
Interest income from cash investments |
|
17 |
|
– |
|
Net income (NI) |
|
47 |
|
88 |
|
|
|
|
|
|
|
Number of employees * |
|
|
|
|
|
Number |
|
79 |
|
78 |
|
Full-time equivalents |
|
72.2 |
|
71.1 |
|
Average number of full-time equivalents by year |
|
72.5 |
|
70.7 |
*Including IT project employees