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Agenda
Key messages

Results for the 1st half of 2013

Client Groups Balance Sheet Key Figures

Key messages
Pre-tax Profit of CHF 16.6m Climbing earnings with better market conditions

19.9%

Key messages
Total Assets under Custody of CHF 9.3bn - Net New Monies of CHF 380m

Total assets under Custody at its highest: CHF 9267 million

Net new monies of CHF 380 million in the first semester 2013

Key messages
4568 new client accounts over the last 12 months to 204812 in total 1807 during the second quarter 2013

Key messages
Successful partnership with BLKB Over CHF 265m mortgages

Key messages
Recovering TPCPY

Key messages
Swiss DOTS
13.8%

9500 transactions in June 2013, 42000 products and 16.3 % market share

Results for the 1st half of 2013

Revenues & Profitability

5.1%

Total Net Revenues at 60.2m (+5.1% compared to previous year)

Net Fee & Commission Income: 30.0m (+13.3%) Interest Income: 7.8m (-9.2%) Forex & Trading Income: 22.4m (+2.6%)

Pre-tax Profit at 16.6m with margin of 27.5%

Net Profit at 13.5m with margin of 22.5%

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Equity and Earnings per Share

Solid core capital ratio (CET 1) of 22.6%

Total equity to CHF 225.5 million

Earnings per share at CHF 0.95 for the first half of 2013

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Expenses & Profit Margin

Controlled costs at CHF 43.7 million (+0.4% compared to previous year)

Improvement of the Pre-tax Profit Margin to 27.5% (vs. 24.1% in 2012) and Net Profit Margin to 22.5% (vs. 19.8% in 2012)

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Revenues and Client Groups

Total revenues increased by +5.1% compared to previous year

Trading Segment with a positive growth (+13.0%) due to an increase of trading activity (TPCPY of 13.2 vs. 11.8 in 2012)
eForex Segment slightly increased by 1.8%.

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Client Groups

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Trading Accounts - Growth

162024 Trading accounts (+1.6 % vs. 2012) Trading assets at CHF 8.5 billion (+16.1 % vs. 2012) Average assets per account at ~ CHF 52500

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Trading Accounts - Transactions

Transactions per client per year at 13.2 (+11.9% compared to previous year). Total number of transactions at around 1.1 million during the first semester 2013 (+13.1% compared to the previous year)

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Saving Accounts Growth and Total Assets

30759 Saving accounts (+4.3% vs. 2012) Stable Saving assets at around CHF 700 million

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eForex Accounts Growth and Total Assets

11169 active clients (+5.9% vs. 2012) eForex clients equity has been impacted by the Gold market turmoil that occured during Q2-2013

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eForex Accounts Volumes

eForex activity recovered and reached total volumes of CHF 158 billion for the 1st half 2013 (+37.4% over the quarter) Activity revenues reached CHF 15.8 million (+1.8% vs. 2012)

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Balance Sheet

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Balance Sheet Structure on 30th June 2013

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Key Figures

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Key Figures for the first half 2013

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