Below are the financial statements of St Galler Kantonalbank, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in thousands of CHF | 2024 | 2023 |
|---|---|---|
| Interest and discount income | 780,636a | 712,520a |
| Interest and dividend income from trading activities | 378a | 280a |
| Interest and dividend income from financial investments | 21,111a | 17,975a |
| Interest expense | -453,770a | -355,580a |
| Gross result from interest operations | 348,355a | 375,196a |
| Changes in credit-loss allowances and losses from interest operations | -16,303a | -4,538a |
| Net result from interest operations | 332,052a | 370,658a |
| Commission income from securities and investment business | 158,504a | 141,432a |
| Commission income from lending business | 4,382a | 4,241a |
| Commission income from other services | 28,874a | 28,413a |
| Commission expense | -15,833a | -16,102a |
| Result from commission business and services | 175,928a | 157,984a |
| Result from trading activities | 45,201a | 42,655a |
| Result from disposals of financial investments | 903a | 2,055a |
| Income from participations | 3,842a | 3,808a |
| Of which income from associates accounted for using the equity method | 332a | 450a |
| Of which income from other non-consolidated participations | 3,509a | 3,357a |
| Real estate income | 2,099a | 2,046a |
| Other ordinary income | 1,680a | 1,467a |
| Other ordinary expense | -7a | 0a |
| Other ordinary result | 8,516a | 9,375a |
| Operating income | 561,697a | 580,672a |
| Personnel expense | -192,242a | -187,230a |
| General and administrative expense | -109,532a | -103,475a |
| Operating expenses | -301,774a | -290,705a |
| Gross profit | 259,923a | 289,967a |
| Impairments on participations and depreciation of property and intangible assets | -13,192a | -17,766a |
| Changes in provisions and other impairments and losses | -7,141a | -525a |
| Operating result | 253,872a | 272,726a |
| Extraordinary income | 998a | 133a |
| Extraordinary expense | -1,040a | -2a |
| Changes in reserves for general banking risks | 0a | -30,000a |
| Group profit before taxes | 253,830a | 242,857a |
| Taxes | -38,747a | -35,655a |
| Group profit | 215,084a | 207,202a |
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