Cash flow Julius Bär Gruppe AG

Equities

BAER

CH0102484968

Banks

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63.94 ^CHF	-0.03%		-3.41%	+1.83%

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6a0c2c4.hoBJURBGd6Iv2ibhIsQK3d--WLmFC0IyENG2bEMDw_A.6PYPaXofDZVahXSNQIFbhZjoLvzkTDtlJrWBM3Zqgsb27yolWgMD6X3oQQ

Published financial data: JULIUS BÄR GRUPPE AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	825M	759M	1.25B	2.59B	2.51B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	825M	759M	1.25B	2.59B	2.51B
Interest On Deposits	204M	132M	425M	1.75B	2.13B
Interest Expense, Total	204M	132M	425M	1.75B	2.13B
Net Interest Income	622M	627M	823M	842M	377M
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	15.9M	9.4M	2.1M	1M	1.9M
Income (Loss) on Equity Invest. (Income Block)	-	-	-	-19.8M	-800K
Total Other Non Interest Income	2.98B	3.22B	3.04B	3.02B	3.5B
Non Interest Income, Total	3B	3.23B	3.05B	3B	3.5B
Revenues Before Provison For Loan Losses	3.62B	3.86B	3.87B	3.85B	3.88B
Provision For Loan Losses	35.5M	1.8M	16M	606M	14.8M
Total Revenues	3.58B	3.86B	3.85B	3.24B	3.86B
Salaries And Other Employee Benefits	1.49B	1.54B	1.6B	1.62B	1.72B
Amort. of Goodwill & Intang. Assets	131M	141M	186M	133M	141M
Occupancy Expense	100M	95.7M	93.7M	103M	100M
Selling General & Admin Expenses, Total	782M	767M	863M	860M	847M
Total Other Non Interest Expense	-	-	-	-100K	-
Non Interest Expense, Total	2.51B	2.55B	2.74B	2.72B	2.8B
EBT, Excl. Unusual Items	1.08B	1.31B	1.11B	523M	1.06B
Restructuring Charges	-31M	-21M	-	-	-
Total Merger & Related Restructuring Charges	-	-12.2M	-	-	-
Impairment of Goodwill	-179M	-	-	-	-
Asset Writedown	-20.3M	-18.7M	-30.2M	-8.8M	-3.8M
EBT, Incl. Unusual Items	846M	1.26B	1.08B	514M	1.05B
Income Tax Expense	147M	176M	134M	60.3M	31.9M
Earnings From Continuing Operations	699M	1.08B	949M	454M	1.02B
Net Income to Company	699M	1.08B	949M	454M	1.02B
Minority Interest	-600K	-700K	500K	500K	-100K
Net Income - (IS)	698M	1.08B	950M	454M	1.02B
Net Income to Common Incl Extra Items	698M	1.08B	950M	454M	1.02B
Net Income to Common Excl. Extra Items	698M	1.08B	950M	454M	1.02B
Per Share Items
Net EPS - Basic	3.25	5.06	4.56	2.21	4.98
Basic EPS - Continuing Operations	3.25	5.06	4.56	2.21	4.98
Basic Weighted Average Shares Outstanding	215M	214M	208M	206M	205M
Net EPS - Diluted	3.23	5.06	4.56	2.21	4.97
Diluted EPS - Continuing Operations	3.23	5.06	4.56	2.21	4.97
Diluted Weighted Average Shares Outstanding	215M	214M	208M	206M	205M
Normalized Basic EPS	3.13	3.83	3.34	1.59	3.22
Normalized Diluted EPS	3.13	3.83	3.34	1.59	3.22
Dividend Per Share	1.75	2.6	2.6	2.6	2.6
Payout Ratio	47.54	35.66	58.35	117.97	52.4
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	17.41	13.99	12.37	11.74	3.03
Total Current Taxes	151M	188M	124M	70.5M	35.2M
Total Deferred Taxes	-3.7M	-12.3M	9.5M	-10.1M	-3.3M
Normalized Net Income	672M	818M	696M	327M	661M
Non-Cash Pension Expense	3.5M	-1.6M	9.2M	3.6M	4.9M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	71.6M	93.3M	88.4M	88.6M	74.1M
Total Stock-Based Compensation	71.6M	93.3M	88.4M	88.6M	74.1M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	23.06B	25.8B	18.91B	16.22B	20.81B
Investment Securities, Total	12.84B	12.32B	15.97B	18.05B	15.12B
Trading Asset Securities, Total	15.92B	16.58B	15.7B	13.96B	18B
Total investments	28.75B	28.9B	31.68B	32.01B	33.12B
Gross Loans	47.29B	50.51B	44.7B	39.64B	42.33B
Allowance For Loan Losses	-81.9M	-90.1M	-113M	-736M	-724M
Net Loans	47.21B	50.42B	44.58B	38.91B	41.6B
Gross Property Plant And Equipment	1.03B	994M	1.13B	1.2B	1.22B
Accumulated Depreciation	-445M	-479M	-518M	-553M	-559M
Net Property Plant And Equipment	580M	515M	608M	649M	659M
Goodwill	1.79B	1.8B	1.72B	1.72B	1.7B
Other Intangibles, Total	844M	860M	814M	849M	913M
Accrued Interest Receivable	364M	419M	536M	769M	849M
Other Receivables	1.9B	3.26B	3.24B	1.85B	2.01B
Other Current Assets, Total	4.38B	4.2B	3.43B	3.71B	3.31B
Deferred Tax Assets Long-Term (Collected)	20.1M	28.3M	45.4M	24.1M	17.1M
Other Long-Term Assets, Total	232M	104M	78.5M	77.3M	75.7M
Total Assets	109B	116B	106B	96.79B	105B
Liabilities
Accounts Payable, Total	35.2M	39.3M	34.2M	28M	36.2M
Accrued Expenses, Total	755M	851M	901M	1.19B	1.2B
Interest Bearing Deposits	77.78B	83.2B	76.44B	63.24B	68.7B
Total Deposits	77.78B	83.2B	76.44B	63.24B	68.7B
Short-Term Borrowings	7.69B	6.7B	6.19B	6.36B	3.6B
Current Portion of Long-Term Debt	7.67B	8.8B	295M	4.9B	2.46B
Current Portion of Leases	64.3M	65.4M	63.3M	55.9M	61.3M
Long-Term Debt	6.92B	8.36B	14.05B	13.29B	20.6B
Long-Term Leases	197M	139M	226M	263M	275M
Current Income Taxes Payable	210M	292M	278M	248M	200M
Other Current Liabilities - (Bank / Utility Template)	923M	779M	633M	808M	799M
Pension & Other Post Retirement Benefits	95.9M	15.1M	6.3M	6M	3M
Deferred Tax Liability Non-Current	74.5M	84.5M	65.6M	56.8M	45.4M
Other Non Current Liabilities	288M	228M	172M	177M	262M
Total Liabilities	103B	110B	99.35B	90.62B	98.24B
Common Stock, Total	4.5M	4.4M	4.3M	4.1M	4.1M
Retained Earnings	6.93B	7.62B	7.54B	7.11B	7.58B
Treasury Stock	-405M	-686M	-353M	-66.6M	-61.8M
Comprehensive Income and Other	-106M	-200M	-900M	-882M	-694M
Total Common Equity	6.43B	6.73B	6.29B	6.16B	6.83B
Minority Interest	8.6M	9M	2.5M	1.9M	1.5M
Total Equity	6.43B	6.74B	6.29B	6.16B	6.83B
Total Liabilities And Equity	109B	116B	106B	96.79B	105B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	215M	209M	207M	205M	205M
ECS Total Common Shares Outstanding	215M	209M	207M	205M	205M
Book Value / Share	29.88	32.19	30.43	30.08	33.33
Tangible Book Value	3.79B	4.07B	3.75B	3.6B	4.21B
Tangible Book Value Per Share	17.62	19.47	18.16	17.56	20.55
Tangible Book Value Per Share (As Reported)	-	-	-	-	20.6
Total Debt	22.54B	24.07B	20.83B	24.87B	27B
Deposits at Interest - Cash	8.52B	5.95B	7.01B	6.54B	12.58B
Debt Equivalent of Unfunded Proj. Benefit Obligation	95.9M	-93.3M	-326M	-150M	-230M
Net Debt	-16.44B	-18.31B	-13.79B	-5.31B	-11.82B
Equity Method Investments, Total	21.2M	28.9M	28.3M	7.8M	-
Full Time Employees	6.61K	6.73K	6.89K	7.42K	7.6K
Number Of Offices	50	60	60	60	60

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	698M	1.08B	950M	454M	1.02B
Depreciation, Depletion & Amortization	100M	95.7M	93.7M	103M	100M
Amortization of Goodwill and Intangible Assets - (CF)	70.2M	57.9M	44.3M	12.8M	6.4M
Total Depreciation, Depletion & Amortization	171M	154M	138M	115M	107M
Amortization of Deferred Charges, Total	72.4M	83.5M	102M	121M	134M
(Gain) Loss On Sale of Asset - (CF)	-900K	-4.5M	-20M	-84.1M	-104M
(Gain) Loss on Sale of Investments - (CF)	35.5M	1.8M	16M	606M	14.8M
Total Asset Writedown	188M	18.7M	69.2M	8.8M	3.8M
Provision for Credit Losses	-	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	71.6M	93.3M	-	-	-
Change in Trading Asset Securities	132M	-847M	1.07B	1.36B	-3.76B
Changes in Accrued Interest Receivable	-2.69B	-1.13B	746M	952M	68.5M
Change in Other Net Operating Assets (Collected)	7.64B	2.56B	-4.95B	-4.51B	4.62B
Other Operating Activities	2.6M	71.3M	86.6M	46M	26.2M
Cash from Operations	6.33B	2.08B	-1.79B	-929M	2.13B
Capital Expenditure	-186M	-197M	-197M	-240M	-254M
Sale of Property, Plant, and Equipment	500K	200K	3.3M	400K	700K
Cash Acquisitions	-12.8M	-43.5M	-700K	-1.5M	-1.9M
Divestitures	-	-	42.5M	-	8.1M
Investment in Marketable and Equity Securities, Total	-965M	497M	-4.35B	-1.45B	3.11B
Other Investing Activities, Total	-	-100K	100K	-	-
Cash from Investing	-1.16B	257M	-4.5B	-1.69B	2.86B
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	-	1.2B	148M	847M	186M
Total Debt Issued	-	1.2B	148M	847M	186M
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-350M	-	-	-	-
Total Debt Repaid	-350M	-	-	-	-
Repurchase of Common Stock	-124M	-443M	-226M	-232M	-58.6M
Common Dividends Paid	-332M	-386M	-554M	-536M	-536M
Common & Preferred Stock Dividends Paid	-332M	-386M	-554M	-536M	-536M
Other Financing Activities, Total	-2.8M	-2.6M	-1.4M	-400K	-1.6M
Cash from Financing	-809M	370M	-634M	79.3M	-409M
Foreign Exchange Rate Adjustments	141M	27.6M	44.2M	-148M	12M
Miscellaneous Cash Flow Adjustments	-	100K	-	-100K	-
Net Change in Cash	4.5B	2.74B	-6.89B	-2.69B	4.59B
Supplemental Items
Cash Interest Paid	322M	86.7M	517M	2.6B	2.79B
Cash Income Tax Paid (Refund)	145M	105M	135M	103M	81.6M
Net Debt Issued / Repaid	-350M	1.2B	148M	847M	186M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.66	0.96	0.86	0.45	1.01
Return On Equity %	11.07	16.43	14.56	7.28	15.74
Return on Common Equity	11.07	16.44	14.58	7.29	15.74
Shareholders Value Added	31.23M	371M	213M	-280M	249M
Margin Analysis
SG&A Margin	66.3	62.36	66.29	79.75	68.95
Net Interest Income / Total Revenues %	17.35	16.25	21.36	25.99	9.77
EBT Excl. Non-Recurring Items Margin %	30.04	33.97	28.89	16.13	27.4
Income From Continuing Operations Margin %	19.5	28.06	24.63	14	26.48
Net Income Margin %	19.48	28.05	24.64	14.01	26.47
Net Avail. For Common Margin %	19.48	28.05	24.64	14.01	26.47
Normalized Net Income Margin	18.76	21.22	18.07	10.1	17.12
Asset quality
Nonperforming Loans / Total Loans %	0.33	0.38	0.4	2.02	2.06
Nonperforming Loans / Total Assets %	0.14	0.17	0.17	0.83	0.83
Nonperforming Assets / Total Assets %	0.14	0.17	0.17	0.83	0.83
NPAs / Loans and OREO	0.33	0.38	0.4	2.02	2.06
NPAs / Equity	2.43	2.87	2.86	13.01	12.8
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-368K	1.13K
Allowance for Credit Losses / Nonperforming Loans %	52.43	46.52	63.11	91.84	82.8
Allowance for Credit Losses / Total Loans %	0.17	0.18	0.25	1.86	1.71
Provision for Loan Losses / Net Charge-offs %	-	-	-	-303K	23.02
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.97	5.84	5.87	6.15	6.43
Total Average Equity / Total Average Assets %	5.98	5.85	5.87	6.15	6.44
Total Equity + Allowance for Loan Losses / Total Loans %	13.76	13.51	14.32	17.4	17.84
Gross Loans / Total Deposits %	60.8	60.7	58.47	62.69	61.61
Net Loans / Total Deposits %	60.69	60.6	58.33	61.53	60.56
Tier 1 Capital Ratio %	20.3	23.4	21.2	23.6	26
Total Capital Ratio %	21	24	21.7	24	26.4
Core Tier 1 Capital Ratio	14.9	16.4	14	14.6	17.8
Tier 2 Capital Ratio	0.63	0.55	0.51	0.42	0.35
Coverage Ratio	52.43	46.52	63.11	91.84	82.8
Interbank Ratio	144.46	109.04	140.07	165.6	105.64
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	5.16	10.57	3.55	1.29	1.49
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-21.52	0.85	31.24	2.3	-55.18
Non Interest Income, 1 Yr. Growth %	15.27	7.87	-5.76	-1.4	16.45
Provision For Loan Losses, 1 Yr. Growth %	285.87	-94.93	788.89	3.69K	-97.56
Total Revenues, 1 Yr. Growth %	5.92	7.67	-0.12	-15.93	19.18
Earnings From Cont. Operations, 1 Yr. Growth %	50.24	54.98	-12.34	-52.22	125.4
Net Income, 1 Yr. Growth %	50.17	55.01	-12.24	-52.19	125.13
Normalized Net Income, 1 Yr. Growth %	56.13	19.65	-12.71	-54.61	102.09
Diluted EPS Before Extra, 1 Yr. Growth %	52.17	56.53	-9.86	-51.55	125.1
Dividend Per Share, 1 Yr. Growth %	16.67	48.57	0	0	0
Gross Loans, 1 Yr. Growth %	-2.44	6.8	-11.5	-11.31	6.77
Allowance For Loan Losses, 1 Yr. Growth %	74.63	10.01	25.86	549.29	-1.71
Net Loans, 1 Yr. Growth %	-2.52	6.8	-11.57	-12.73	6.93
Non Performing Loans, 1 Yr. Growth %	-7.63	24.01	-7.23	346.13	9.02
Non Performing Assets, 1 Yr. Growth %	-7.63	24.01	-7.23	346.13	9.02
Total Assets, 1 Yr. Growth %	6.96	6.57	-9.17	-8.38	8.56
Total Deposits, 1 Yr Growth %	6.68	6.96	-8.13	-17.27	8.64
Tangible Book Value, 1 Yr. Growth %	14.31	7.54	-7.92	-4.12	17.08
Common Equity, 1 Yr. Growth %	3.97	4.81	-6.64	-2	10.81
Total Equity, 1 Yr. Growth %	3.96	4.81	-6.73	-2.01	10.8
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-12.14	-11.04	15.05	15.87	-32.29
Non Interest Income, 2 Yr. CAGR %	8.08	11.51	0.82	-3.6	7.16
Provision For Loan Losses, 2 Yr. CAGR %	244	-55.77	-32.87	1.74K	-3.82
Total Revenues, 2 Yr. CAGR %	3.15	6.79	3.7	-8.36	0.1
Earnings From Cont. Operations, 2 Yr. CAGR %	-2.53	52.59	16.56	-35.28	3.78
Net Income, 2 Yr. CAGR %	-2.58	52.57	16.64	-35.22	3.75
Normalized Net Income, 2 Yr. CAGR %	9.57	37.9	0.89	-35.96	-4.22
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.11	54.26	18.78	-33.92	4.43
Dividend Per Share, 2 Yr. CAGR %	8.01	31.66	21.89	0	0
Gross Loans, 2 Yr. CAGR %	2.11	2.08	-2.78	-11.4	-2.69
Allowance For Loan Losses, 2 Yr. CAGR %	61.5	38.6	17.67	185.87	152.62
Net Loans, 2 Yr. CAGR %	2.06	2.03	-2.82	-12.15	-3.4
Non Performing Loans, 2 Yr. CAGR %	29.46	7.03	7.26	103.44	120.54
Non Performing Assets, 2 Yr. CAGR %	29.46	7.03	7.26	103.44	120.54
Total Assets, 2 Yr. CAGR %	2.99	6.76	-1.61	-8.78	-0.27
Total Deposits, 2 Yr CAGR %	4.3	6.82	-0.87	-12.82	-5.2
Tangible Book Value, 2 Yr. CAGR %	10.41	10.87	-0.49	-6.04	5.95
Common Equity, 2 Yr. CAGR %	3.14	4.39	-1.08	-4.35	4.21
Total Equity, 2 Yr. CAGR %	3.2	4.38	-1.13	-4.4	4.2
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-14.3	-8.01	1.28	10.63	-15.57
Non Interest Income, 3 Yr. CAGR %	9.79	8.01	5.43	0.08	2.67
Provision For Loan Losses, 3 Yr. CAGR %	-	-15.66	20.26	157.53	101.84
Total Revenues, 3 Yr. CAGR %	3.28	4.63	4.44	-3.3	0.02
Earnings From Cont. Operations, 3 Yr. CAGR %	-0.81	13.77	26.85	-13.41	-1.9
Net Income, 3 Yr. CAGR %	-0.32	13.74	26.89	-13.36	-1.88
Normalized Net Income, 3 Yr. CAGR %	7.35	13.5	17.39	-21.8	-6.07
Diluted EPS Before Extra, 3 Yr. CAGR %	-0.17	14.43	28.96	-11.91	-0.57
Dividend Per Share, 3 Yr. CAGR %	7.72	20.12	20.12	14.11	0
Gross Loans, 3 Yr. CAGR %	0.45	3.65	-2.67	-5.71	-5.72
Allowance For Loan Losses, 3 Yr. CAGR %	36.64	42.1	34.22	107.93	100.27
Net Loans, 3 Yr. CAGR %	0.42	3.61	-2.72	-6.24	-6.2
Non Performing Loans, 3 Yr. CAGR %	-	27.62	2.05	72.5	65.24
Non Performing Assets, 3 Yr. CAGR %	-	27.62	2.05	72.5	65.24
Total Assets, 3 Yr. CAGR %	3.68	4.17	1.17	-3.92	-3.33
Total Deposits, 3 Yr CAGR %	4.77	5.18	1.59	-6.67	-6.18
Tangible Book Value, 3 Yr. CAGR %	8.67	9.44	4.21	-1.72	1.11
Common Equity, 3 Yr. CAGR %	3.33	3.69	0.57	-1.39	0.46
Total Equity, 3 Yr. CAGR %	3.2	3.73	0.54	-1.42	0.42
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.66	-6.49	-3.59	0.89	-13.79
Non Interest Income, 5 Yr. CAGR %	8.61	10.35	6.11	3.21	6.12
Provision For Loan Losses, 5 Yr. CAGR %	-	-	-	189.14	9.98
Total Revenues, 5 Yr. CAGR %	5.87	6.23	3.45	-0.77	2.68
Earnings From Cont. Operations, 5 Yr. CAGR %	41.63	11.72	5.8	-9.21	17.06
Net Income, 5 Yr. CAGR %	41.93	11.8	6.14	-9.2	17.07
Normalized Net Income, 5 Yr. CAGR %	57.3	11.77	5.09	-10.19	8.96
Diluted EPS Before Extra, 5 Yr. CAGR %	42.51	12.23	7	-8.13	18.53
Dividend Per Share, 5 Yr. CAGR %	9.73	16.72	13.18	11.63	11.63
Gross Loans, 5 Yr. CAGR %	5.34	5.58	-0.85	-2.66	-2.68
Allowance For Loan Losses, 5 Yr. CAGR %	-0.17	4.65	28.71	87.94	72.85
Net Loans, 5 Yr. CAGR %	5.35	5.59	-0.89	-3.01	-2.99
Non Performing Loans, 5 Yr. CAGR %	16.69	18.39	-	53.79	38.89
Non Performing Assets, 5 Yr. CAGR %	16.69	18.39	-	53.79	38.89
Total Assets, 5 Yr. CAGR %	5.35	3.87	1.53	-1.22	0.59
Total Deposits, 5 Yr CAGR %	3.73	4.27	2.48	-2.43	-1.18
Tangible Book Value, 5 Yr. CAGR %	7.66	10.29	4.91	2.96	4.91
Common Equity, 5 Yr. CAGR %	5.42	4.79	1.54	0.4	2.01
Total Equity, 5 Yr. CAGR %	5.42	4.72	1.45	0.4	1.99