Cash flow Julius Bär Gruppe AG

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BAER

CH0102484968

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63.26 ^CHF	-2.26%		-2.19%	+1.44%

11:25pm	Julius Baer Launches EUR500 Million Senior Notes Placement	MT
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2de9e56b032e3f19ab254bd.FjyO64q5Zl3FBA-nnNKQOh0j4schN2ZShJOjrWQOi9Q.IgXmm9PNFmWwTnzg7OSgfHBUjZ92QQQdzKL1_hI75uRwRM28w84sMf1HNw

Published financial data: JULIUS BÄR GRUPPE AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	759M	1.25B	2.59B	2.51B	1.83B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	759M	1.25B	2.59B	2.51B	1.83B
Interest On Deposits	132M	425M	1.75B	2.13B	1.7B
Interest Expense, Total	132M	425M	1.75B	2.13B	1.7B
Net Interest Income	627M	823M	842M	377M	125M
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-99.4M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	9.4M	2.1M	1M	1.9M	1.7M
Income (Loss) on Equity Invest. (Income Block)	-	-	-19.8M	-800K	-
Total Other Non Interest Income	3.22B	3.04B	3.02B	3.5B	3.95B
Non Interest Income, Total	3.23B	3.05B	3B	3.5B	3.85B
Revenues Before Provison For Loan Losses	3.86B	3.87B	3.85B	3.88B	3.97B
Provision For Loan Losses	1.8M	16M	606M	14.8M	212M
Total Revenues	3.86B	3.85B	3.24B	3.86B	3.76B
Salaries And Other Employee Benefits	1.54B	1.6B	1.62B	1.72B	1.76B
Amort. of Goodwill & Intang. Assets	141M	186M	133M	141M	148M
Occupancy Expense	95.7M	93.7M	103M	100M	96.4M
Selling General & Admin Expenses, Total	767M	863M	860M	847M	803M
Total Other Non Interest Expense	-	-	-100K	-	-100K
Non Interest Expense, Total	2.55B	2.74B	2.72B	2.8B	2.81B
EBT, Excl. Unusual Items	1.31B	1.11B	523M	1.06B	954M
Restructuring Charges	-21M	-	-	-	-
Total Merger & Related Restructuring Charges	-12.2M	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-18.7M	-30.2M	-8.8M	-3.8M	-5.4M
Other Unusual Items	-	-	-	-	-11.2M
EBT, Incl. Unusual Items	1.26B	1.08B	514M	1.05B	938M
Income Tax Expense	176M	134M	60.3M	31.9M	174M
Earnings From Continuing Operations	1.08B	949M	454M	1.02B	764M
Net Income to Company	1.08B	949M	454M	1.02B	764M
Minority Interest	-700K	500K	500K	-100K	-100K
Net Income - (IS)	1.08B	950M	454M	1.02B	764M
Net Income to Common Incl Extra Items	1.08B	950M	454M	1.02B	764M
Net Income to Common Excl. Extra Items	1.08B	950M	454M	1.02B	764M
Per Share Items
Net EPS - Basic	5.06	4.56	2.21	4.98	3.72
Basic EPS - Continuing Operations	5.06	4.56	2.21	4.98	3.72
Basic Weighted Average Shares Outstanding	214M	208M	206M	205M	206M
Net EPS - Diluted	5.06	4.56	2.21	4.97	3.71
Diluted EPS - Continuing Operations	5.06	4.56	2.21	4.97	3.71
Diluted Weighted Average Shares Outstanding	214M	208M	206M	205M	206M
Normalized Basic EPS	3.83	3.34	1.59	3.22	2.9
Normalized Diluted EPS	3.83	3.34	1.59	3.22	2.9
Dividend Per Share	2.6	2.6	2.6	2.6	2.6
Payout Ratio	35.66	58.35	117.97	52.4	70.13
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	13.99	12.37	11.74	3.03	18.54
Total Current Taxes	188M	124M	70.5M	35.2M	168M
Total Deferred Taxes	-12.3M	9.5M	-10.1M	-3.3M	5.7M
Normalized Net Income	818M	696M	327M	661M	596M
Non-Cash Pension Expense	-1.6M	9.2M	3.6M	4.9M	-200K
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	93.3M	88.4M	88.6M	74.1M	88.8M
Total Stock-Based Compensation	93.3M	88.4M	88.6M	74.1M	88.8M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	25.8B	18.91B	16.22B	20.81B	22.83B
Investment Securities, Total	12.32B	15.97B	18.05B	15.12B	13.98B
Trading Asset Securities, Total	16.58B	15.7B	13.96B	18B	17.65B
Total investments	28.9B	31.68B	32.01B	33.12B	31.63B
Gross Loans	50.51B	44.7B	39.64B	42.33B	42.97B
Allowance For Loan Losses	-90.1M	-113M	-736M	-724M	-867M
Net Loans	50.42B	44.58B	38.91B	41.6B	42.11B
Gross Property Plant And Equipment	994M	1.13B	1.2B	1.22B	1.23B
Accumulated Depreciation	-479M	-518M	-553M	-559M	-613M
Net Property Plant And Equipment	515M	608M	649M	659M	617M
Goodwill	1.8B	1.72B	1.72B	1.7B	1.67B
Other Intangibles, Total	860M	814M	849M	913M	964M
Accrued Interest Receivable	419M	536M	769M	849M	891M
Other Receivables	3.26B	3.24B	1.85B	2.01B	1.65B
Other Current Assets, Total	4.2B	3.43B	3.71B	3.31B	5.03B
Deferred Tax Assets Long-Term (Collected)	28.3M	45.4M	24.1M	17.1M	11.1M
Other Long-Term Assets, Total	104M	78.5M	77.3M	75.7M	84.3M
Total Assets	116B	106B	96.79B	105B	107B
Liabilities
Accounts Payable, Total	39.3M	34.2M	28M	36.2M	75.2M
Accrued Expenses, Total	851M	901M	1.19B	1.2B	1.25B
Interest Bearing Deposits	83.2B	76.44B	63.24B	68.7B	66.76B
Total Deposits	83.2B	76.44B	63.24B	68.7B	66.76B
Short-Term Borrowings	6.7B	6.19B	6.36B	3.6B	4.82B
Current Portion of Long-Term Debt	8.8B	295M	4.9B	2.46B	1.47B
Current Portion of Leases	65.4M	63.3M	55.9M	61.3M	58.3M
Long-Term Debt	8.36B	14.05B	13.29B	20.6B	23.84B
Long-Term Leases	139M	226M	263M	275M	250M
Current Income Taxes Payable	292M	278M	248M	200M	122M
Other Current Liabilities - (Bank / Utility Template)	779M	633M	808M	799M	1.31B
Pension & Other Post Retirement Benefits	15.1M	6.3M	6M	3M	3M
Deferred Tax Liability Non-Current	84.5M	65.6M	56.8M	45.4M	50.4M
Other Non Current Liabilities	228M	172M	177M	262M	242M
Total Liabilities	110B	99.35B	90.62B	98.24B	100B
Common Stock, Total	4.4M	4.3M	4.1M	4.1M	4.1M
Retained Earnings	7.62B	7.54B	7.11B	7.58B	7.81B
Treasury Stock	-686M	-353M	-66.6M	-61.8M	-58.1M
Comprehensive Income and Other	-200M	-900M	-882M	-694M	-529M
Total Common Equity	6.73B	6.29B	6.16B	6.83B	7.23B
Minority Interest	9M	2.5M	1.9M	1.5M	1.5M
Total Equity	6.74B	6.29B	6.16B	6.83B	7.23B
Total Liabilities And Equity	116B	106B	96.79B	105B	107B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	209M	207M	205M	205M	205M
ECS Total Common Shares Outstanding	209M	207M	205M	205M	205M
Book Value / Share	32.19	30.43	30.08	33.33	35.26
Tangible Book Value	4.07B	3.75B	3.6B	4.21B	4.59B
Tangible Book Value Per Share	19.47	18.16	17.56	20.55	22.39
Tangible Book Value Per Share (As Reported)	-	-	-	20.6	22.4
Total Debt	24.07B	20.83B	24.87B	27B	30.44B
Deposits at Interest - Cash	5.95B	7.01B	6.54B	12.58B	15.59B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-93.3M	-326M	-150M	-230M	-436M
Net Debt	-18.31B	-13.79B	-5.31B	-11.82B	-10.04B
Equity Method Investments, Total	28.9M	28.3M	7.8M	-	-
Full Time Employees	6.73K	6.89K	7.42K	7.6K	7.39K
Number Of Offices	60	60	60	60	60

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.08B	950M	454M	1.02B	764M
Depreciation, Depletion & Amortization	95.7M	93.7M	103M	100M	96.4M
Amortization of Goodwill and Intangible Assets - (CF)	57.9M	44.3M	12.8M	6.4M	2.3M
Total Depreciation, Depletion & Amortization	154M	138M	115M	107M	98.7M
Amortization of Deferred Charges, Total	83.5M	102M	121M	134M	146M
(Gain) Loss On Sale of Asset - (CF)	-4.5M	-20M	-84.1M	-104M	-27.2M
(Gain) Loss on Sale of Investments - (CF)	1.8M	16M	606M	14.8M	212M
Total Asset Writedown	18.7M	69.2M	8.8M	3.8M	5.4M
Provision for Credit Losses	-	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-	-	-	-	-
Stock-Based Compensation (CF)	93.3M	-	-	-	-
Change in Trading Asset Securities	-847M	1.07B	1.36B	-3.76B	1.9B
Changes in Accrued Interest Receivable	-1.13B	746M	952M	68.5M	-1.09B
Change in Other Net Operating Assets (Collected)	2.56B	-4.95B	-4.51B	4.62B	-948M
Other Operating Activities	71.3M	86.6M	46M	26.2M	174M
Cash from Operations	2.08B	-1.79B	-929M	2.13B	1.23B
Capital Expenditure	-197M	-197M	-240M	-254M	-247M
Sale of Property, Plant, and Equipment	200K	3.3M	400K	700K	300K
Cash Acquisitions	-43.5M	-700K	-1.5M	-1.9M	-
Divestitures	-	42.5M	-	8.1M	78.4M
Investment in Marketable and Equity Securities, Total	497M	-4.35B	-1.45B	3.11B	1.2B
Other Investing Activities, Total	-100K	100K	-	-	-
Cash from Investing	257M	-4.5B	-1.69B	2.86B	1.03B
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	1.2B	148M	847M	186M	411M
Total Debt Issued	1.2B	148M	847M	186M	411M
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-	-	-	-
Total Debt Repaid	-	-	-	-	-
Repurchase of Common Stock	-443M	-226M	-232M	-58.6M	-63.4M
Common Dividends Paid	-386M	-554M	-536M	-536M	-536M
Common & Preferred Stock Dividends Paid	-386M	-554M	-536M	-536M	-536M
Other Financing Activities, Total	-2.6M	-1.4M	-400K	-1.6M	-
Cash from Financing	370M	-634M	79.3M	-409M	-188M
Foreign Exchange Rate Adjustments	27.6M	44.2M	-148M	12M	-56M
Miscellaneous Cash Flow Adjustments	100K	-	-100K	-	-
Net Change in Cash	2.74B	-6.89B	-2.69B	4.59B	2.02B
Supplemental Items
Cash Interest Paid	86.7M	517M	2.6B	2.79B	2.78B
Cash Income Tax Paid (Refund)	105M	135M	103M	81.6M	232M
Net Debt Issued / Repaid	1.2B	148M	847M	186M	411M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.96	0.86	0.45	1.01	0.72
Return On Equity %	16.43	14.56	7.28	15.74	10.87
Return on Common Equity	16.44	14.58	7.29	15.74	10.87
Shareholders Value Added	371M	213M	-280M	249M	-77.34M
Margin Analysis
SG&A Margin	62.36	66.29	79.75	68.95	70.68
Net Interest Income / Total Revenues %	16.25	21.36	25.99	9.77	3.31
EBT Excl. Non-Recurring Items Margin %	33.97	28.89	16.13	27.4	25.37
Income From Continuing Operations Margin %	28.06	24.63	14	26.48	20.31
Net Income Margin %	28.05	24.64	14.01	26.47	20.31
Net Avail. For Common Margin %	28.05	24.64	14.01	26.47	20.31
Normalized Net Income Margin	21.22	18.07	10.1	17.12	15.86
Asset quality
Nonperforming Loans / Total Loans %	0.38	0.4	2.02	2.06	2.88
Nonperforming Loans / Total Assets %	0.17	0.17	0.83	0.83	1.15
Nonperforming Assets / Total Assets %	0.17	0.17	0.83	0.83	1.15
NPAs / Loans and OREO	0.38	0.4	2.02	2.06	2.88
NPAs / Equity	2.87	2.86	13.01	12.8	17.09
Allowance for Credit Losses / Net Charge-offs %	-	-	-368K	1.13K	-
Allowance for Credit Losses / Nonperforming Loans %	46.52	63.11	91.84	82.8	70.2
Allowance for Credit Losses / Total Loans %	0.18	0.25	1.86	1.71	2.02
Provision for Loan Losses / Net Charge-offs %	-	-	-303K	23.02	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.84	5.87	6.15	6.43	6.61
Total Average Equity / Total Average Assets %	5.85	5.87	6.15	6.44	6.61
Total Equity + Allowance for Loan Losses / Total Loans %	13.51	14.32	17.4	17.84	18.84
Gross Loans / Total Deposits %	60.7	58.47	62.69	61.61	64.37
Net Loans / Total Deposits %	60.6	58.33	61.53	60.56	63.07
Tier 1 Capital Ratio %	23.4	21.2	23.6	26	24.1
Total Capital Ratio %	24	21.7	24	26.4	24.7
Core Tier 1 Capital Ratio	16.4	14	14.6	17.8	17.4
Tier 2 Capital Ratio	0.55	0.51	0.42	0.35	0.52
Coverage Ratio	46.52	63.11	91.84	82.8	70.2
Interbank Ratio	109.04	140.07	165.6	105.64	116.31
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	10.57	3.55	1.29	1.49	1.55
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.85	31.24	2.3	-55.18	-66.98
Non Interest Income, 1 Yr. Growth %	7.87	-5.76	-1.4	16.45	10
Provision For Loan Losses, 1 Yr. Growth %	-94.93	788.89	3.69K	-97.56	1.34K
Total Revenues, 1 Yr. Growth %	7.67	-0.12	-15.93	19.18	-2.6
Earnings From Cont. Operations, 1 Yr. Growth %	54.98	-12.34	-52.22	125.4	-25.28
Net Income, 1 Yr. Growth %	55.01	-12.24	-52.19	125.13	-25.28
Normalized Net Income, 1 Yr. Growth %	19.65	-12.71	-54.61	102.09	-11.3
Diluted EPS Before Extra, 1 Yr. Growth %	56.53	-9.86	-51.55	125.1	-25.31
Dividend Per Share, 1 Yr. Growth %	48.57	0	0	0	0
Gross Loans, 1 Yr. Growth %	6.8	-11.5	-11.31	6.77	1.53
Allowance For Loan Losses, 1 Yr. Growth %	10.01	25.86	549.29	-1.71	19.86
Net Loans, 1 Yr. Growth %	6.8	-11.57	-12.73	6.93	1.21
Non Performing Loans, 1 Yr. Growth %	24.01	-7.23	346.13	9.02	41.37
Non Performing Assets, 1 Yr. Growth %	24.01	-7.23	346.13	9.02	41.37
Total Assets, 1 Yr. Growth %	6.57	-9.17	-8.38	8.56	2.3
Total Deposits, 1 Yr Growth %	6.96	-8.13	-17.27	8.64	-2.82
Tangible Book Value, 1 Yr. Growth %	7.54	-7.92	-4.12	17.08	9.03
Common Equity, 1 Yr. Growth %	4.81	-6.64	-2	10.81	5.87
Total Equity, 1 Yr. Growth %	4.81	-6.73	-2.01	10.8	5.87
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-11.04	15.05	15.87	-32.29	-61.53
Non Interest Income, 2 Yr. CAGR %	11.51	0.82	-3.6	7.16	13.18
Provision For Loan Losses, 2 Yr. CAGR %	-55.77	-32.87	1.74K	-3.82	-40.8
Total Revenues, 2 Yr. CAGR %	6.79	3.7	-8.36	0.1	7.74
Earnings From Cont. Operations, 2 Yr. CAGR %	52.59	16.56	-35.28	3.78	29.78
Net Income, 2 Yr. CAGR %	52.57	16.64	-35.22	3.75	29.7
Normalized Net Income, 2 Yr. CAGR %	37.9	0.89	-35.96	-4.22	35.01
Diluted EPS Before Extra, 2 Yr. CAGR %	54.26	18.78	-33.92	4.43	29.71
Dividend Per Share, 2 Yr. CAGR %	31.66	21.89	0	0	0
Gross Loans, 2 Yr. CAGR %	2.08	-2.78	-11.4	-2.69	4.11
Allowance For Loan Losses, 2 Yr. CAGR %	38.6	17.67	185.87	152.62	8.54
Net Loans, 2 Yr. CAGR %	2.03	-2.82	-12.15	-3.4	4.03
Non Performing Loans, 2 Yr. CAGR %	7.03	7.26	103.44	120.54	24.15
Non Performing Assets, 2 Yr. CAGR %	7.03	7.26	103.44	120.54	24.15
Total Assets, 2 Yr. CAGR %	6.76	-1.61	-8.78	-0.27	5.38
Total Deposits, 2 Yr CAGR %	6.82	-0.87	-12.82	-5.2	2.75
Tangible Book Value, 2 Yr. CAGR %	10.87	-0.49	-6.04	5.95	12.98
Common Equity, 2 Yr. CAGR %	4.39	-1.08	-4.35	4.21	8.31
Total Equity, 2 Yr. CAGR %	4.38	-1.13	-4.4	4.2	8.31
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-8.01	1.28	10.63	-15.57	-46.7
Non Interest Income, 3 Yr. CAGR %	8.01	5.43	0.08	2.67	8.1
Provision For Loan Losses, 3 Yr. CAGR %	-15.66	20.26	157.53	101.84	136.82
Total Revenues, 3 Yr. CAGR %	4.63	4.44	-3.3	0.02	-0.81
Earnings From Cont. Operations, 3 Yr. CAGR %	13.77	26.85	-13.41	-1.9	-6.98
Net Income, 3 Yr. CAGR %	13.74	26.89	-13.36	-1.88	-7
Normalized Net Income, 3 Yr. CAGR %	13.5	17.39	-21.8	-6.07	-6.12
Diluted EPS Before Extra, 3 Yr. CAGR %	14.43	28.96	-11.91	-0.57	-6.59
Dividend Per Share, 3 Yr. CAGR %	20.12	20.12	14.11	0	0
Gross Loans, 3 Yr. CAGR %	3.65	-2.67	-5.71	-5.72	-1.3
Allowance For Loan Losses, 3 Yr. CAGR %	42.1	34.22	107.93	100.27	97.03
Net Loans, 3 Yr. CAGR %	3.61	-2.72	-6.24	-6.2	-1.89
Non Performing Loans, 3 Yr. CAGR %	27.62	2.05	72.5	65.24	90.16
Non Performing Assets, 3 Yr. CAGR %	27.62	2.05	72.5	65.24	90.16
Total Assets, 3 Yr. CAGR %	4.17	1.17	-3.92	-3.33	0.58
Total Deposits, 3 Yr CAGR %	5.18	1.59	-6.67	-6.18	-4.41
Tangible Book Value, 3 Yr. CAGR %	9.44	4.21	-1.72	1.11	6.97
Common Equity, 3 Yr. CAGR %	3.69	0.57	-1.39	0.46	4.76
Total Equity, 3 Yr. CAGR %	3.73	0.54	-1.42	0.42	4.75
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-6.49	-3.59	0.89	-13.79	-27.49
Non Interest Income, 5 Yr. CAGR %	10.35	6.11	3.21	6.12	5.13
Provision For Loan Losses, 5 Yr. CAGR %	-	-	189.14	9.98	43.03
Total Revenues, 5 Yr. CAGR %	6.23	3.45	-0.77	2.68	0.97
Earnings From Cont. Operations, 5 Yr. CAGR %	11.72	5.8	-9.21	17.06	1.8
Net Income, 5 Yr. CAGR %	11.8	6.14	-9.2	17.07	1.82
Normalized Net Income, 5 Yr. CAGR %	11.77	5.09	-10.19	8.96	-2.71
Diluted EPS Before Extra, 5 Yr. CAGR %	12.23	7	-8.13	18.53	2.84
Dividend Per Share, 5 Yr. CAGR %	16.72	13.18	11.63	11.63	8.24
Gross Loans, 5 Yr. CAGR %	5.58	-0.85	-2.66	-2.68	-1.9
Allowance For Loan Losses, 5 Yr. CAGR %	4.65	28.71	87.94	72.85	60.32
Net Loans, 5 Yr. CAGR %	5.59	-0.89	-3.01	-2.99	-2.26
Non Performing Loans, 5 Yr. CAGR %	18.39	-	53.79	38.89	51.23
Non Performing Assets, 5 Yr. CAGR %	18.39	-	53.79	38.89	51.23
Total Assets, 5 Yr. CAGR %	3.87	1.53	-1.22	0.59	-0.3
Total Deposits, 5 Yr CAGR %	4.27	2.48	-2.43	-1.18	-3.01
Tangible Book Value, 5 Yr. CAGR %	10.29	4.91	2.96	4.91	3.92
Common Equity, 5 Yr. CAGR %	4.79	1.54	0.4	2.01	2.38
Total Equity, 5 Yr. CAGR %	4.72	1.45	0.4	1.99	2.36