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Loans, allowance for loan losses and credit quality (Tables)
 12 Months Ended
Dec. 31, 2022
Loans
Loans
end of20222021
Loans (CHF million)   
Mortgages107,484110,533
Loans collateralized by securities37,63951,253
Consumer finance5,7015,075
Consumer150,824166,861
Real estate25,46328,529
Commercial and industrial loans62,05769,129
Financial institutions24,70025,222
Governments and public institutions2,5553,323
Corporate & institutional114,775126,203
Gross loans 265,599293,064
   of which held at amortized cost 258,241282,821
   of which held at fair value 7,35810,243
Net (unearned income)/deferred expenses(71)(81)
Allowance for credit losses(1,363)(1,297)
Net loans 264,165291,686
Gross loans by location   
Switzerland163,800167,957
Foreign101,799125,107
Gross loans 265,599293,064
Impaired loans   
Non-performing loans1,6141,666
Non-interest-earning loans349298
Non-accrual loans1,9631,964
Restructured loans484367
Potential problem loans977436
Other impaired loans1,461803
Gross impaired loans 13,4242,767
1
As of December 31, 2022 and 2021, CHF 130 million and CHF 130 million, respectively, were related to consumer mortgages secured by residential real estate for which formal foreclosure proceedings according to local requirements of the applicable jurisdiction were in process.
Bank  
Loans
Loans
end of20222021
Loans (CHF million)   
Mortgages107,484110,533
Loans collateralized by securities37,63951,253
Consumer finance5,7015,075
Consumer150,824166,861
Real estate25,46328,529
Commercial and industrial loans62,74069,756
Financial institutions27,95533,266
Governments and public institutions2,5553,323
Corporate & institutional118,713134,874
Gross loans 269,537301,735
   of which held at amortized cost 262,179291,492
   of which held at fair value 7,35810,243
Net (unearned income)/deferred expenses(71)(81)
Allowance for credit losses(1,362)(1,296)
Net loans 268,104300,358
Gross loans by location   
Switzerland166,982175,903
Foreign102,555125,832
Gross loans 269,537301,735
Impaired loans   
Non-performing loans1,6141,666
Non-interest-earning loans338286
Non-accrual loans1,9521,952
Restructured loans484367
Potential problem loans977436
Other impaired loans1,461803
Gross impaired loans 13,4132,755
1
As of December 31, 2022 and 2021, CHF 130 million and CHF 130 million, respectively, were related to consumer mortgages secured by residential real estate for which formal foreclosure proceedings according to local requirements of the applicable jurisdiction were in process.