Reporting

Key Financial Indicators

Business Volumes, Financial Results, and Ratios

	2017	2018	2019	2020	2021	2022	2023	Q1 2024	Q2 2024	Q3 2024
Net Loan Portfolio (€m)	238	329	460	671	953	1,301	1,491	1,531	1,621	1,661
Business Clients	68	101	157	258	423	578	641	651	693	697
Retail Clients	114	138	179	263	365	508	597	617	654	685
Consumer Financing	38	47	59	66	67	86	100	99	103	105
Leasing	19	40	64	84	98	130	153	163	171	174
Deposits	316	385	507	758	1,099	1,508	1,722	1,693	1,740	1,839
Demand Deposits	153	120	152	302	518	717	494	508	563	583
Fixed-term Deposits and Loans Received	163	265	354	456	581	791	1,228	1,185	1,177	1,256
Equity	45	49	89	98	112	149	186	195	195	205

Net Revenue, Total (EUR thousands)	17,289	19,768	23,719	31,089	39,238	54,631	85,204	20,211	20,465	21,228
Interest	11,519	16,779	20,689	28,371	35,538	50,709	81,265	19,082	19,319	20,021
Service Charges	2,170	2,302	2,372	2,097	3,085	3,785	4,847	1,014	1,000	1,040
Other	3,600	687	658	621	615	137	-908	125	146	167
Total Operating Expenses	-11,518	-13,601	-16,261	-18,796	-22,453	-27,177	-35,128	-9,427	-10,091	-10,261
Operating Profit	5,771	6,167	7,458	12,293	16,785	27,454	50,076	10,794	10,374	10,967
Loan Impairment Expenses	-1,313	-1,392	-1,931	-4,789	-2,497	-5,245	-6,302	-576	-1,224	-1,022
Profit Before Income Tax	4,458	4,775	5,527	7,504	14,288	22,209	43,774	10,218	9,150	9,945
Income Tax Expenses	0	-22	0	-245	-825	-1,859	-4,570	-1,080	-1,152	-1,296
Net Profit	4,458	4,753	5,527	7,259	13,463	20,350	39,204	9,138	7,998	8,649
Including Share of Parent Company	4,345	4,753	5,527	7,259	13,463	20,350	39,204	9,138	7,998	8,649
Number of Clients (thousands)	36	45	64	87	115	147	182	189	196	202
Number of Employees (FTE)	192	220	273	289	313	352	418	431	431	442
Return on Equity (ROE)	11.7%	10.1%	9.8%	7.8%	12.9%	16.8%	23.5%	19.2%	16.4%	17.3%
Return on Assets (ROA)	1.3%	1.2%	1.0%	1.0%	1.3%	1.4%	2.1%	1.8%	1.6%	1.7%
Net Interest Margin (NIM)	3.7%	4.3%	4.2%	3.9%	3.4%	3.4%	4.4%	3.9%	3.9%	3.9%
Financing Cost	0.6%	0.8%	1.0%	0.9%	0.7%	0.7%	2.4%	3.5%	3.3%	3.3%
Cost/Income Ratio (CIR)	66.6%	68.8%	68.6%	60.5%	57.2%	49.7%	41.2%	46.6%	49.3%	48.3%
Capital Adequacy T1	17.3%	16.0%	22.3%	18.0%	14.0%	15.4%	17.5%	17.2%	16.3%	16.0%
Total Capital Adequacy	19.9%	18.1%	24.3%	19.5%	16.6%	17.8%	19.6%	20.4%	19.4%	19.0%
Annual Credit Risk Rate	0.6%	0.7%	0.5%	0.5%	0.3%	0.5%	0.5%	0.2%	0.2%	0.2%
Liquidity Coverage Ratio (LCR)	728%	1375%	682%	275%	202%	176%	293%	297%	209%	205%

Dividend payments

Amount per share	The date of fixing the list of shareholders	Payout date
8,7 eurocents	03.05.2024	07.05.2024
4,5 eurocents	27.04.2023	03.05.2023
3 eurocents	28.04.2022	03.05.2022

The extraordinary General Meeting of the Shareholders held on November 8th, 2019 approved the dividend policy of Coop Pank AS, which is available here.