Full highlights

Group, EUR millions

  12m 2019 12m 2018 Change 12m 2018 12m 2017 Change
Net interest income 84.6 82.6 2% 82.6 75.4 10%
Net fee and commission income 30.9 33.4 (7%) 33.4 35.2 (5%)
Operating income 123.9 127.2 (3%) 127.2 129.3 (2%)
Net credit losses (3.7) (7.0) (47%) (7.0) (4.5) 54%
Net profit* 36.5 34.8 5% 34.8 16.0 118%
Return on average assets (ROA)* 1.07% 1.10% 0.1pp 1.10% 0.48% 0.62pp
Return on average equity (ROE)* 11.5% 12.3% (0.8pp) 12.3% 6.1% 6.2pp
Cost to income ratio 66.8% 67.1% 0.3pp 67.1% 63.5% 3.6pp
Cost of risk ratio 0.2% 0.5% (0.3pp) 0.5% 1.0% (0.5pp)

Group, EUR millions

  31 Dec 2019 31 Dec 2018 Change 31 Dec 2018 31 Dec 2017 Change
Total assets 3,743 3,052 23% 3,052 3,312 (8%)
Loans to public 1,573 1,396 13% 1,396 1,331 5%
Deposits and borrowings from customers 3,290 2,645 24% 2,645 2,917 (9%)
Shareholders' equity 341 297 15% 297 269 10%
Loan-to-deposit ratio 48% 53% (5pp) 53% 46% 7pp