Full highlights

Group, EUR millions

  9m 2021 9m 2020 9m 2019 2021 2020 2019
Net interest income 80.9 50.8 63.8 108.1 67.5 84.6
Net fee and commission income 26.8 22.5 23.0 36.5 30.2 30.9
Operating income 116.7 116.7 92.4 155.3 94.7 123.9
Net credit losses and impairments (0.1) (10.3) (2.7) (1.8) (10.5) (3.7)
Net profit 44.7 (20.5) 27.2 55.0 3.6 36.5
Return on average assets (ROA) 1.25% (0.67%) 1.11% 1.14% 0.09% 1.07%
Return on average equity (ROE) 16.30% (8.26%) 11.55% 14.85% 1.05% 11.5%
Cost to income ratio (CIR) 60.3% 120.2% 66.5% 62.2% 84.5% 66.8%
Cost of risk ratio (COR) 0.0% 0.8% 0.2% 0.1% 0.6% 0.2%

Group, EUR millions

  30 Sept 2021 30 Sept 2020   31 Dec 2021 31 Dec 2020 31 Dec 2019
Total assets 4,919 4,436   5,055 4,597 3,743
Loans to public 2,602 1,537   2,702 1,541 1,568
Deposits and borrowings from customers 3,893 3,542   3,814 3,671 3,290
Shareholders' equity 388 321   3397 344 341
Loan-to-deposit ratio 67% 43%   71% 42% 48%