Full highlights

Group, EUR millions

  Q1 2021 Q1 2020 Change 2020 2019 2018
Net interest income 26.1 18.2 43% 67.5 84.6 82.6
Net fee and commission income 8.1 7.4 10% 30.2 30.9 33.4
Operating income 36.7 27.4 33% 94.7 123.9 127.2
Net credit losses and impairments (3.1) (15.4) (80%) (10.5) (3.7) (7.0)
Net profit 10.5 (7.5) ... 3.6 36.5 34.8
Return on average assets (ROA) 0.90% (0.78%) 1.7pp 0.09% 1.07% 1.10%
Return on average equity (ROE) 12.0% (9.0%) 21.0pp 1.05% 11.5% 12.3%
Cost to income ratio (CIR) 61.6% 70.8% (9.2pp) 84.5% 66.8% 67.1%
Cost of risk ratio (COR) 0.6% 3.8% (3.2pp) 0.6% 0.2% 0.5%

Group, EUR millions

  31 Mar 2021 31 Mar 2020 Change 31 Dec 2020 31 Dec 2019 31 Dec 2018
Total assets 4,690 3,931 19% 4,597 3,743 3,052
Loans to public 2,474 1,541 60% 1,541 1,568 1,396
Deposits and borrowings from customers 3,738 3,485 7% 3,671 3,290 2,645
Shareholders' equity 353 329 7% 344 341 297
Loan-to-deposit ratio 66% 44% 22pp 42% 48% 53%