Главные финансовые показатели подробнеe

EUR millions (Group)

  9m 2017 9m 2016 Change 12m 2016 12m 2015 Change
Net interest income 55.8 48.0 16% 66.2 60.5 9%
Net commission and fee income 27.1 28.0 (3%) 40.1 35.5 13%
Operating income 98.6 102.8 (4%) 134.3 112.7 19%
Impairments charge and reversals, net (8.2) (5.0) 65% (10.1) (6.2) 62%
Adjusted net profit* 25.9 25.2 2% 31.1 31.1 0%
Adjusted ROA* 1.05% 1.10% (0.0pp) 0.99% 1.07% (0.1pp)
Adjusted ROE* 13.5% 14.4% (0.9pp) 13.3% 15.5% (2.2pp)
CIR 62.7% 57.8% 4.9pp 60.4% 68.5% (8.2pp)
COR 0.9% 0.7% 0.3pp 0.9% 0.6% 0.3pp

EUR millions (Group)

  9m 2017 12m 2016 Change 12m 2016 12m 2015 Change
Total assets 3,191 3,350 (5%) 3,350 2,960 13%
Loans to customers 1,342 1,241 8% 1,241 1,172 6%
Deposits from customers 2,800 2,919 (4%) 2,919 2,583 13%
Shareholder's equity 257 254 1% 254 220 16%
LTD ratio 48% 42% 5pp 42% 45% (3pp)

 

*9m 2017 adjusted for one-time expense in the amount of 23.2 million due to write-off of the deferred tax assets in the Latvian jurisdiction due to change in the corporate income tax regime (Group and Bank). 9m 2016 adjusted for one-time income in the amount of EUR 11.3 million due to sale of Citadele's share of Visa Europe to Visa Inc (Group and Bank). 12m 2016 adjusted for one-time income in the amount of EUR 11.3 million due to sale of Citadele’s share in Visa Europe to Visa Inc (Group and Bank), EUR 5.1 million income on dividends from subsidiaries (Bank only) and EUR -1.8 million loss on sale of a single AFS (former HTM) security exposure before maturity (Group and Bank). 12m 2015 adjusted for one-time costs due to the postponed IPO in the amount of EUR -5.0 million (Group and Bank) and EUR 0.2 million income on dividends from subsidiaries (Bank only).