Главные финансовые показатели подробнеe

EUR millions (Group)

   2017 2016 Change 12m 2016 12m 2015 Change
Net interest income 75.4 66.2 14% 66.2 60.5 9%
Net commission and fee income 36.7 40.1 (9%) 40.1 35.5 13%
Operating income 132.5 134.3 (1%) 134.3 112.7 19%
Impairments charge and reversals, net (4.4) (10.1) (56%) (10.1) (6.2) 62%
Adjusted net profit* 31.5 31.1 1% 31.1 31.1 0%
Adjusted ROA* 0.94% 0.99% (0.04pp) 0.99% 1.07% (0.1pp)
Adjusted ROE* 11.9% 13.3% (1.4pp) 13.3% 15.5% (2.2pp)
CIR 64.4% 60.4% 4.1pp 60.4% 68.5% (8.2pp)
COR 1.0% 0.9% (0.1pp) 0.9% 0.6% 0.3pp

EUR millions (Group)

  2017  2016 Change 12m 2016 12m 2015 Change
Total assets 3,312 3,350 (1%) 3,350 2,960 13%
Loans to customers 1,331 1,241 7% 1,241 1,172 6%
Deposits from customers 2,880 2,919 (1%) 2,919 2,583 13%
Shareholder's equity 269 254 6% 254 220 16%
LTD ratio 46% 42% 4pp 42% 45% (3pp)

 

* 12m 2017 adjusted for one-time expense in the amount of EUR 23.2 million due to the write-off of deferred tax assets in Latvia due to change in the country’s corporate income tax regime (the Group and the Bank), EUR 7.7 million reversal of impairment on property and equipment (the Group only) and EUR 3.9 million income on dividends from subsidiaries (the Bank only). 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 (the Group and the Bank), EUR 5.1 million income on dividends from subsidiaries (the Bank only) and EUR -1.8 million loss on sale of a single AFS (former HTM) security exposure before maturity (the Group and the 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).