Reporting
Key Financial Indicators
Business Volumes, Financial Results, and Ratios
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
Net Loan Portfolio (€m) | 238 | 329 | 460 | 671 | 953 | 1,301 | 1,491 | 1,774 | 1,818 | 1,943 | 2,023 |
Business Clients | 68 | 101 | 157 | 258 | 423 | 578 | 641 | 770 | 792 | 874 | 922 |
Retail Clients | 114 | 138 | 179 | 263 | 365 | 508 | 597 | 717 | 740 | 777 | 809 |
Consumer Financing | 38 | 47 | 59 | 66 | 67 | 86 | 100 | 109 | 109 | 111 | 114 |
Leasing | 19 | 40 | 64 | 84 | 98 | 130 | 153 | 177 | 178 | 181 | 179 |
Deposits | 316 | 385 | 507 | 758 | 1,099 | 1,508 | 1,722 | 1,886 | 1,915 | 1,816 | 1,958 |
Demand Deposits | 153 | 120 | 152 | 302 | 518 | 717 | 494 | 572 | 616 | 605 | 649 |
Fixed-term Deposits and Loans Received | 163 | 265 | 354 | 456 | 581 | 791 | 1,228 | 1,314 | 1,299 | 1,211 | 1,308 |
Equity | 45 | 49 | 89 | 98 | 112 | 149 | 186 | 212 | 220 | 220 | 227 |
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
Net Revenue, Total (EUR thousands) | 17,289 | 19,768 | 23,719 | 31,089 | 39,238 | 54,631 | 85,204 | 81,883 | 19,310 | 19,544 | 19,542 |
Interest | 11,519 | 16,779 | 20,689 | 28,371 | 35,538 | 50,709 | 81,265 | 77,570 | 17,930 | 18,003 | 18,299 |
Service Charges | 2,170 | 2,302 | 2,372 | 2,097 | 3,085 | 3,785 | 4,847 | 4,358 | 1,155 | 1,166 | 1,100 |
Other | 3,600 | 687 | 658 | 621 | 615 | 137 | -908 | -45 | 225 | 375 | 143 |
Total Operating Expenses | -11,518 | -13,601 | -16,261 | -18,796 | -22,453 | -27,177 | -35,128 | -40,576 | -9,519 | -10,091 | -10,459 |
Operating Profit | 5,771 | 6,167 | 7,458 | 12,293 | 16,785 | 27,454 | 50,076 | 41,307 | 9,791 | 9,453 | 9,083 |
Loan Impairment Expenses | -1,313 | -1,392 | -1,931 | -4,789 | -2,497 | -5,245 | -6,302 | -4,643 | -226 | -1,367 | -664 |
Profit Before Income Tax | 4,458 | 4,775 | 5,527 | 7,504 | 14,288 | 22,209 | 43,774 | 36,664 | 9,565 | 8,086 | 8,420 |
Income Tax Expenses | 0 | -22 | 0 | -245 | -825 | -1,859 | -4,570 | -4,486 | -1,652 | -1,437 | -1,448 |
Net Profit | 4,458 | 4,753 | 5,527 | 7,259 | 13,463 | 20,350 | 39,204 | 32,178 | 7,913 | 6,649 | 6,971 |
Including Share of Parent Company | 4,345 | 4,753 | 5,527 | 7,259 | 13,463 | 20,350 | 39,204 | 32,178 | 7,913 | 6,649 | 6,971 |
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
Number of Clients (thousands) | 36 | 45 | 64 | 87 | 115 | 147 | 182 | 208 | 213 | 218 | 222 |
Number of Employees (FTE) | 192 | 220 | 273 | 289 | 313 | 352 | 418 | 450 | 455 | 453 | 455 |
Return on Equity (ROE) | 11.7% | 10.1% | 9.8% | 7.8% | 12.9% | 16.8% | 23.5% | 16.2% | 14.7% | 12.1% | 12.5% |
Return on Assets (ROA) | 1.3% | 1.2% | 1.0% | 1.0% | 1.3% | 1.4% | 2.1% | 1.6% | 1.4% | 1.1% | 1.1% |
Net Interest Margin (NIM) | 3.7% | 4.3% | 4.2% | 3.9% | 3.4% | 3.4% | 4.4% | 3.8% | 3.1% | 3.0% | 3.0% |
Financing Cost | 0.6% | 0.8% | 1.0% | 0.9% | 0.7% | 0.7% | 2.4% | 3.3% | 2.8% | 2.5% | 2.3% |
Cost/Income Ratio (CIR) | 66.6% | 68.8% | 68.6% | 60.5% | 57.2% | 49.7% | 41.2% | 49.6% | 49.3% | 51.6% | 53.5% |
Capital Adequacy T1 | 17.3% | 16.0% | 22.3% | 18.0% | 14.0% | 15.4% | 17.5% | 16.6% | 17.1% | 16.1% | 16.7% |
Total Capital Adequacy | 19.9% | 18.1% | 24.3% | 19.5% | 16.6% | 17.8% | 19.6% | 19.4% | 20.0% | 18.8% | 19.3% |
Annual Credit Risk Rate | 0.6% | 0.7% | 0.5% | 0.5% | 0.3% | 0.5% | 0.5% | 0.3% | 0.0% | 0.3% | 0.1% |
Liquidity Coverage Ratio (LCR) | 728% | 1375% | 682% | 275% | 202% | 176% | 293% | 207% | 260% | 189% | 185% |
Dividend payments
| Amount per share | The date of fixing the list of shareholders | Payout date |
| 7,0 eurocents | 02.05.2025 | 06.05.2025 |
| 8,7 eurocents | 03.05.2024 | 07.05.2024 |
| 4,5 eurocents | 27.04.2023 | 03.05.2023 |
| 3 eurocents | 28.04.2022 | 03.05.2022 |
The extraordinary General Meeting of the Shareholders held on November 8th, 2019 approved the dividend policy of Coop Pank AS, which is available here.