Reporting

Key Financial Indicators

Business Volumes, Financial Results, and Ratios

20172018201920202021202220232024Q1 2025Q2 2025

Net Loan Portfolio (€m)

238

329

460

671

953

1,301

1,491

1,774

1,818

1,943

Business Clients

68

101

157

258

423

578

641

770

792

874

Retail Clients

114

138

179

263

365

508

597

717

740

777

Consumer Financing

38

47

59

66

67

86

100

109

109

111

Leasing

19

40

64

84

98

130

153

177

178

181

Deposits

316

385

507

758

1,099

1,508

1,722

1,886

1,915

1,816

Demand Deposits

153

120

152

302

518

717

494

572

616

605

Fixed-term Deposits and Loans Received

163

265

354

456

581

791

1,228

1,314

1,299

1,211

Equity

45

49

89

98

112

149

186

212

220

220

 

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

Interest

11,519

16,779

20,689

28,371

35,538

50,709

81,265

77,570

17,930

18,003

Service Charges

2,170

2,302

2,372

2,097

3,085

3,785

4,847

4,358

1,155

1,166

Other

3,600

687

658

621

615

137

-908

-45

225

375

Total Operating Expenses

-11,518

-13,601

-16,261

-18,796

-22,453

-27,177

-35,128

-40,576

-9,519

-10,091

Operating Profit

5,771

6,167

7,458

12,293

16,785

27,454

50,076

41,307

9,791

9,453

Loan Impairment Expenses

-1,313

-1,392

-1,931

-4,789

-2,497

-5,245

-6,302

-4,643

-226

-1,367

Profit Before Income Tax

4,458

4,775

5,527

7,504

14,288

22,209

43,774

36,664

9,565

8,086

Income Tax Expenses

0

-22

0

-245

-825

-1,859

-4,570

-4,486

-1,652

-1,437

Net Profit

4,458

4,753

5,527

7,259

13,463

20,350

39,204

32,178

7,913

6,649

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

Number of Clients (thousands)

36

45

64

87

115

147

182

208

213

218

Number of Employees (FTE)

192

220

273

289

313

352

418

450

455

453

Return on Equity (ROE)

11.7%

10.1%

9.8%

7.8%

12.9%

16.8%

23.5%

16.2%

14.7%

12.1%

Return on Assets (ROA)

1.3%

1.2%

1.0%

1.0%

1.3%

1.4%

2.1%

1.6%

1.4%

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%

Financing Cost

0.6%

0.8%

1.0%

0.9%

0.7%

0.7%

2.4%

3.3%

2.8%

2.5%

Cost/Income Ratio (CIR)

66.6%

68.8%

68.6%

60.5%

57.2%

49.7%

41.2%

49.6%

49.3%

51.6%

Capital Adequacy T1

17.3%

16.0%

22.3%

18.0%

14.0%

15.4%

17.5%

16.6%

17.1%

16.1%

Total Capital Adequacy

19.9%

18.1%

24.3%

19.5%

16.6%

17.8%

19.6%

19.4%

20.0%

18.8%

Annual Credit Risk Rate

0.6%

0.7%

0.5%

0.5%

0.3%

0.5%

0.5%

0.3%

0.0%

0.3%

Liquidity Coverage Ratio (LCR)

728%

1375%

682%

275%

202%

176%

293%

207%

260%

189%

Dividend payments

Amount per shareThe date of fixing the list of shareholders Payout date
7,0 eurocents02.05.202506.05.2025
8,7 eurocents03.05.202407.05.2024
4,5 eurocents27.04.202303.05.2023
3 eurocents28.04.202203.05.2022

The extraordinary General Meeting of the Shareholders held on November 8th, 2019 approved the dividend policy of Coop Pank AS, which is available here.