Reporting

Key Financial Indicators

Business Volumes, Financial Results, and Ratios

	2017	2018	2019	2020	2021	2022	2023	2024	Q1 2025
Net Loan Portfolio (€m)	238	329	460	671	953	1,301	1,491	1,774	1,818
Business Clients	68	101	157	258	423	578	641	770	792
Retail Clients	114	138	179	263	365	508	597	717	740
Consumer Financing	38	47	59	66	67	86	100	109	109
Leasing	19	40	64	84	98	130	153	177	178
Deposits	316	385	507	758	1,099	1,508	1,722	1,886	1,915
Demand Deposits	153	120	152	302	518	717	494	572	616
Fixed-term Deposits and Loans Received	163	265	354	456	581	791	1,228	1,314	1,299
Equity	45	49	89	98	112	149	186	212	220

Net Revenue, Total (EUR thousands)	17,289	19,768	23,719	31,089	39,238	54,631	85,204	81,883	19,310
Interest	11,519	16,779	20,689	28,371	35,538	50,709	81,265	77,570	17,930
Service Charges	2,170	2,302	2,372	2,097	3,085	3,785	4,847	4,358	1,155
Other	3,600	687	658	621	615	137	-908	-45	225
Total Operating Expenses	-11,518	-13,601	-16,261	-18,796	-22,453	-27,177	-35,128	-40,576	-9,519
Operating Profit	5,771	6,167	7,458	12,293	16,785	27,454	50,076	41,307	9,791
Loan Impairment Expenses	-1,313	-1,392	-1,931	-4,789	-2,497	-5,245	-6,302	-4,643	-226
Profit Before Income Tax	4,458	4,775	5,527	7,504	14,288	22,209	43,774	36,664	9,565
Income Tax Expenses	0	-22	0	-245	-825	-1,859	-4,570	-4,486	-1,652
Net Profit	4,458	4,753	5,527	7,259	13,463	20,350	39,204	32,178	7,913
Including Share of Parent Company	4,345	4,753	5,527	7,259	13,463	20,350	39,204	32,178	7,913
Number of Clients (thousands)	36	45	64	87	115	147	182	208	213
Number of Employees (FTE)	192	220	273	289	313	352	418	450	455
Return on Equity (ROE)	11.7%	10.1%	9.8%	7.8%	12.9%	16.8%	23.5%	16.2%	14.7%
Return on Assets (ROA)	1.3%	1.2%	1.0%	1.0%	1.3%	1.4%	2.1%	1.6%	1.4%
Net Interest Margin (NIM)	3.7%	4.3%	4.2%	3.9%	3.4%	3.4%	4.4%	3.8%	3.1%
Financing Cost	0.6%	0.8%	1.0%	0.9%	0.7%	0.7%	2.4%	3.3%	2.8%
Cost/Income Ratio (CIR)	66.6%	68.8%	68.6%	60.5%	57.2%	49.7%	41.2%	49.6%	49.3%
Capital Adequacy T1	17.3%	16.0%	22.3%	18.0%	14.0%	15.4%	17.5%	16.6%	17.1%
Total Capital Adequacy	19.9%	18.1%	24.3%	19.5%	16.6%	17.8%	19.6%	19.4%	20.0%
Annual Credit Risk Rate	0.6%	0.7%	0.5%	0.5%	0.3%	0.5%	0.5%	0.3%	0.0%
Liquidity Coverage Ratio (LCR)	728%	1375%	682%	275%	202%	176%	293%	207%	260%

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.