Financial transparency

Summary of 2023 second quarter results

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5 754
customers

icon

217.04 M
total assets

loan icon

93.43 M
loan portfolio

icon

12.66 M
shareholders equity

icon

16.22 %
total capital ratio

icon

175.01 %
LCR

All financial statements

2023 quarterly financial reports
1st quarter results

Balance sheet

Assets
Eur'000

Cash and due from Central Bank, due from other banks

79 621

Cash

78

Due from Central Bank

78 619

Due from banks

924

Financial assets held for trading

139

Financial assets at amortised cost

136 133

Debt securities

44 175

Loans and advances

91 958

Investment property

509

Tangible assets

3 133

Intangible assets

207

Other assets

648
Total assets
220 390

Liabilities and equity

Liabilities
208 685

Liabilities measured at amortised cost

207 657

Deposits

204 467

Debt securities Issued

0

Other financial liabilities

1 205

Subordinated loans

1 985

Provisions

47

Other liabilities

981
Equity
11 705

Share capital

4 726

Reserves

2 980

Revaluation reserves

0

Retained earnings

3 999

Current year's profit (loss)

1 286

Prior year's retained earnings

2 713
Total liabilities and equity
220 390

Profit (loss) statement

Positions
 

Interest income

2 939

Interet expenses

(487)

Net interest income

2 452

Fee and commission income

1 054

Fee and commission expenses

(98)

Net fee and commission Income

956

Other income/expenses

27

Total operating income

3 435

Impairment on financial assets

(106)

Provisions

0

Operating income after credit impairment

3 329

Staff costs

(1 277)

Depreciation and amortisation

(55)

Other operating expenses

(490)

Total operating expenses

(1 822)

Operating profit before tax

1 507

Tax expense

(221)
Net profit (loss) for the period
1 286

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

590

Impairment to loan portfolio ratio, %

0,64
Profitability ratios
 

Return on assets (ROA), %

2,44

Return on equity (ROE), %

46,52
Prudential ratios
 

Total capital ratio, %

15,41

Liquidity coverage ratio (LCR), %

182,90

Net Stable Funding Ratio, %

193,90

Leverage Ratio, %

4,30

Maximum exposure to a single counterparty, %

19,80

No supervisory measures were applied to the bank during the first quarter of 2023. 

Half year results

Balance sheet

Assets
Eur'000

Cash and due from Central Bank, due from other banks

64 369

Cash

42

Due from Central Bank

62 912

Due from banks

1 415

Financial assets held for trading

138

Financial assets at amortised cost

147 811 

Debt securities

54 384

Loans and advances

93 427

Investment property

509

Tangible assets

3 102

Intangible assets

196

Other assets

916
Total assets
217 041

Liabilities and equity

Liabilities
204 384

Liabilities measured at amortised cost

202 851

Deposits

186 104

Debt securities Issued

0

Other financial liabilities

13 762

Subordinated loans

2 985

Provisions

39

Other liabilities

1 494
Equity
12 657

Share capital

4 726

Reserves

2 980

Revaluation reserves

0

Retained earnings

4 951

Current year's profit (loss)

2 238

Prior year's retained earnings

2 713
Total liabilities and equity
217 041

Profit (loss) statement

Positions
 

Interest income

6 212

Interet expenses

(1 063)

Net interest income

5 149

Fee and commission income

1 931

Fee and commission expenses

(192)

Net fee and commission Income

1 739

Other income/expenses

38

Total operating income

6 926

Impairment on financial assets

(77)

Provisions

0

Operating income after credit impairment

6 849

Staff costs

(2 570)

Depreciation and amortisation

(111)

Other operating expenses

(1 205)

Total operating expenses

(3 886)

Operating profit before tax

2 963

Tax expense

(725)
Net profit (loss) for the period
2 238

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

568

Impairment to loan portfolio ratio, %

0,60
Profitability ratios
 

Return on assets (ROA), %

2,14

Return on equity (ROE), %

38,79
Prudential ratios
 

Total capital ratio, %

16,22

Liquidity coverage ratio (LCR), %

175,01

Net Stable Funding Ratio, %

198,85

Leverage Ratio, %

4,28

Maximum exposure to a single counterparty, %

19,75

No supervisory measures were applied to the bank during the second quarter of 2023. 

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2022 quarterly financial reports
1st quarter results

Balance sheet

Assets
Eur'000

Cash and due from Central Bank, due from other banks

45 037

Cash

53

Due from Central Bank

43 345

Due from banks

1 639

Financial assets held for trading

151

Financial assets at amortised cost

74 564

Debt securities

14 403

Loans and advances

60 161

Investment property

324

Tangible assets

3 133

Intangible assets

217

Other assets

596
Total assets
124 022

Liabilities and equity

Liabilities
114 710

Liabilities measured at amortised cost

114 139

Deposits

112 760

Debt securities Issued

0

Other financial liabilities

879

Subordinated loans

500

Provisions

61

Other liabilities

510
Equity
9 312

Share capital

4 726

Reserves

2 980

Revaluation reserves

0

Retained earnings

1 606

Current year's profit (loss)

469

Prior year's retained earnings

1 137
Total liabilities and equity
124 022

Profit (loss) statement

Positions
 

Interest income

1 182

Interet expenses

(249)

Net interest income

933

Fee and commission income

675

Fee and commission expenses

(46)

Net fee and commission Income

629

Other income/expenses

(76)

Total operating income

1 486

Impairment on financial assets

132

Provisions

0

Operating income after credit impairment

1 618

Staff costs

(779)

Depreciation and amortisation

(44)

Other operating expenses

(266)

Total operating expenses

(1 089)

Operating profit before tax

529

Tax expense

(60)
Net profit (loss) for the period
469

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

322

Impairment to loan portfolio ratio, %

0,53
Profitability ratios
 

Return on assets (ROA), %

1,61

Return on equity (ROE), %

20,68
Prudential ratios
 

Total capital ratio, %

16,01

Liquidity coverage ratio (LCR), %

171,52

Net Stable Funding Ratio, %

178,61

Leverage Ratio, %

6,15

Maximum exposure to a single counterparty, %

19,54

No supervisory measures were applied to the bank during the first quarter of 2022. 

Half year results

Balance sheet

Assets
Eur'000

Cash and due from Central Bank, due from other banks

66 801

Cash

51

Due from Central Bank

65 933

Due from banks

817

Financial assets held for trading

144

Financial assets at amortised cost

91 447

Debt securities

14 687

Loans and advances

76 760

Investment property

324

Tangible assets

3 128

Intangible assets

250

Other assets

755
Total assets
162 849

Liabilities and equity

Liabilities
153 245

Liabilities measured at amortised cost

152 721

Deposits

143 690

Debt securities Issued

0

Other financial liabilities

8 231

Subordinated loans

800

Provisions

Other liabilities

462
Equity
9 604

Share capital

4 726

Reserves

2 980

Revaluation reserves

0

Retained earnings

1 898

Current year's profit (loss)

761

Prior year's retained earnings

1 137
Total liabilities and equity
162 849

Profit (loss) statement

Positions
 

Interest income

2 636

Interet expenses

(560)

Net interest income

2 076

Fee and commission income

1 301

Fee and commission expenses

(104)

Net fee and commission Income

1 197

Other income/expenses

(66)

Total operating income

3 207

Impairment on financial assets

84

Provisions

0

Operating income after credit impairment

3 291

Staff costs

(1 636)

Depreciation and amortisation

(86)

Other operating expenses

(671)

Total operating expenses

(2 393)

Operating profit before tax

898

Tax expense

(137)
Net profit (loss) for the period
761

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

378

Impairment to loan portfolio ratio, %

0,49
Profitability ratios
 

Return on assets (ROA), %

1,12

Return on equity (ROE), %

16,49
Prudential ratios
 

Total capital ratio, %

14,39

Liquidity coverage ratio (LCR), %

137,88

Net Stable Funding Ratio, %

172,77

Leverage Ratio, %

4,74

Maximum exposure to a single counterparty, %

19,84

No supervisory measures were applied to the bank during the first half of 2022. 

3rd quarter results

Balance sheet

Assets
Eur'000

Cash and due from Central Bank, due from other banks

85 073

Cash

62

Due from Central Bank

83 295

Due from banks

1 716

Financial assets held for trading

139

Financial assets at amortised cost

105 228

Debt securities

16 949

Loans and advances

88 279

Investment property

325

Tangible assets

3 164

Intangible assets

258

Other assets

554
Total assets
194 741

Liabilities and equity

Liabilities
184 585

Liabilities measured at amortised cost

183 907

Deposits

180 402

Debt securities Issued

0

Other financial liabilities

2 270

Subordinated loans

1 235

Provisions

91

Other liabilities

587
Equity
101 56

Share capital

4 726

Reserves

2 980

Revaluation reserves

0

Retained earnings

2 450

Current year's profit (loss)

1 313

Prior year's retained earnings

1 137
Total liabilities and equity
194 741

Profit (loss) statement

Positions
 

Interest income

4 379

Interest expenses

(967)

Net interest income

3 412

Fee and commission income

2 002

Fee and commission expenses

(186)

Net fee and commission Income

1 816

Other income/expenses

82

Total operating income

5 310

Impairment on financial assets

142

Provisions

(37)

Operating income after credit impairment

5 415

Staff costs

(2 689)

Depreciation and amortisation

(131)

Other operating expenses

(1 019)

Total operating expenses

(3 839)

Operating profit before tax

1 576

Tax expense

(263)
Net profit (loss) for the period
1 313 

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

327

Impairment to loan portfolio ratio, %

0,37
Profitability ratios
 

Return on assets (ROA), %

1,51

Return on equity (ROE), %

18,43
Prudential ratios
 

Total capital ratio, %

13,68

Liquidity coverage ratio (LCR), %

160,82

Net Stable Funding Ratio, %

178,23

Leverage Ratio, %

4,12

Maximum exposure to a single counterparty, %

23,55

No supervisory measures were applied to the bank during the three quarters of 2022. 

4rd quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

83,699

Cash

86

Due from Central Bank

82,377

Due from banks

1,236

Financial assets held for trading

138

Financial assets at amortised cost

 113,385

Debt securities

24,257

Loans and advances

89,128

Investment property

509

Tangible assets

3,155

Intangible assets

211

Other assets

455
Total assets
201,552  

 Liabilities and equity

Liabilities and equity 
191,133  

Liabilities measured at amortised cost

190,200

Deposits

 186,345

Debt securities Issued

0

Other financial liabilities

1870

Subordinated loans

1985

Provisions

97

Other liabilities

836
Equity
10,419

Share capital

4,726

Reserves

2,980

Revaluation reserves

0

Retained earnings

2,713

Current year's profit (loss)

1,576

Prior year's retained earnings

1,137
Total liabilities and equity:
201,552  

Profit (loss) statement

Positions
 

Interest income

6,592

Interet expenses

(1426)

Net interest income

5,166

Fee and commission income

2,884

Fee and commission expenses

(273)

Net fee and commission Income

2,611

Other income/expenses

78

Total operating income

7,855

Impairment on financial assets

(3)

Provisions

(37)

Operating income after credit impairment

7,815

Staff costs

(4,064)

Depreciation and amortisation

(183)

Other operating expenses

(1,657)

Total operating expenses

(5,904)

Operating profit before tax

1,911

Tax expense

(335)
Net profit (loss) for the period
1,576

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

468

Impairment to loan portfolio ratio, %

0.52
Profitability ratios
 

Return on assets (ROA), %

1.01

Return on equity (ROE), %

16.36
Prudential ratios
 

Total capital ratio, %

16.28

Liquidity coverage ratio (LCR), %

229.06

Net stable funding ratio (NSFR), %

201.71
Leverage Ratio, % 4.61

Maximum exposure to a single counterparty, %

19,72  

During the fourth quarter of 2022, the Board of Directors of the BoL, having analysed the report of the scheduled inspection of the Bank carried out in 2021, imposed the following impact measures: a warning and a fine of EUR 165 000.

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2021 quarterly financial reports
1st quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

31 204

Cash

24

Due from Central Bank

30 203

Due from banks

977

Financial assets held for trading

2 016

Financial assets at amortised cost

58 564

Debt securities

15 262

Loans and advances

43 302

Investment property

1 508

Tangible assets

1 723

Intangible assets

187

Other assets

301

Total assets
95 503

 Liabilities and equity

Liabilities and equity
87 553

Liabilities measured at amortised cost

87 113

Deposits

85 954

Debt securities Issued

-

Other financial liabilities

1 159

Subordinated loans

-

Provisions

21

Other liabilities

419
Equity
7 950

Share capital

4 726

Reserves

2 102

Revaluation reserves

-

Retained earnings

1 122

Current year's profit (loss)

305

Prior year's retained earnings

817
Total liabilities and equity:
95 503

Profit (loss) statement

Positions
 

Interest income

998

Interet expenses

(193)

Net interest income

805

Fee and commission income

402

Fee and commission expenses

(27)

Net fee and commission Income

375

Other income/expenses

(55)

Total operating income

1 125

Impairment on financial assets

(40)

Provisions

-

Operating income after credit impairment

1 085

Staff costs

(478)

Depreciation and amortisation

(26)

Other operating expenses

(221)

Total operating expenses

(725)

Operating profit before tax

360

Tax expense

(55)
Net profit (loss) for the period
305

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

615

Impairment to loan portfolio ratio, %

1,39
Profitability ratios
 

Return on assets (ROA), %

1,40

Return on equity (ROE), %

15,67
Prudential ratios
 

Total capital ratio, %

15,50

Liquidity coverage ratio (LCR), %

142,51

Maximum exposure to a single counterparty, %

21,29

No supervisory measures were applied to the bank during the first quarter of 2021. 

Half year results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

26,834

Cash

14

Due from Central Bank

25,957

Due from banks

863

Financial assets held for trading

1,506

Financial assets at amortised cost

59,755

Debt securities

14,733

Loans and advances

45,022

Investment property

1,106

Tangible assets

1,755

Intangible assets

195

Other assets

306
Total assets
91,457

 Liabilities and equity

Liabilities and equity
83,432

Liabilities measured at amortised cost

82,928

Deposits

82,456

Debt securities Issued

0

Other financial liabilities

472

Subordinated loans

0

Provisions

134

Other liabilities

370
Equity
8,025

Share capital

4,726

Reserves

2,920

Revaluation reserves

0

Retained earnings

379

Current year's profit (loss)

379

Prior year's retained earnings

0
Total liabilities and equity:
91,457

Profit (loss) statement

Positions
 

Interest income

2,006

Interet expenses

(413)

Net interest income

1,593

Fee and commission income

839

Fee and commission expenses

(15)

Net fee and commission Income

824

Other income/expenses

(149)

Total operating income

2,268

Impairment on financial assets

(7)

Provisions

(113)

Operating income after credit impairment

2,148

Staff costs

(1,115)

Depreciation and amortisation

(53)

Other operating expenses

(511)

Total operating expenses

(1,679)

Operating profit before tax

469

Tax expense

(90)
Net profit (loss) for the period
379

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

589

Impairment to loan portfolio ratio, %

1.29
Profitability ratios
 

Return on assets (ROA), %

0.89

Return on equity (ROE), %

9.69
Prudential ratios
 

Total capital ratio, %

15.89

Liquidity coverage ratio (LCR), %

171.01

Net stable funding ratio (NSFR), %

167.28

Maximum exposure to a single counterparty, %

23.03

No supervisory measures were applied to the bank during the first quarter of 2021. 

3rd quarter results

Balance sheet

Assets                                                                                                                                                           
kEUR

Cash and due from Central Bank, due from other banks

37,818

Cash

39

Due from Central Bank

37,028

Due from banks

751

Financial assets held for trading

1,503

Financial assets at amortised cost

59,899

Debt securities

14,723

Loans and advances

45,176

Investment property

1,106

Tangible assets

3,136

Intangible assets

196

Other assets

330
Total assets
103,988

 Liabilities and equity

Liabilities and equity                                                                                                                                   
95,649

Liabilities measured at amortised cost

95,223

Deposits

93,802

Debt securities Issued

0

Other financial liabilities

1,421

Subordinated loans

0

Provisions

56

Other liabilities

370
Equity
8,339

Share capital

4,726

Reserves

2,920

Revaluation reserves

0

Retained earnings

693

Current year's profit (loss)

693

Prior year's retained earnings

0
Total liabilities and equity:
103,988

Profit (loss) statement

Positions                                                                                                                                                      
 

Interest income

3,065

Interet expenses

(628)

Net interest income

2,437

Fee and commission income

1370

Fee and commission expenses

(34)

Net fee and commission Income

1,336

Other income/expenses

(140)

Total operating income

3,633

Impairment on financial assets

(132)

Provisions

21

Operating income after credit impairment

3,522

Staff costs

(1,669)

Depreciation and amortisation

(95)

Other operating expenses

(923)

Total operating expenses

(2,687)

Operating profit before tax

835

Tax expense

(142)
Net profit (loss) for the period
693

Key ratios

Credit quality                                                                                                                                                
 

Total impairment of loans and advances, kEUR

483

Impairment to loan portfolio ratio, %

1.06
Profitability ratios
 

Return on assets (ROA), %

0.89

Return on equity (ROE), %

9.69
Prudential ratios
 

Total capital ratio, %

14.63

Liquidity coverage ratio (LCR), %

168.85

Net stable funding ratio (NSFR), %

174.36

Maximum exposure to a single counterparty, %

23.41

No supervisory measures were applied to the bank during the first three quarters of 2021. 

4rd quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

38,920

Cash

7

Due from Central Bank

37,387

Due from banks

1,526

Financial assets held for trading

1,488

Financial assets at amortised cost

65,068

Debt securities

14,716

Loans and advances

50,352

Investment property

324

Tangible assets

3,161

Intangible assets

204

Other assets

310
Total assets
109,475

 Liabilities and equity

Liabilities and equity 
100,632

Liabilities measured at amortised cost

100,050

Deposits

98,889

Debt securities Issued

0

Other financial liabilities

660

Subordinated loans

501

Provisions

61

Other liabilities

521
Equity
8,843

Share capital

4,726

Reserves

2,920

Revaluation reserves

0

Retained earnings

1,197

Current year's profit (loss)

1,197

Prior year's retained earnings

0
Total liabilities and equity:
109,475

Profit (loss) statement

Positions
 

Interest income

4,220  

Interet expenses

(877)

Net interest income

3,343

Fee and commission income

2,016

Fee and commission expenses

(64)

Net fee and commission Income

1,952

Other income/expenses

0

Total operating income

5,295

Impairment on financial assets

(39)

Provisions

(27)

Operating income after credit impairment

5,229

Staff costs

(2,342)

Depreciation and amortisation

(140)

Other operating expenses

(1,348)

Total operating expenses

(3,830)

Operating profit before tax

1,399

Tax expense

(202)
Net profit (loss) for the period
1,197

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

448

Impairment to loan portfolio ratio, %

0.88
Profitability ratios
 

Return on assets (ROA), %

1.27

Return on equity (ROE), %

14.52
Prudential ratios
 

Total capital ratio, %

15.83

Liquidity coverage ratio (LCR), %

193.61

Net stable funding ratio (NSFR), %

179.14

Maximum exposure to a single counterparty, %

23.28

In the Q4 2021 the Bank of Lithuania issued a warning to AB Mano Bankas regarding the deficiencies identified during the supervisiory inspection in the area of credit and liquidity risk management.

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2020 quarterly financial reports
1st quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

12 432

Cash

20

Due from Central Bank

7 077

Due from banks

5 335

Financial assets held for trading

179

Financial assets at amortised cost

35 592

Debt securities

4 989

Loans and advances

30 603

Investment property

2 793

Tangible assets

1 781

Intangible assets

213

Other assets

178
Total assets
53 168

 Liabilities and equity

Liabilities and equity
45 879

Liabilities measured at amortised cost

45 675

Deposits

45 657

Debt securities Issued

-

Other financial liabilities

-

Subordinated loans

-

Provisions

-

Other liabilities

-
Equity
7 289

Share capital

4 726

Reserves

2 026

Revaluation reserves

-

Retained earnings

537

Current year's profit (loss)

158

Prior year's retained earnings

379
Total liabilities and equity:
53 168

Profit (loss) statement

Positions
 

Interest income

743

Interet expenses

(188)

Net interest income

555

Fee and commission income

115

Fee and commission expenses

(28)

Net fee and commission Income

87

Other income/expenses

23

Total operating income

665

Impairment on financial assets

19

Provisions

-

Operating income after credit impairment

687

Staff costs

(327)

Depreciation and amortisation

(30)

Other operating expenses

(169)

Total operating expenses

(526)

Operating profit before tax

158

Tax expense

0
Net profit (loss) for the period
158

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

474

Impairment to loan portfolio ratio, %

1,53
Profitability ratios
 

Return on assets (ROA), %

1,23

Return on equity (ROE), %

8,77
Prudential ratios
 

Total capital ratio, %

15,62

Liquidity coverage ratio (LCR), %

180,09

Maximum exposure to a single counterparty, %

24,20

No supervisory measures were applied to the bank during the first quarter of 2020. 

Half year results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

13 978

Cash

 21

Due from Central Bank

 11 526

Due from banks

2 431

Financial assets held for trading

204

Financial assets at amortised cost

  41 253

Debt securities

8 060

Loans and advances

33 193

Investment property

2 477

Tangible assets

1 764

Intangible assets

204

Other assets

184
Total assets
60 066

 Liabilities and equity

Liabilities and equity
 52 644

Liabilities measured at amortised cost

52 348

Deposits

51 887

Debt securities Issued

-

Other financial liabilities

461

Subordinated loans

-

Provisions

-

Other liabilities

296
Equity
7 422

Share capital

4 726

Reserves

2 102

Revaluation reserves

-

Retained earnings

594

Current year's profit (loss)

291

Prior year's retained earnings

303
Total liabilities and equity:
 60 066

Profit (loss) statement

Positions
 

Interest income

 1 480

Interet expenses

(387)

Net interest income

1 093

Fee and commission income

258

Fee and commission expenses

(81)

Net fee and commission Income

177

Other income/expenses

65

Total operating income

1 335

Impairment on financial assets

23

Provisions

-

Operating income after credit impairment

1 358

Staff costs

(581)

Depreciation and amortisation

(59)

Other operating expenses

(377)

Total operating expenses

(1 017)

Operating profit before tax

341

Tax expense

(50)
Net profit (loss) for the period
291

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

486

Impairment to loan portfolio ratio, %

1,43
Profitability ratios
 

Return on assets (ROA), %

1,24

Return on equity (ROE), %

9,20
Prudential ratios
 

Total capital ratio, %

16,96

Liquidity coverage ratio (LCR), %

285,73

Maximum exposure to a single counterparty, %

22,93

No supervisory measures were applied to the bank during the first half of 2020. 

3rd quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

14 900

Cash

 31

Due from Central Bank

 14 187

Due from banks

682

Financial assets held for trading

706

Financial assets at amortised cost

  44 976

Debt securities

9 874

Loans and advances

35 102

Investment property

2 489

Tangible assets

1 747

Intangible assets

196

Other assets

169
Total assets
65 183

 Liabilities and equity

Liabilities and equity
 57 683

Liabilities measured at amortised cost

57 380

Deposits

55 806

Debt securities Issued

-

Other financial liabilities

1 574

Subordinated loans

-

Provisions

-

Other liabilities

303
Equity
7 500

Share capital

4 726

Reserves

2 102

Revaluation reserves

-

Retained earnings

672

Current year's profit (loss)

369

Prior year's retained earnings

303
Total liabilities and equity:
 65 183

Profit (loss) statement

Positions
 

Interest income

 2 284

Interest expenses

(585)

Net interest income

1 699

Fee and commission income

430

Fee and commission expenses

(119)

Net fee and commission Income

311

Other income/expenses

51

Total operating income

2 061

Impairment on financial assets

(3)

Provisions

-

Operating income after credit impairment

2 058

Staff costs

(932)

Depreciation and amortisation

(86)

Other operating expenses

(618)

Total operating expenses

1 636

Operating profit before tax

422

Tax expense

(53)
Net profit (loss) for the period
369

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

513

Impairment to loan portfolio ratio, %

1,43
Profitability ratios
 

Return on assets (ROA), %

0,98

Return on equity (ROE), %

7,56
Prudential ratios
 

Total capital ratio, %

17,70

Liquidity coverage ratio (LCR), %

208,68

Maximum exposure to a single counterparty, %

22,98

No supervisory measures were applied to the bank during the third quarter of 2020. 

4th quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

21 094

Cash

 15

Due from Central Bank

 20 681

Due from banks

398

Financial assets held for trading

714

Financial assets at amortised cost

  52 334

Debt securities

11 503

Loans and advances

40 831

Investment property

2 361

Tangible assets

1 736

Intangible assets

192

Other assets

96
Total assets
78 527

 Liabilities and equity

Liabilities and equity
 70 882

Liabilities measured at amortised cost

70 413

Deposits

70 363

Debt securities Issued

-

Other financial liabilities

50

Subordinated loans

-

Provisions

21

Other liabilities

448
Equity
7 645

Share capital

4 726

Reserves

2 102

Revaluation reserves

-

Retained earnings

817

Current year's profit (loss)

514

Prior year's retained earnings

303
Total liabilities and equity:
 78 527

Profit (loss) statement

Positions
 

Interest income

 3 160

Interest expenses

(735)

Net interest income

2 425

Fee and commission income

640

Fee and commission expenses

(82)

Net fee and commission Income

558

Other income/expenses

81

Total operating income

3 064

Impairment on financial assets

(57)

Provisions

(21)

Operating income after credit impairment

2 986

Staff costs

(1 365)

Depreciation and amortisation

(113)

Other operating expenses

(920)

Total operating expenses

2 398

Operating profit before tax

588

Tax expense

(74)
Net profit (loss) for the period
514

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

574

Impairment to loan portfolio ratio, %

1,38
Profitability ratios
 

Return on assets (ROA), %

0,80

Return on equity (ROE), %

6,96
Prudential ratios
 

Total capital ratio, %

14,55

Liquidity coverage ratio (LCR), %

150,73

Maximum exposure to a single counterparty, %

21,89

No supervisory measures were applied to the bank during the 4th quarter of 2020. 

2019 risk and capital management report Pillar 3 (LT) icon
2019 year financial report icon
2019 quarterly financial reports
1st quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

2070

Cash

21

Due from Central Bank

1455

Due from banks

594

Financial assets held for trading

-

Financial assets at amortised cost

43 667

Debt securities

12 870

Loans and advances

30 797

Investment property

2 347

Tangible assets

1 999

Intangible assets

90

Other assets

263
Total assets
50 436

 Liabilities and equity

Liabilities and equity
43 626

Liabilities measured at amortised cost

43 449

Deposits

43 449

Debt securities Issued

-

Other financial liabilities

-

Subordinated loans

-

Provisions

-

Other liabilities

177
Equity
6 810

Share capital

4 726

Reserves

2 026

Revaluation reserves

-

Retained earnings

58

Current year's profit (loss)

11

Prior year's retained earnings

47
Total liabilities and equity:
50 436

Profit (loss) statement

Positions
 

Interest income

663

Interet expenses

(206)

Net interest income

457

Fee and commission income

76

Fee and commission expenses

(67)

Net fee and commission Income

9

Other income/expenses

13

Total operating income

479

Impairment on financial assets

(105)

Provisions

-

Operating income after credit impairment

374

Staff costs

(216)

Depreciation and amortisation

(28)

Other operating expenses

(115)

Total operating expenses

(359)

Operating profit before tax

15

Tax expense

(4)
Net profit (loss) for the period
11

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

1 262

Impairment to loan portfolio ratio, %

3,94
Profitability ratios
 

Return on assets (ROA), %

0,08

Return on equity (ROE), %

0,67
Prudential ratios
 

Total capital ratio, %

15,52

Liquidity coverage ratio (LCR), %

201,97

Maximum exposure to a single counterparty, %

22,42

No supervisory measures were applied to the bank during the first quarter of 2019. 

Half year results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

 6 690

Cash

 22

Due from Central Bank

 5 580

Due from banks

1 088

Financial assets held for trading

-

Financial assets at amortised cost

  37 408

Debt securities

9 220

Loans and advances

28 188

Investment property

3 129

Tangible assets

1 836

Intangible assets

98

Other assets

213
Total assets
49 374

 Liabilities and equity

Liabilities and equity
 42 266

Liabilities measured at amortised cost

41 949

Deposits

41 859

Debt securities Issued

-

Other financial liabilities

90

Subordinated loans

-

Provisions

-

Other liabilities

317
Equity
7 108

Share capital

4 726

Reserves

2 026

Revaluation reserves

=

Retained earnings

356

Current year's profit (loss)

309

Prior year's retained earnings

47
Total liabilities and equity:
 49 374

Profit (loss) statement

Positions
 

Interest income

 1 307

Interet expenses

(404)

Net interest income

903

Fee and commission income

169

Fee and commission expenses

(69)

Net fee and commission Income

100

Other income/expenses

66

Total operating income

1 069

Impairment on financial assets

142

Provisions

-

Operating income after credit impairment

1 211

Staff costs

(466)

Depreciation and amortisation

(58)

Other operating expenses

(324)

Total operating expenses

(848)

Operating profit before tax

363

Tax expense

(54)
Net profit (loss) for the period
309

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

1 119

Impairment to loan portfolio ratio, %

3,82
Profitability ratios
 

Return on assets (ROA), %

1,21

Return on equity (ROE), %

9,53
Prudential ratios
 

Total capital ratio, %

16,60

Liquidity coverage ratio (LCR), %

239,97

Maximum exposure to a single counterparty, %

23,88

No supervisory measures were applied to the bank during the first half of 2019. 

3rd quarter results

Balance sheet

Assets
kEUR

Cash and due from Central Bank, due from other banks

6 610

Cash

21

Due from Central Bank

5 704

Due from banks

885

Financial assets held for trading

-

Financial assets at amortised cost

37 304

Debt securities

9 216

Loans and advances

28 088

Investment property

2 984

Tangible assets

1 815

Intangible assets

90

Other assets

265
Total assets
49 068

 Liabilities and equity

Liabilities and equity
42 270

Liabilities measured at amortised cost

42 065

Deposits

42 051

Debt securities Issued

-

Other financial liabilities

14

Subordinated loans

-

Provisions

-

Other liabilities

205
Equity
6 798

Share capital

4 726

Reserves

2 026

Revaluation reserves

-

Retained earnings

46

Current year's profit (loss)

1

Prior year's retained earnings

47
Total liabilities and equity:
49 068

Profit (loss) statement

Positions
 

Interest income

1 965

Interet expenses

(604)

Net interest income

1 361

Fee and commission income

221

Fee and commission expenses

(103)

Net fee and commission Income

118

Other income/expenses

54

Total operating income

1 533

Impairment on financial assets

(91)

Provisions

-

Operating income after credit impairment

1 442

Staff costs

(708)

Depreciation and amortisation

(88)

Other operating expenses

(589)

Total operating expenses

(1 385)

Operating profit before tax

57

Tax expense

(58)
Net profit (loss) for the period
-1

Key ratios

Credit quality
 

Total impairment of loans and advances, kEUR

1 244

Impairment to loan portfolio ratio, %

4,24
Profitability ratios
 

Return on assets (ROA), %

0,00

Return on equity (ROE), %

-0,02
Prudential ratios
 

Total capital ratio, %

16,57

Liquidity coverage ratio (LCR), %

206,82

Maximum exposure to a single counterparty, %

23,87

No supervisory measures were applied to the bank during the third quarter of 2019. 

2018 year financial report icon