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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
6č |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.
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 |
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 |
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 |
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.