Financial transparency

Summary of 2021 first half results

4 300
customers

91.46 M
total assets

45.02 M
loan portfolio

8.03 M
shareholders equity

15.89 %
total capital ratio

171.01 %
LCR

All financial statements

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. 

2nd quarter 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. 

2020 year financial report
2020 m. risk and capital management report Pillar 3 (LT)
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 m. risk and capital management report Pillar 3 (LT)
2019 year financial report
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

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