Financial transparency

Summary of 2020 first quarter results

5 000
customers

53.17 M
total assets

30.60 M
loan portfolio

7.29 M
total equity

15.62 %
total capital ratio

189.09 %
LCR

All financial statements

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. 

2019 m. Rizikos ir kapitalo valdymo ataskaita Pillar 3
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. 

3st 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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