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All financial statements

2023 quarterly financial reports

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.

2022 risk and capital management report Pillar 3 (LT)

2022 sustainability report (LT)

2022 year financial report

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	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

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.

2021 sustainability report (LT)

2021 risk and capital management report Pillar 3 (LT)

2021 year financial report

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.

2020 year financial report

2020 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 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

Financial transparency

Summary of 2023 second quarter results

5 754 customers

217.04 M total assets

93.43 M loan portfolio

12.66 M shareholders equity

16.22 % total capital ratio

175.01 % LCR

All financial statements

Balance sheet

Assets

Eur'000

Total assets

220 390

Liabilities and equity

Liabilities

208 685

Equity

11 705

Total liabilities and equity

220 390

Profit (loss) statement

Positions

Net profit (loss) for the period

1 286

Key ratios

Credit quality

Profitability ratios

Prudential ratios

Balance sheet

Assets

Eur'000

Total assets

217 041

Liabilities and equity

Liabilities

204 384

Equity

12 657

Total liabilities and equity

217 041

Profit (loss) statement

Positions

Net profit (loss) for the period

2 238

Key ratios

Credit quality

Profitability ratios

Prudential ratios

Balance sheet

Assets

Eur'000

Total assets

124 022

Liabilities and equity

Liabilities

114 710

Equity

9 312

Total liabilities and equity

124 022

Profit (loss) statement

Positions

Net profit (loss) for the period

469

Key ratios

Credit quality

Profitability ratios

Prudential ratios

Balance sheet

Assets

Eur'000

Total assets

162 849

Liabilities and equity

Liabilities

153 245

Equity

9 604

Total liabilities and equity

5 754
customers

217.04 M
total assets

93.43 M
loan portfolio

12.66 M
shareholders equity

16.22 %
total capital ratio

175.01 %
LCR