|
MAJOR FINANCIAL INDICATORS |
|
BANK |
GROUP |
||||||
|
1997, |
1996 |
1995 |
1994 |
1997, |
1996 |
1995 |
|
|
Total income |
389.6 |
499.9 |
253.3 |
121.4 |
492.9 |
548.0 |
252.9 |
|
Total expenses |
75.6% |
86.4% |
89.0% |
120.9% |
73.1% |
85.5% |
89.4% |
|
Net profit (M EEK) |
94.9 |
68.0 |
27.9 |
-25.4 |
132.8 |
75.0 |
26.9 |
|
Profit margin |
24.37% |
13.6% |
11.0% |
- |
26.95% |
13.7% |
10.6% |
|
Assets (M EEK) |
6,353.4 |
4,337.5 |
2,589.9 |
1,485.4 |
6,656.5 |
4,474.5 |
2,585.4 |
|
Assets yield |
3.51% |
2.0% |
1.4% |
- |
4.77% |
2.1% |
1.3% |
|
Return on assets |
14.41% |
14.4% |
12.4% |
10.8% |
17.71% |
15.5% |
12.4% |
|
Net interest margin |
5.80% |
6.3% |
6.2% |
5.6% |
6.38% |
6.3% |
6.1% |
|
Net non-interest |
-2.80% |
8.2% |
6.2% |
5.2% |
-1.21% |
9.2% |
6.3% |
|
Loans (M EEK) |
3,465.3 |
2,295.3 |
960. 4 |
585. 3 |
3,338.6 |
2,199.3 |
950.4 |
|
Loans to assets |
54.5% |
52.9% |
37.1% |
39.4% |
50.15% |
49.2% |
36.8% |
|
Actual loan losses per portfolio |
0.45% |
1.8% |
3.9% |
2.8% |
0.5% |
2.1% |
3.9% |
|
Loan and guarantee provision per portfolio |
2.8% |
2.9% |
2.5% |
4.2% |
3.1% |
3.1% |
2.5% |
|
Deposits |
4,434.6 |
3,135.5 |
2,114.1 |
1,307.8 |
4,394.8 |
3 ,080.1 |
2,114.0 |
|
Deposits to assets |
69.8% |
72.3% |
81.6% |
88.0% |
66% |
68.8% |
81.8% |
|
Capital adequacy |
11.7% |
12.6% |
10.4% |
0.2% |
N/A |
12.2% |
10.5% |
|
Shareholders’ equity |
423.1 |
328.2 |
153.0 |
23.3 |
438.3 |
307.2 |
150.6 |
|
Equity to assets |
6.7% |
7.6% |
5.9% |
1.6% |
6.6% |
6.9% |
5.8% |
|
Return on equity |
50.6% |
28.3% |
31.7% |
- |
70.63% |
32.8% |
30.9% |
|
Number of shares (M) |
16.5 |
16.5 |
13.3 |
13.3 |
16.5 |
16.5 |
13.3 |
|
Profit per share (EEK) |
5.75 |
4.91 |
3.04 |
-7.10 |
8.05 |
5.42 |
2.93 |
|
Dividend per share |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
|
Number of employees (average per year) |
1,255 |
1,090 |
1,063 |
1,154 |
1,734 |
1,410 |
1,069 |
|
Number of bank offices (average per year) |
173 |
205 |
233 |
289 |
- |
- |
- |