Financial results

Net profit (in millions of euros)

Net profit graph - 5 quarters

Loan and deposit portfolio (in millions of euros)

Loan portfolio Deposit portfolio

Loan and deposit portfolio growth - 5 quarters

Net profit (in millions of euros)

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Loan and deposit portfolio (in millions of euros)

Loan portfolio Deposit portfolio

Loan and deposit portfolio growth - 5 years
In millions of euros 2015 2016 2017 2018 2019
Loan portfolio 35 65 93 226 338
Deposit portfolio 30 65 95 240 378
Total assets 42 85 126 318 463
Owner’s equity 8 12 22 36 47
Net interest income 3,4 8,4 11,0 19,9 31,2
Net fee and commission income 0,0 0,1 -0,1 -0,4 -0,8
Total net income 4,0 9,2 11,7 21,4 32,0
Operating expenses 2,6 4,2 6,7 10,6 16,0
Operating profit 1,5 5,0 4,9 10,7 16,0
Impairment losses on loans 1,0 3,2 3,5 2,7 6,0
Net profit 0,9 2,6 7,5 9,3 10,0
Return on equity 14,5% 26,6% 44,1% 31,9% 23,9%
Net interest margin 12,3% 13,7% 11,1% 9,5% 8,4%
Impairment losses to loan portfolio 4,0% 6,4% 4,5% 1,7% 2,1%
Cost/income ratio 63,2% 45,7% 57,8% 49,9% 49,9%
In millions of euros Q4 2018 Q1 2019 Q2 2019 Q3 2019 Q4 2019
Loan portfolio 226 246 276 310 338
Deposit portfolio 240 276 273 375 378
Total assets 318 341 338 446 463
Owner’s equity 36 38 41 44 47
Net interest income 6,6 6,8 7,6 8,2 8,7
Net fee and commission income -0,2 -0,2 -0,2 -0,2 -0,2
Total net income 6,7 6,8 8,0 8,3 9,0
Operating expenses 3,6 3,3 4,1 3,9 4,8
Operating profit 3,1 3,5 3,9 4,4 4,2
Impairment losses on loans -0,4 1,2 1,8 1,9 1,2
Net profit 3,0 2,0 2,3 2,2 3,4
Return on equity 34,9% 22,2% 23,6% 20,7% 30,0%
Net interest margin 9,5% 8,7% 9,4% 8,6% 7,9%
Impairment losses to loan portfolio -0,7% 2,1% 2,7% 2,6% 1,5%
Cost/income ratio 53,3% 48,6% 50,9% 46,7% 53,0%