Reports and Presentations
| GROUP’S KEY FIGURES (EUR 1,000) | 2025 | 2024 | 2023 |
|---|---|---|---|
| Net interest income | 12 263 | 15 075 | 14 757 |
| Net commission and fee income | 1 402 | 1 815 | 1 785 |
| Total operating expenses | -13 697 | -12 781 | -11 398 |
| Impairment of receivables | -3 309 | -5 527 | -5 443 |
| Profit before taxes | -2 093 | -1 317 | -140 |
| Profit before non-recurring items and taxes | -3 351 | -137 | 389 |
| Cost / income ratio, % | 92 | 75 | 68 |
| Balance sheet total | 305 959 | 450 604 | 312 398 |
| Return on equity (ROE), % | -5.9 | -3.9 | -0.5 |
| Total capital ratio (TC), % | 34.6 | 17.6 | 15.1 |
| Common Equity Tier (CET1), % | 31.1 | 15.1 | 1.0 |
| Number of employees, end of period | 79 | 80 | 78 |
| Earnings per share (EPS), EUR | -0.01 | -0.01 | 0.00 |
| Impairment of receivables / loan portfolio, % | 5.6 | 3.7 | 3.2 |