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