Reports and Presentations

GROUP’S KEY FIGURES (EUR 1,000)	1-6/2025	1-6/2024	1-12/2024	1-12/2023
Net interest income	6 612	7 175	15 075	14 757
Net commission and fee income	729	417	1 815	1 785
Total operating expenses	-6 624	-6 432	-12 781	-11 398
Impairment of receivables	-2 336	-3 223	-5 527	-5 443
Profit before taxes	-1 601	-1 995	-1 317	-140
Profit before non-recurring items and taxes	-1 440	-999	-137	389
Cost / income ratio, %	90	84	75	68
Balance sheet total	349 570	565 255	450 604	312 398
Return on equity (ROE), %	-9.1	-13.0	-3.9	-0.5
Total capital ratio (TC), %	19.2	14.0	17.6	15.1
Common Equity Tier (CET1), %	16.7	11.6	15.1	1.0
Number of employees, end of period	85	91	80	78
Earnings per share (EPS), EUR	-0.01	-0.02	-0.01	0.00
Impairment of receivables / loan portfolio, %	3.7	3.4	3.7	3.2