Reports and Presentations

GROUP’S KEY FIGURES (EUR 1,000)	1-6/2024	1-6/2023	1-12/2023
Net interest income	7 175	7 427	14 757
Net commission and fee income	417	847	1 785
Total operating expenses	-6 432	-5 747	-11 398
Impairment of receivables	-3 223	-2 235	-5 257
Profit before taxes	-1 995	390	45
Profit before non-recurring items and taxes	-999	467	574
Cost / income ratio, %	84	69	68
Balance sheet total	565 440	287 527	312 583
Return on equity (ROE), %	-13.0	2.6	0.2
Total capital ratio (TC), %	14.0	15.5	15.2
Common Equity Tier (CET1), %	11.6	12.0	12.0
Number of employees, end of period	91	85	78
Earnings per share (EPS), EUR	-0.02	0.00	0.00
Impairment of receivables / loan portfolio, %	3.4	3.8	3.1