Reports and Presentations

GROUP’S KEY FIGURES (EUR 1,000)	1-12/2024	1-12/2023	7-12/2024	7-12/2023
Net interest income	15 075	14 757	8 280	7 331
Net commission and fee income	1 815	1 785	1 017	938
Total operating expenses	-12 781	-11 398	-6 350	-5 651
Impairment of receivables	-5 527	-5 443	-2 304	-3 023
Profit before taxes	-1 317	-140	678	-345
Profit before non-recurring items and taxes	-137	389	862	-20
Cost / income ratio, %	75	68	68	68
Balance sheet total	450 604	312 398	450 604	312 398
Return on equity (ROE), %	-3,9	-0,5	4,4	0,3
Total capital ratio (TC), %	17,6	15,1	17,6	15,1
Common Equity Tier (CET1), %	15,1	12,0	15,1	12,0
Number of employees, end of period	80	78	80	78
Earnings per share (EPS), EUR	-0,01	0,00	0,01	0,00
Impairment of receivables / loan portfolio, %	3,7	3,2	3,1	3,6