Financial Summary
2022 | 2021 | 2020 | 2019 | 2018 | |
Return on equity after taxes. % /(ROE) | 12.8 | 14.0 | 11.6 | 10.7 | 9.8 |
Expense/income ratio | 0.72 | 0.69 | 0.7 | 0.73 | 0.77 |
Loan loss level. % | 0.14 | 0.12 | 0.11 | 0.08 | 0.02 |
Gross share of loans in Stage 3, % | 1.61 | 1.23 | 0.86 | 0.81 | 0.49 |
Liquidity coverage ratio (LCR), % | 138 | 139 | 159 | 139 | 120 |
Net stable funding ratio (NSFR), % | 108 | 109 | 106 | 115 | 115 |
Loan/deposit ratio, % | 103 | 118 | 121 | 122 | 122 |
Common equtiy Tier 1 capital ratio, % | 12.0 | 12.1 | 14.3 | 13.4 | 13,0 |
Tier 1 capital ratio, % | 13.6 | 13.6 | 14.3 | 13.4 | 13,0 |
Total capital ratio, % | 15.2 | 15.4 | 16.5 | 15.8 | 15.4 |
Leverage ratio, % | 4.3 | 4.3 | 4.2 | 3.7 | 3.6 |
Working hours re-calculated to full-time equivalent positions | 854 | 815 | 751 | 700 | 691 |
Earnings per share, EUR | 2.37 | 2.55 | 2.02 | 1.69 | 1.48 |
Earnings per share, EUR, moving 12-month average to end of report period | 18.82 | 19.39 | 18.76 | 16.61 | 15.67 |
Equity capital per share, EUR | 2.05 | 2.00 | 1.00 | 1.00 | 0.7 |