Key indicators

	Q1–3/2019	Q1–3/2018	Change, %	Q1–4/2018
Earnings before tax, € million	706	687	2.8	1,017
Retail Banking	193	194	-0.5	421
Corporate Banking	232	299	-22.4	408
Insurance	278	240	16.0	260
Other Operations	3	-38	-	-64
New OP bonuses accrued to owner-customers	-191	-171	-	-230

Return on economic capital, %**	20.3	18.7	1.6*	20.8
Return on equity (ROE), %	6.2	6.5	-0.3*	6.9
Return on equity, excluding OP bonuses, %	7.8	8.1	-0.3*	8.5
Return on assets (ROA), %	0.53	0.53	0.0*	0.57
Return on assets, excluding OP bonuses, %	0.67	0.66	0.0*	0.70
	30 Sep 2019	30 Sep 2018	Change, %	31 Dec 2018
CET1 ratio, %	19.6	20.0	-0.3*	20.5
Ratio of capital base to minimum amount of capital base (under the Act on the Supervision of Financial and Insurance Conglomerates, or Fico), % ***	137	149	-12*	147
Loan portfolio, € billion	91.0	86.0	5.8	87.1
Deposits, € billion	62.6	61.6	1.6	61.3
Ratio of non-performing receivables to loan and guarantee portfolio, %****	1.1	1.1	0.0*	1.0
Owner-customers (1,000)	1,979	1,888	4.8	1,911

*Change in ratio
**12-month rolling
***The FiCo ratio has been calculated for insurance companies using transition provisions included in solvency regulation.
****Non-performing receivables refer to receivables that are more than 90 days past due, other receivables classified as risky and forborne receivables related to such receivables due to the customer's financial difficulties.

Strategic targets

OP Financial Group's strategic targets	30 Sep 2019	31 Dec 2018	Target 2019
Customer experience, Net Promoter Score (NPS) (-100–+100)
Brand	24	23	25
Service encounter	61	61	70
CET1 ratio, %	19.6	20.5	22
Return on economic capital, % (12-month rolling)	20.3	20.8	22
Expenses of present-day business (12-month rolling), € million	1,835	1,833	Expenses for 2020 at 2015 level (1,500)
Owner-customers, million	1.98	1.91	2.0