OP Financial Group's key indicators
|
|
Q1–4/2020 |
Q1–4/2019 |
Change, % |
|
Earnings before tax, € million |
785 |
838 |
-6.3 |
|
Retail Banking |
115 |
235 |
-51.2 |
|
Corporate Banking |
349 |
311 |
12.5 |
|
Insurance |
348 |
373 |
-6.5 |
|
Other Operations |
3 |
-37 |
- |
|
New OP bonuses accrued to owner-customers, € million |
-255 |
-254 |
0.4 |
|
|
|
|
|
|
Return on equity (ROE), % |
5.0 |
5.5 |
-0.5* |
|
Return on equity, excluding OP bonuses, % |
6.6 |
7.1 |
-0.6* |
|
Return on assets (ROA), % |
0.42 |
0.47 |
-0.05* |
|
Return on assets, excluding OP bonuses, % |
0.55 |
0.60 |
-0.06* |
|
|
31 Dec 2020 |
31 Dec 2019 |
Change, % |
|
CET1 ratio, % |
18.9 |
19.5 |
-0.6* |
|
Loan portfolio, € billion |
93.6 |
91.5 |
2.4 |
|
Deposits, € billion |
70.9 |
64.0 |
10.8 |
|
Ratio of non-performing receivables to loan and guarantee portfolio, % |
2.0 |
1.1 |
0.9* |
|
Ratio of impairment loss on receivables to loan and guarantee portfolio, % |
0.23 |
0.09 |
0.14* |
|
Owner-customers (1,000) |
2,025 |
2,003 |
1.1 |
|
|
|
|
|
*Change in ratio
OP Financial Group's strategic targets |
31 Dec 2020 |
31 Dec 2019 |
Target 2025 |
|
Return on equity (ROE excluding OP bonuses), % |
6.6 |
7.1 |
8.0 |
|
CET1 ratio, % |
18.9 |
19.5 |
At least CET1 requirement + 4 pps |
|
Brand recommendations, NPS (Net Promoter Score, private and corporate customers)* |
23 |
26 |
30 |
|
Credit rating |
AA-/Aa3 |
AA-/Aa3 |
At least |
*Average of quarters (per year)