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OP Financial Group's Key Indicators

OP Financial Group's Interim Report 1 January–30 September 2019: Earnings before tax EUR 706 million – income increased by three percent and expenses decreased by one percent

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