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OP Financial Group's key indicators

OP Financial Group's key indicators

 

Q1-3/2017

Q1-3/2016

Change, %

Q1-4/2016

EBT, € million

873

921

-5.1

1,138

  Banking

513

448

14.4

574

  Non-life Insurance

137

206

-33.4

244

  Wealth Management

190

183

4.3

226

  Other Operations

32

83

-61.3

95

New OP bonuses accrued to owner-customers

164

154

6.0

208

 

30 Sept. 2017

30 Sept. 2016

Change, %

31 Dec. 2016

Common Equity Tier 1 (CET1) ratio, %

19.2

19.7

-0.5*

20.1

Return on economic capital, % **

21.4

22.2

-0.8*

22.7

Ratio of capital base to minimum amount of capital base (under the Act on the Supervision of Financial and Insurance Conglomerates), % ***

146

164

-18*

170

Ratio of impairment loss on receivables to loan and guarantee portfolio, %

0.04

0.06

0.0*

0.09

Owner-customers (1,000)

1,810

1,719

5.3

1,747

 

 

Comparatives deriving from the income statement are based on figures reported for the corresponding period in 2016. Unless otherwise specified, balance sheet and other cross-sectional figures on 31 December 2016 are used as comparatives. In the reporting period, non-recurring items included VAT refunds of EUR 22 million and a 19-million-euro profit from the sale of the portfolio of agreements and POS terminals of merchant acquiring and POS terminal services. A non-recurring item a year ago included a gain from the sale of Visa Europe Ltd, totalling EUR 71 million.

 

* Change in ratio

** 12-month rolling

*** The FiCo ratio has been calculated under Solvency II transitional provisions.

 

 

OP Financial Group's numerical targets

 

30 Sept. 2017

31 Dec. 2016

Target

2019

Customer experience, NPS (-100-+100)

 

 

 

      Brand

20.4

22.7

25

      Service

57

53

70, over time 90

Common Equity Tier 1 (CET1) ratio, %

19.2

20.1

22

Return on economic capital, % (12-month rolling)

21.4

22.7

22

Expenses of present-day business (12-month rolling), € million

1,645

1,532

Expenses for 2020 at 2015 level (1,500)

Owner-customers, million

1.8

1.7

2.1 (2019)

 

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