OP-Pohjola Group  >  Financial information  >  Key indicators
 
 

OP-Pohjola Group's key indicators


 2013/
Q1-Q4
2013/
H1
2012/
Q1-Q4
 
2012/
H1
 
Member cooperative banks188 201201 203 
Locations485 499519 530 
Personnel12,587 12,81913,411 13,442 
    
Customers (thousands)4,252 4,2244,210 4,171 
Online service agreements (thousands)1,646 1,6271,611 1,586 
Owner-members (thousands)1,404 1,3881,371 1,345 
Cooperative capital investments, MEUR746 781759 778 
    
Balance sheet total, EUR billion101.0 100.599.8 95.5 
Loan portfolio, EUR billion68.2 67.565.1 63.0 
Deposits, EUR bllion47.4 46.845.0 43.2 
Non-performing and zero-interest receivables,
EUR billion
0.3 0.30.4 0.3 
    
Equity capital, EUR billion7.7 7.27.1 6.7 
    
Insurance savings, EUR billion9.4 8.98.6 6.9 
Capital invested in mutual funds, EUR billion14.4 13.211.9 10.9 
    
Net interest income, MEUR913 4351,003 529 
Other income, MEUR1,599 8581,368 684 
Total income, MEUR2,512 1,2922,371 1,213 
Total expenses, MEUR1,530 7671,494 760 
Impairment losses on receivables, MEUR84 3299 28 
Returns to owner-members, MEUR193 96192 96 
Earnings before tax, MEUR705 398586 329 
    
Cost/income ratio, banking, %60 6258 58 
Capital adequacy ratio, %14.3 13.714.1 14.7 
Ratio of capital base to minimum amount of
capital base (under the Act on the Supervision  
of Financial and Insurance Conglomerates) 
1.90  1.811.90 2.01 


 

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