OP Financial Group  >  Financial information  >  Key indicators
 
 

OP Financial Group's key indicators

2014/
Q1-Q4 
 2014/
Q1-Q3
2013/
Q1-Q3 
2013/
Q1-Q4 
Locations456 457496485
Personnel
12,548 
12,60513,60413,461
Customers (thousands)4,284 4,2734,2464,252
Online service agreements (thousands)1,615 1,6211,6371,646
Owner-members (thousands)1,434 1,4261,3961,404
Contributions to Group member banks' profit shares,
membership capital and supplementary cooperative
capital , MEUR
1,900 1,500741746
    
Balance sheet total, EUR billion110.4 106.3101.2101.0
Loan portfolio, EUR billion70.7 70.067.768.1
Deposits, EUR bllion48.8 47.746.747.3
Receivables more than 90 days overdue,
EUR billion
0.3 0.30.30.3
    
Equity capital, EUR billion7.2 6.77.57.7
    
Insurance savings, EUR billion10.6 10.39.19.4
Capital invested in mutual funds, EUR billion17.5 16.814.114.4
    
Net interest income, MEUR1,043 774668915
Other income, MEUR1,746 1,3541,2961,660
Total income, MEUR2,789 2,1281,9642,575
Total expenses, MEUR1,592 1,1921,1601,598
Impairment losses on receivables, MEUR88 504984
Returns to owner-members, MEUR195 147145193
Earnings before tax, MEUR915 739610701
    
Cost/income ratio, banking, %56 556161.6
Common Equity Tier 1 (CET1) ratio, % / Core Tier 1**15.1 13.6-17.1
Ratio of capital base to minimum amount of
capital base (under the Act on the Supervision  
of Financial and Insurance Conglomerates) 
1.89 1.79 -2.19

** The comparatives are presented
based on the regulatory framework
that came into effect from 1 January 2014.
    


 

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