| GROUP’S KEY FIGURES (EUR 1,000) | 1-12/2023 | 1-12/2022 |
|---|---|---|
| Net interest income | 14,757 | 9,053 |
| Net commission and fee income | 1,785 | 1,511 |
| Total operating expenses | -11,398 | -11,601 |
| Impairment of receivables | -4,999 | -8,321 |
| Profit before taxes | 303 | -9,684 |
| *Profit before non-recurring items and taxes | 832 | -7,750 |
| Cost / income ratio, % | 68 | 113 |
| Balance sheet total | 312,841 | 291,661 |
| Return on equity (ROE), % | 1.2 | neg. |
| Total capital ratio (TC), % | 15.2 | 16.8 |
| Common Equity Tier (CET1), % | 12.0 | 12.6 |
| Number of employees, end of period | 78 | 78 |
| Earnings per share (EPS), EUR | 0.00 | -0.14 |
| Impairment of receivables / loan portfolio, % | 2.9 | 5.1 |
The comparative figures from 2022 presented for the period 1-3/2022 are not comparable due to the changed business model resulting from the merger.
