Savings Banks Group`s financial highlights
| (EUR 1,000) | 1–12/2020 | 1–12/2019 | 1–12/2018 | 1–12/2017 |
1–12/2016 |
| Revenue | 337 938 | 362 701 |
278 517 |
331 366 | 304 340 |
| Net intrest income | 160 967 | 155 619 | 152 704 | 142 176 | 131 693 |
| % of revenue | 47,6 % | 42,9 % | 54,8 % | 42,9 % | 43,3 % |
| Profit before taxes | 66 740 | 94 807 | 36 408 | 88 210 | 69 603 |
| % of revenue | 19,7 % | 26,1 % | 13,1 % | 26,6 % | 23,9 % |
| Total operating revenue | 306 588 | 321 395 | 234 670 | 282 191 | 245 376 |
| Total operating expenses (excluding depreciations) | -220 157 | -219 145 | -197 718 | -182 693 | -158 060 |
| Cost to income ratio | 71,8 % | 68,2 % | 84,3 % | 64,7 % | 64,4 % |
| Total assets | 13 097 063 | 12 009 105 | 11 705 740 | 11 326 105 | 10 423 646 |
| Total equity | 1 155 709 | 1 118 391 | 1 028 796 | 1 017 520 | 953 402 |
| Return on equity % | 4,6 % | 6,9 % | 3,0 % | 7,3 % | 6,2 % |
| Return on assets % | 0,4 % | 0,6 % | 0,3 % | 0,7 % | 0,6 % |
| Equity/assets ratio % | 8,8 % | 9,3 % | 9,2 % | 9,0 % | 9,1 % |
| Solvency ratio % | 19,1 % | 19,1 % | 18,2 % | 19,1 % | 19,5 % |
| Impairment losses on loans and other receivables | -19 760 | -8 379 | -3 868 | -13 266 | -8 411 |
Formulas used in calculating the financial highlights:
| Revenues: |
Interest income, fee income, net trading income, net investment income, net life insurance income, other operating revenue |
| Total operating revenue: |
Net interest income, net fee and comission income, net trading income, net investment income, net life insurance income, other operating revenue |
| Total operating expenses: |
Personnel expenses, other operating expenses, depreciation and impairment charges on tangible and intangible assets |
| Cost to income ratio: |
Total operating expenses |
| Return on equity %: |
Profit |
| Return on assests %: |
Profit |
| Equity/assets ratio %: |
Equity (incl. non-controlling interests |