(EUR 1,000)

Net income from
financial operations

76,698

75,288

73,928

79,698

82,236

Other income

33,868

37,392

39,259

52,644

53,812

Expenses and depreciation

-88,251

-81,214

-75,530

-75,698

-83,952

Income before
loan losses

22,314

31,467

37,657

56,643

54,098

Loan losses

- 2,480

-1,310

-1,990

-7,500

Net operating profit

19,702

30,196

35,838

49,138

56,399

Profit for the
financial year

12,579

20,460

22,239

37,015

42,254

Earnings/share

0.36

0.58

0.63

1,05

1,20

Equity/share

5.03

5.44

5.87

6,89

7,14

Dividend/share
(EUR)

0.17

0.20

0.25

0.30

0.40

Dividend/ result
(%)

47.7

34.5

39.7

28.6

35,1 1)

Number of shares
at end of financial
year

35,258,050

35,258,050

35,298,050

35,298,050

35,298,050

Average number
of shares during
financial year

35,258,050

35,258,050

35,278,050

35,298,050

35,298,050

Balance sheet total

3,513,759

3,511,929

4,076,206

4,553,469

5,490,380

  Total return on
  assets ROA (%)

0.4

0.6

0.6

0.9

0.9

Equity capital

177,389

191,855

207,209

249,473

261,880

  Return on equity
  ROE (%)

7,2

11,1

11,2

16,3

16,6

  Equity ratio (%)

5.1

5.5

5.1

5.5

4.8

  Capital adequacy
   ratio (%)

13.1

13.9

14.1

15.1

13.8

  Tier 1 equity
  ratio (%)

9.0

9.7

9.4

9.8

9.2

Cost to income
ratio

0.80

0.72

0.67

0.57

0.61

Borrowing from
the public

1,926,286

2,001,793

2,195,768

2,308,567

2,552,787

Lending to
the public

2,412,025

2,594,996

2,891,994

3,249,522

3,760,754