Net interest income and net fee and commission income, MEUR |
190.2 |
189.8 |
174.6 |
157.9 |
154.2 |
Administrative expenses, MEUR |
40.7 |
42.8 |
42.7 |
42.0 |
41.4 |
Write-down on receivables and guarantee losses, MEUR |
97.5 |
111.6 |
125.0 |
87.3 |
74.6 |
Credit loss compensation from the State, MEUR |
63.7 |
48.0 |
49.7 |
31.9 |
25.4 |
Operating profit or loss, MEUR |
102.0 |
75.1 |
54.1 |
62.3 |
62.0 |
Profit for the year, MEUR |
101.3 |
74.5 |
53.4 |
59.7 |
62.9 |
Return on equity, % |
11.3 |
9.3 |
7.3 |
9.3 |
10.5 |
Return on assets, % |
1.8 |
1.8 |
1.6 |
2.4 |
2.4 |
Equity ratio, % |
14.4 |
18.4 |
20.3 |
24.7 |
23.8 |
Capital adequacy ratio, Tier 2, % * |
18.6 |
16.9 |
16.3 |
15.5 |
14.6 |
Expense-income ratio, % |
25.7 |
27.0 |
27.6 |
29.2 |
30.4 |
Balance sheet total, MEUR |
6,628.6 |
4,603.5 |
3,807.8 |
2,890.2 |
2,664.1 |
Shareholders’ equity, MEUR |
956.0 |
848.5 |
771.8 |
714.8 |
633.5 |
- of which non-restricted reserves, MEUR |
703.1 |
594.8 |
513.3 |
455.8 |
374.6 |
Personnel at year-end |
394 |
399 |
411 |
413 |
418 |
Finnvera plc, SME financing |
|
|
|
|
|
Financing granted, MEUR |
1,003 |
827 |
933 |
1,051 |
1,029 |
Outstanding commitments as per the balance sheet and contingencies at year’s end |
|
|
|
|
|
- Outstanding credits, MEUR |
1,265 |
1,409 |
1,555 |
1,660 |
1,731 |
- Outstanding guarantees, MEUR |
988 |
1,047 |
1,068 |
1,093 |
1,065 |
- Export guarantees and export credit guarantees |
385 |
353 |
315 |
368 |
338 |
Start-up enterprises |
3,247 |
3,473 |
3,123 |
3,397 |
3,611 |
New jobs, number |
8,105 |
8,663 |
8,660 |
10,159 |
8,994 |
Finnvera plc, Export financing |
|
|
|
|
|
Export credit guarantees and special guarantees offered, MEUR |
5,034 |
3,327 |
5,272 |
3,722 |
2,264 |
Total outstanding commitments, MEUR |
12,216 |
10,651 |
10,889 |
9,997 |
8,593 |
Finnvera plc, clients and personnel |
|
|
|
|
|
Number of clients, SME Financing and Export Financing together |
28,800 |
29,700 |
30,000 |
29,900 |
29,300 |
Personnel at year’s end |
376 |
382 |
393 |
391 |
397 |
*The capital adequacy rate for the years 2010-2012 has been calculated according to the Basel II methods. |