Financial and Mortgage Portfolio Overview
Financial overview
Key figures & ratios
2Q22
1Q22
4Q21
3Q21
2Q21
PROFITABILITY Profit for the period, ISKm
5,880
5,187
7,092
7,587
5,431
Return on equity
11.7%
10.2%
14.2%
15.7%
11.6%
Net interest margin (of total assets)
2.9%
2.6%
2.4%
2.4%
2.4%
Cost-to-income ratio 1
42.7%
47.6%
Cost of risk 2
(0.20%)
45.3%
49.9%
(0.17%) (0.23%) (0.64%) (0.42%)
39.4%
BALANCE SHEET Loans to customers, ISKm
Total assets, ISKm
Risk exposure amount, ISKm
30.6.22
1,153,677
31.3.22 31.12.21
30.9.21
30.6.21
1,107,893 1,086,327 1,081,418 1,089,723
1,437,253 1,446,355 1,428,821 1,456,372 1,446,860
901,646 917,764 924,375
992,883
945,321
Deposits from customers, ISKM
756,862
761,471
744,036
754,442
765,614
Customer loans to customer deposits ratio
152%
145%
146%
143%
142%
Non-performing loans (NPL) ratio³
1.8%
1.8%
2.0%
2.0%
2.1%
LIQUIDITY
Net stable funding ratio (NSFR), for all currencies
Liquidity coverage ratio (LCR), for all currencies
118%
123%
122%
121%
122%
147%
195%
156%
225%
187%
CAPITAL
Total equity, ISKM
CET 1 ratio4
Tier 1 ratio4
Total capital ratio 4
Leverage ratio4
203,662
197,201
203,710
197,381
190,355
18.2%
18.8%
21.3%
20.6%
20.1%
19.2%
19.9%
22.5%
21.8%
20.1%
21.5%
22.5%
25.3%
24.7%
22.9%
12.5%
12.4%
13.6%
13.2%
12.4%
1.Calculated as (Administrative expenses + Contribution to the Depositors' and Investors' Guarantee Fund - One-off items) / (Total operating income - One-off items). 2. Negative
cost of risk means that there is a net release of impairments. 3. Stage 3, loans to customers, gross carrying amount. 4. Including 3Q21 profit for 30.9.21 and 1Q22 profit for 31.3.22.
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August-September 2022View entire presentation