Creditstar Group AS. Interim Report. January June 2017
|
|
- Janis Butler
- 6 years ago
- Views:
Transcription
1 Creditstar Group AS Interim Report January June 2017 Tallinn 31 July 2017
2 Highlights during the second quarter Creditstar Group s subsidiary ZiiP launches a new credit line product and rebrands into Monefit In April, Creditstar Group s Estonian subsidiary ZiiP OÜ announced the launch of and started operating in the Estonian market. ZiiP OÜ has been renamed to Monefit Estonia OÜ and will continue operating under the Monefit brand. The new product is a revolving credit that doesn t have a fixed number of payments, in contrast to instalment loans, but customers have to make a minimum monthly payment (currently at 8% from the withdrawn loan principal). It allows the credit amount to be withdrawn, repaid, and redrawn again, in any form and any number of times, until the arrangement expires. Credit line is like a credit card, but without the actual card. Lenders are granted a maximum credit line (currently up to 3000 Euros), which can be used at any time. Borrowers are only charged on the funds they withdraw, making this product very flexible from the consumers point of view. Consumers can plan withdrawal of funds and repayment of funds depending on their cash flow position. The Group expects to roll out credit line products in other target markets in due course. Creditstar started using peer-to-peer lending marketplace to generate additional funding Creditstar started placing personal unsecured loans at Mintos (P2P lending marketplace with 30,000 investors from 63 countries) to generate additional funding. Currently selected Creditstar Poland and Creditstar Spain loans are placed on the marketplace. Improvement of underwriting and scoring models across all markets The Group will continue to improve its proprietary technology and underwriting models across all markets and platforms. We are improving our specialised statistical and machine learning models in our lending platform in order to make better lending decisions, expand our customer base more effectively, optimise marketing, and perform other advanced business analysis and forecasting.
3 Financial performance 2Q 2017 Net profit EUR 606 thousand Profit and interest income Interest income increased 13.7% compared with the 1st quarter of Increase in interest income resulted due to growth in lending volumes both from current and new target markets. Net profit amounted to EUR 606 thousand Operating profit increased 9% to EUR thousand in the 2nd quarter of 2017 compared with the 1st quarter of 2017 (EUR thousand). Expenses Operating expenses increased from EUR thousand in 1st quarter of 2017 to EUR thousand in 2nd quarter of Interest expense on loans and issued bonds amounted to EUR thousand EUR Wages and salaries cost increased by EUR 40 thousand in the 2nd quarter of 2017 Loan impairment charges Loan impairment charges amount to EUR 905 thousand in 2nd quarter of Adjustments The interim report at hand reflects financial statements after the yearly results for 2016 have been audited. Small adjustments to prior periods have been made in this report.
4 Statement of the management board The financial and other additional information published in the Interim Report January June 2017 is true and complete. Consolidated financial statements give a true and fair view of the actual financial position, results of operations and cash flows of the group. Consolidated financial statements in the report for the period January June 2017 are not audited. Aaro Sosaar Member of the Management Board Tallinn,
5 Consolidated Income Statement In thousands Euros s Q Q Q Q 2017 Interest income Interest expense Net interest income Other operating income Other operating expenses Wages and salaries Depreciation Operating profit Loan impairment charges Corporate income tax Net profit
6 Consolidated Balance Sheet In thousands Euros s Assets Cash Loans to customers Other assets Total assets Liabilities and Equity Borrowings Payables and prepayments Total liabilities Equity Issued capital Mandatory reserve Retained earnings Total equity Total Liabilities and Equity
7 Consolidated Cash Flow Statement In thousands Euros s Operating activities Q2016 4Q2016 1Q2017 2Q2017 Net profit Adjustment to net profit: Depreciation Interest income Interest expense Impairments Other adjustments Change in operating assets: Loans to customers Other receivables and prepayments Change in operating liabilities Net cash flow from operating activities Investing activities Purchase of intangible assets Other loans issued Repayment of other loans issued Total cash flow from investing activities Financing activities Proceeds from debt issued and borrowed funds Repayment of debt issued and borrowed funds Interest paid Total cash flow from financing activities Total cash flow Cash and cash equivalents in beginning Change in cash and cash equivalents Cash and cash equivalents in the end
8 GROUP Creditstar Group AS Lõõtsa Tallinn, Estonia Phone: Fax: ESTONIA FINLAND SWEDEN LITHUANIA Creditstar Estonia AS Lõõtsa Tallinn Estonia Creditstar Finland Oy Business Center Aleksi Aleksanterinkatu 15B Helsinki, Finland Creditstar Sweden AB Mästersamuelsgatan Stockholm Sweden Creditstar Lithuania UAB Olimpiečių g.1a Vilnius Lithuania Phone: Fax: Phone: Fax: Phone: Fax: Phone: Fax: POLAND UNITED KINGDOM CZECH REPUBLIC SPAIN Creditstar Poland Sp. z o.o. Warsaw Financial Centre ul. Emilii Plater 53 Warsaw , Poland Creditstar UK (UCSL LTD) 17 Hanover Square London, W1S 1BN United Kingdom Creditstar Czech S.R.O Pobřežní 249/46, Karlín , Prague 8 Czech Republic Creditstar Spain S.L Avinguda Pau Casals, número 10, Principal 2a Barcelona Spain Phone: Phone: Phone: Phone:
4finance investor presentation. Pareto Securities Conference in Stockholm, Sweden 7 March 2017
4finance investor presentation Pareto Securities Conference in Stockholm, Sweden 7 March 2017 0 4finance: Europe s largest online & mobile consumer lender Putting our customers first, providing a convenient
More informationOlympic Entertainment Group AS. Consolidated interim financial statements for the 1 st half-year and the 2 nd quarter of 2011 (unaudited)
Consolidated interim financial statements for the 1 st half-year and the 2 nd quarter of 2011 (unaudited) Beginning of reporting period 1 January 2011 End of reporting period 30 June 2011 Business name
More informationAS CAPITALIA Unaudited consolidated interim financial statements For the period
AS CAPITALIA Unaudited consolidated interim financial statements For the period 01.01.2017 30.09.2017 Prepared in accordance with the international financial reporting standards as adopted by EU Information
More informationLPP SA Capital Group Consolidated 2012 half-year report
Including: 1. Statement of the Management Board in accordance with the provisions of the Regulation of the Council of Ministers of 19 February 2009 on current and interim information provided by issuers
More informationOlympic Entertainment Group AS
Unaudited consolidated interim financial statements for the 12 months and 4 th quarter of 2010 Business name Registration number 10592898 Address Pronksi 19, Tallinn 10124 Telephone +372 6 671 250 Fax
More informationLPP S.A. Group Interim condensed financial statements for the third quarter of 2010
LPP S.A. Group Gdańsk November 2010 1. Selected Consolidated Financial Data of LPP S.A. Capital Group in PLN III quarter of 2010 thousand III quarter of III quarter of III quarter of 2009 2010 2009 Selected
More informationRETAIL DISCOUNT NEW BREED OF MARKETPLACES
RETAIL DISCOUNT NEW BREED OF MARKETPLACES Raising working capital has always been quite a difficult endeavor for a balance sheet lender focused on a non-prime segment. There are several ways to get working
More informationCapital Market Day 2008 Financial Update
Capital Market Day 28 Financial Update Heli Iisakka, CFO 1 27 May, 28 CMD Ramirent Q1 28 Highlights Net sales increased by 18.7% to 162.1 (1-3/27:136.6) EBITDA up 12.% to 52.1(46.5) EBIT up 1.5% to 29.5
More informationNew strategy well under way, operating profit up in the second quarter
Interim Report Q2 2015 2 STOCKMANN S INTERIM REPORT Q2 2015 STOCKMANN plc, Interim Report 29.4.2015 at 8.00 EET New strategy well under way, operating profit up in the second quarter April-June 2015: Consolidated
More information4finance Holding SA Investor Presentation for 6 month 2016 results
4finance Holding SA Investor Presentation for 6 month 2016 results 31 August, 2016 0 Summary of first half 2016 4finance has established a leading business with strong growth prospects European market
More informationUAB NEO Finance Board report 2017Q3 Vilnius
UAB NEO Finance Board report 217Q3 Vilnius 217-1-5 Press releases Social events 29/8/217 Event for VIP investors Comment on NEO Finance provision fund Read more IQ magazine: P2P lending a trustworthy way
More informationEIB Financing for Social and Affordable Housing
EIB Financing for Social and Affordable Housing Andrea Colantonio, Urban Development Division, European Investment Bank Affordable housing for inclusive cities, 16 th May 2018 Brussels European Investment
More informationInbank AS Company presentation Q
Inbank AS Q4 2018 1 Overview of Inbank Inbank is an Estonian consumer finance focused digital bank with an EU credit institution license Founded in 2010 by former banking executives Priit Põldoja and Jan
More informationUAB NEO Finance Sales report 2018Q2 Vilnius
UAB NEO Finance Sales report 218Q2 Vilnius 218-7-1 Events Social events April NEO Finance team participated in Soft- Landing programme in the Netherlands; May 2 training sessions for beginners and experts
More informationOlympic Entertainment Group AS. Consolidated interim financial statements for the 3 rd quarter and the 9-month period of 2012 (unaudited)
Consolidated interim financial statements for the 3 rd quarter and the 9-month period of 2012 (unaudited) (translation of the Estonian original)* Beginning of reporting period 1 January 2012 End of reporting
More informationLabour market and Social Policy Review of Estonia
Labour market and Social Policy Review of Estonia Launch of the review, 11 May 2010 John Martin & Veerle Slootmaekers Directorate for Employment, Labour and Social Affairs, OECD www.oecd.org/els/estonia2010
More informationAS MERKO EHITUS GROUP. Consolidated interim report 6M 2007
AS MERKO EHITUS GROUP Consolidated interim report 6M 2007 Commercial Registry No: 10068022 Address: 9G Järvevana road, 11314 Tallinn Telephone: +372 680 5105 Fax: +372 680 5106 E-mail: merko@merko.ee Homepage:
More informationSwedbank AS* Interim report January-September 2011 Tallinn, 30 November 2011
* Interim report January-September Tallinn, 30 November Third quarter compared with second quarter Profit for the period for continuing operations was EUR 34m (34m) The return on equity was 34.3 per cent
More informationEUR millions H H Change H H Change
The Group at a Glance KEY FIGURES EUR millions Group Bank H1 H1 Change H1 H1 Change Net interest income 31.1 29.5 5% 23.6 23.7 (0%) Net commission and fee income 18.3 17.2 6% 13.1 12.3 6% Operating income
More informationContinuously improved performance in Stockmann Retail and Real Estate Group s operating result negatively impacted by Lindex
Interim report Q3 2017 2 STOCKMANN S INTERIM REPORT Q3 2017 STOCKMANN plc, Interim report 27.10.2017 at 8:00 EET Continuously improved performance in Stockmann Retail and Real Estate Group s operating
More informationSWEDBANK P&C INSURANCE AS
SWEDBANK P&C INSURANCE AS Interim Report As of 31 December 2015 Business name Commercial Register code 11269248 Address 12 Liivalaia St., Tallinn 15039, Estonia Telephone +372 888 2220 Fax +372 888 2221
More informationOlympic Entertainment Group AS. Consolidated interim financial statements for the Q3 and 9 months of 2017 (unaudited)
Consolidated interim financial statements for the Q3 and 9 months of 2017 (unaudited) (translation of the Estonian original)* Beginning of reporting period 1 January 2017 End of reporting period 30 September
More informationAVIA SOLUTIONS GROUP AB. Consolidated Interim Financial Information, For the Nine-Month Period Ended 30 September 2017 (Unaudited)
Consolidated Interim Financial Information, For the Nine-Month Period Ended 30 September 2017 (Unaudited) 1 Beginning of the financial period 1 January 2017 End of reporting period 30 September 2017 Name
More informationOlympic Entertainment Group AS. Consolidated interim financial statements for the Q4 and 12 months of 2017 (unaudited)
Consolidated interim financial statements for the Q4 and 12 months of 2017 (unaudited) (translation of the Estonian original)* Beginning of reporting period 1 January 2017 End of reporting period 31 December
More information4finance Holding SA Investor Presentation for full year 2016 results
4finance Holding SA Investor Presentation for full year 2016 results 2 March, 2017 0 Summary of full year 2016: 4finance continues to deliver 4finance has established a leading business European market
More informationCONSOLIDATED CONDENSED INTERIM FINANCIAL INFORMATION FOR THE NINE MONTH PERIOD ENDED 30 SEPTEMBER 2016
UNAUDITED CONTENTS Pages CONSOLIDATED INTERIM STATEMENT OF COMPREHENSIVE INCOME 3 CONSOLIDATED INTERIM BALANCE SHEET 4 CONSOLIDATED INTERIM STATEMENT OF CHANGES IN EQUITY 5 6 CONSOLIDATED INTERIM STATEMENT
More informationMERKO EHITUS GROUP 6 months and Q interim report. August 2015
MERKO EHITUS GROUP 6 months and Q2 2015 interim report August 2015 Agenda 1. Key highlights 2. Business review 3. Financial position 4. Market outlook 2 300 MW Estonia Power Plant of Eesti Energia Merko
More informationAB NOVATURAS CONSOLIDATED INTERIM FINANCIAL REPORT. For the first Quarter of (non-audited)
AB NOVATURAS CONSOLIDATED INTERIM FINANCIAL REPORT For the first Quarter of 2018 (non-audited) Beginning of reporting period 1 January 2018 End of reporting period 31 March 2018 Business name Legal form
More informationH & M HENNES & MAURITZ AB NINE-MONTH REPORT
H & M HENNES & MAURITZ AB NINE-MONTH REPORT 1 December 2012 31 August 2013 NINE-MONTHS The H&M Group s sales including VAT increased in local currencies by 8 percent in the first nine months of the financial
More informationLoan Contract no. (Confirmation of a Loan Contract conclusion)
Loan Contract no. (Confirmation of a Loan Contract conclusion) This document constitutes a confirmation of conclusion of a loan contract of by and between 1. Creditstar Poland Sp. z o.o with its registered
More informationMobile Bank. Countries. Year-on-year profit growth. Frankfurt Prime Standard
2 Consumer loans Business loans Mobile Bank years of profitable growth Active & former customers Countries Q1 2018 revenue Year-on-year revenue growth Year-on-year profit growth Founded Helsinki 2005 EU
More informationMobile Bank. Countries. Year-on-year EBIT growth. Frankfurt Prime Standard
Consumer loans Business loans Mobile Bank years of profitable growth Active & former customers Countries H1 2018 revenue Year-on-year revenue growth Year-on-year EBIT growth Founded Helsinki 2005 EU Banking
More informationFunc Food Group Financial Release / Q2 2018
Func Food Group Financial Release / Q2 2018 Func Food Group Financial Release / Q2 2018 Func Food Group / Q2 2018 3 FUNC FOOD GROUP IN BRIEF Func Food Group ( FFG ) is a Nordic wellness company, which
More informationOlympic Entertainment Group AS. Consolidated interim financial statements for the Q2 and 6 months of 2017 (unaudited)
Consolidated interim financial statements for the Q2 and 6 months of 2017 (unaudited) (translation of the Estonian original)* Beginning of reporting period 1 January 2017 End of reporting period 30 June
More informationABC DATA S.A. FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2014 WITH AUDITOR S OPINION
ABC DATA S.A. FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2014 WITH AUDITOR S OPINION Statement of comprehensive income... 4 Balance sheet... 5 Cash flow statement... 6 Statement of changes in
More informationESTRAVEL ANNUAL REPORT 2016
ESTRAVEL ANNUAL REPORT 2016 CONTENT ADDRESS BY MEMBERS OF THE MANAGEMENT BOARD 3 MANAGEMENT REPORT FINANCIAL HIGHLIGHTS OF ESTRAVEL AS 5 SUMMARISED SALES OF ESTRAVEL GROUP 6 SALES BREAKDOWN BY PRODUCT
More informationUmbrella type Harmonized investment fund DOVRE UMBRELLA FUND Rules
Umbrella type Harmonized investment fund DOVRE UMBRELLA FUND Rules I. FUND NAME Investment fund name Umbrella type harmonized investment fund Dovre Umbrella Fund (hereinafter - the Fund) Kind of investment
More informationAS CAPITALIA. Unaudited consolidated interim financial statements For the period
AS CAPITALIA Unaudited consolidated interim financial statements For the period 01.01.2016 30.06.2016 Prepared in accordance with the international financial reporting standards as adopted by EU Information
More informationBIGBANK AS Public Interim Report Third Quarter 2013
BIGBANK AS Public Interim Report Third Quarter BIGBANK AS Consolidated interim report for the third quarter and 9 months of BIGBANK AS CONSOLIDATED INTERIM REPORT FOR THE THIRD QUARTER AND 9 MONTHS OF
More informationMorgan Stanley European Financials Conference, London 27 March Jan Erik Back CFO SEB
Morgan Stanley European Financials Conference, London 27 March 212 Jan Erik Back CFO SEB In the new world, what are SEB s priorities? Relationship banking as the key franchise driver Response to the new
More informationBigbank AS Interim condensed consolidated financial statements for the period ended 31 March 2017
Interim condensed consolidated financial statements for the period ended 31 March 2017 Bigbank AS Interim condensed consolidated financial statements for the period ended 31 March 2017 Business name Bigbank
More informationFAST. CONVENIENT. RELIABLE.
FAST. CONVENIENT. RELIABLE. Who are we? Founded in 2005, the Placet Group issued its first loan in 2007 The company provides both secured and unsecured loans to individuals and legal entities. The company
More informationDuring the first quarter, the revenue grew and the operating result remained at the previous year s level.
1 (14) MARTELA CORPORATION STOCK EXCHANGE RELEASE 27 April 2012 at 8.30 a.m. MARTELA CORPORATION INTERIM REPORT, 1 JANUARY - 31 MARCH 2012 During the first quarter, the revenue grew and the operating result
More informationOPERATIONAL AND STRATEGIC HIGHLIGHTS FINANCIAL HIGHLIGHTS AND PROGRESS
MOGO FINANCE REPORTS UNAUDITED RESULTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2018 Investments for further increases in profitability while improving performance quarter on quarter OPERATIONAL AND STRATEGIC
More informationH & M HENNES & MAURITZ AB THREE-MONTH REPORT
THREE-MONTH REPORT 2010 H & M HENNES & MAURITZ AB THREE-MONTH REPORT 1 December 2009 28 February 2010 THE FIRST QUARTER The H&M Group s sales excluding VAT amounted to SEK 24,846 m (23,299), an increase
More informationAS BALTIKA. Consolidated interim report for the second quarter and 6 months of 2017
AS BALTIKA Consolidated interim report for the second quarter and 6 months of 2017 Commercial name AS Baltika Commercial registry number 10144415 Legal address Veerenni 24, Tallinn 10135, Estonia Phone
More informationAB NOVATURAS CONSOLIDATED INTERIM FINANCIAL STATEMENTS. for the nine-month period ended 30 September (unaudited)
AB NOVATURAS CONSOLIDATED INTERIM FINANCIAL STATEMENTS for the nine-month period ended 30 September 2018 (unaudited) AB Novaturas Consolidated Financial Statements and Interim Report for the Nine-Month
More informationBondora AS. Group annual report 2016
Bondora AS Group annual report 2016 GROUP ANNUAL REPORT Beginning of financial year 1 January 2016 End of financial year 31 December 2016 Business name Bondora AS Registry number 11483929 Address A. H.
More informationTurnover, M 46,5 45,4 47,6 47,6. Operating profit, M 1,1 3,6 4,7 2,9. Operating profit as percentage of turnover 2,4 7,9 9,9 6,1
Annual report 2011 Lappset s strong financial position creates a foundation for growth The worldwide economic downturn and especially difficult markets in Europe did affect negatively Lappset s sales during
More informationMARTELA FINANCIAL STATEMENTS / February 2011
FINANCIAL STATEMENTS 01-12 / 9 February 2011 JANUARY DECEMBER Demand for office furniture has not significantly changed during in our main markets. Consolidated revenue for January-December amounted to
More informationKey figures 7-9/ /2009 Index
STOCKMANN plc Interim report 27.10.2010 at 8.00 STOCKMANN plc INTERIM REPORT 1 JANUARY 30 SEPTEMBER 2010 STOCKMANN S OPERATING PROFIT GREW SOMEWHAT The Stockmann Group s third-quarter revenue was up by
More informationCONSOLIDATED CONDENSED INTERIM FINANCIAL INFORMATION FOR THE TWELVE MONTH PERIOD ENDED 31 DECEMBER 2016
UNAUDITED CONTENTS Pages CONSOLIDATED INTERIM STATEMENT OF COMPREHENSIVE INCOME 3 CONSOLIDATED INTERIM BALANCE SHEET 4 CONSOLIDATED INTERIM STATEMENT OF CHANGES IN EQUITY 5 6 CONSOLIDATED INTERIM STATEMENT
More informationEU BUDGET AND NATIONAL BUDGETS
DIRECTORATE GENERAL FOR INTERNAL POLICIES POLICY DEPARTMENT ON BUDGETARY AFFAIRS EU BUDGET AND NATIONAL BUDGETS 1999-2009 October 2010 INDEX Foreward 3 Table 1. EU and National budgets 1999-2009; EU-27
More informationSYNTHOS S.A. Condensed interim separate financial statements with the statutory auditor s opinion on the review for the 6 months ended 30 June 2017
SYNTHOS S.A. Condensed interim separate financial statements with the statutory auditor s opinion on the review for the 6 months ended 30 June 2017 SYNTHOS S.A. Oświęcim, ul. Chemików 1 Condensed interim
More informationBIGBANK AS Public interim report Second quarter 2013
BIGBANK AS Public interim report Second quarter BIGBANK AS Consolidated interim report for the second quarter and 6 months of BIGBANK AS CONSOLIDATED INTERIM REPORT FOR THE SECOND QUARTER AND 6 MONTHS
More informationThe Group s adjusted operating result back to profit in Q3
Interim report Q3 2018 2 STOCKMANN S INTERIM REPORT Q3 2018 STOCKMANN plc, Interim report 26.10.2018 at 8:00 EET The Group s adjusted operating result back to profit in Q3 July-September 2018, continuing
More informationAB DNB Bankas Interim Condensed Financial Information
i AB DNB as Interim Condensed Financial Information (in accordance with IFRS, unaudited) II quarter AS AT 30 JUNE THE GROUP AND BANK INCOME (EXPENSE) STATEMENT Notes 2nd quarter 2nd quarter 2nd quarter
More informationA Solid Start to the Year
A Solid Start to the Year Q1/2018 Results Technopolis Plc Keith Silverang, CEO Key Messages on Q1/2o18 Comparable net sales and EBITDA up over 5%, year-on-year Occupancy rates continued to rise Service
More informationPROPERTY EU EUROPEAN LOGISTICS INVESTMENT BRIEFING
PROPERTY EU EUROPEAN LOGISTICS INVESTMENT BRIEFING RICHARD HOLBERTON, SENIOR DIRECTOR, EMEA RESEARCH, CBRE FEBRUARY 19 TH 2015 AGENDA Economy Market Activity Forecasts Issues ECONOMY 2014 Some Alarms and
More informationAS HARJU ELEKTER Interim report 1-12/ 2005
AS HARJU ELEKTER Interim report 1-12/ 2005 Business name Main business area: AS Harju Elekter designing, production and marketing of various electrical engineering and telecommunication systems Commercial
More informationA Strong Year for Technopolis
A Strong Year for Technopolis Full Year 2017 Results Technopolis Plc Keith Silverang, CEO Key Messages on Full Year 2o17 Revised strategy well received execution started immediately Macroeconomic tailwind
More informationAS BALTIKA. Consolidated interim report for the IV quarter and 12 months of 2015
AS BALTIKA Consolidated interim report for the IV quarter and 12 months of 2015 Commercial name AS Baltika Commercial registry number 10144415 Legal address Veerenni 24, Tallinn 10135, Estonia Phone +372
More informationComposition of capital IT044 IT044 POWSZECHNAIT044 UNIONE DI BANCHE ITALIANE SCPA (UBI BANCA)
Composition of capital POWSZECHNA (in million Euro) Capital position CRD3 rules A) Common equity before deductions (Original own funds without hybrid instruments and government support measures other than
More informationUAB NEO Finance Board report 2017Q4 Vilnius
UAB NEO Finance Board report 217Q4 Vilnius 218-1-1 Press releases Social events October Training sessions for beginners and experts in P2P lending in Kaunas Special event with Practica Capital in Vilnius
More informationUpdate on crowdfunding user s awareness
Update on crowdfunding user s awareness Nikos Daskalakis 4 th ECSF Meeting 17 February 2016 Overview Final results of the Oxera study "Crowdfunding from the user s perspective" - FSUG Preliminary results
More informationInterim report [unaudited]
Interim report 1.1. 3.6.18 [unaudited] OPR-Finance Group Loans granted of the second quarter rose 19.4% from the previous year amounting to EUR 62.1m (EUR 52.m /17) Revenues (sales + interest income) of
More informationFinancial Statement Full year 2017
Financial Statement Full year 20 Fourth quarter 20 Incoming orders rose 10% to SEK 738 million (669) Net sales rose % to SEK 742 million (654) Operating profit was SEK 74 million (76) EBITA stood at SEK
More informationcapital germany GmbH HALF YEAR REPORT AND FINANCIAL STATEMENTS 30 JUNE 2018
capital germany GmbH HALF YEAR REPORT AND FINANCIAL STATEMENTS 30 JUNE 2018 2 Ferratum Capital GmbH Half Year Report And Financial Statements 30 June 2018 Business activity of the company Ferratum Capital
More informationIf P&C Insurance AS. Interim Report. 4 th Quarter Translation from Estonian language
If P&C Insurance AS 4 th Quarter 2017 Translation from Estonian language Contacts and signatures If P&C Insurance AS main field of activity is non-life insurance services. Business name: If P&C Insurance
More informationTALLINK GRUPP AS 6M UNAUDITED CONSOLIDATED INTERIM FINANCIAL STATEMENTS
TALLINK GRUPP AS 6M UNAUDITED CONSOLIDATED INTERIM FINANCIAL STATEMENTS Beginning of the financial year End of the financial year Interim reporting period 6M Commercial Register no. Address 1 January 2017
More informationEIOPA Statistics - Accompanying note
EIOPA Statistics - Accompanying note Publication references: and Published statistics: [Balance sheet], [Premiums, claims and expenses], [Own funds and SCR] Disclaimer: Data is drawn from the published
More informationHow to complete a payment application form (NI)
How to complete a payment application form (NI) This form should be used for making a payment from a Northern Ireland Ulster Bank account. 1. Applicant Details If you are a signal number indemnity holder,
More informationAS BALTIKA. Consolidated interim report for the fourth quarter and 12 months of 2016
AS BALTIKA Consolidated interim report for the fourth quarter and 12 months of 2016 Commercial name AS Baltika Commercial registry number 10144415 Legal address Veerenni 24, Tallinn 10135, Estonia Phone
More informationYear end report. January-December st of January 2018 Mikael Ericson, President and CEO Erik Forsberg, CFO
Year end report January-December 2017 31 st of January 2018 Mikael Ericson, President and CEO Erik Forsberg, CFO Agenda 1. Highlights for the fourth quarter and FY 2017 2. Key messages from Capital Markets
More informationOlympic Entertainment Group AS. Consolidated interim financial statements for the Q4 and 12 months of 2016 (unaudited)
Consolidated interim financial statements for the Q4 and 12 months of 2016 (unaudited) (translation of the Estonian original)* Beginning of reporting period 1 January 2016 End of reporting period 31 December
More informationQuarterly Financial Accounts Household net worth reaches new peak in Q Irish Household Net Worth
Quarterly Financial Accounts Q4 2017 4 May 2018 Quarterly Financial Accounts Household net worth reaches new peak in Q4 2017 Household net worth rose by 2.1 per cent in Q4 2017. It now exceeds its pre-crisis
More informationConsolidated Interim Report 3rd quarter and nine months ended 30 September 2018
Consolidated Interim Report 3rd quarter and nine months ended 30 September 2018 (translation of the Estonian original) EfTEN Real Estate Fund III AS Commercial register number: 12864036 Beginning of financial
More informationSWEDBANK P&C INSURANCE AS
SWEDBANK P&C INSURANCE AS Interim Report As of 30 September 2016 Business name Commercial Register code 11269248 Address 12 Liivalaia St., Tallinn 15039, Estonia Telephone +372 888 2220 Fax +372 888 2221
More informationAS BALTIKA. Consolidated interim report for the second quarter and 6 months of 2018
AS BALTIKA Consolidated interim report for the second quarter and 6 months of 2018 Commercial name AS Baltika Commercial registry number 10144415 Legal address Veerenni 24, Tallinn 10135, Estonia Phone
More informationAS HARJU ELEKTER Interim report 1-6/ 2006
AS HARJU ELEKTER Interim report 1-6/ 2006 Business name Main business area: designing, production and marketing of various electrical engineering and telecommunication systems Commercial registry code:
More informationQuantrom P2P Lending DAC
Quantrom P2P Lending DAC Memorandum on share offering in Quantrom P2P Lending DAC 2 Introduction Quantrom Limited is offering the possibility to invest in Quantrom P2P Lending DAC ( QP2PL ), a vehicle
More informationPKO Bank Polski. Poland - an interesting place on the investment map for the Danish entrepreneurs
PKO Bank Polski Poland - an interesting place on the investment map for the Danish entrepreneurs Copenhagen, 29th of April 2014 Leading bank in Poland and CEE The largest universal bank in Poland since
More informationAS BALTIKA. Consolidated interim report for the third quarter and 9 months of 2016
AS BALTIKA Consolidated interim report for the third quarter and 9 months of 2016 Commercial name AS Baltika Commercial registry number 10144415 Legal address Veerenni 24, Tallinn 10135, Estonia Phone
More informationInvestor Presentation Q3 Results. 12 November 2014
Investor Presentation Q3 Results 12 November 2014 1 Forward-looking statements This presentation contains forward-looking statements, including, but not limited to, the statements and expectations contained
More informationBigbank AS Interim condensed consolidated financial statements for the period ended 31 December 2018
Interim condensed consolidated financial statements for the period ended 31 December 2018 Bigbank AS Interim condensed consolidated financial statements for the period ended 31 December 2018 Business name
More informationLENDING FACILITIES Hire Purchase (HP) 1% % on a case by case basis (fee set by AgriFinance Ltd)
Our Charges This brochure gives a brief description of tariffs as charged by AgriBank plc on some of its products and services. For tariffs on products or services which are not listed in this brochure,
More informationInterim report 2nd quarter 2017
Interim report 2nd quarter 2017 Successful launch in Finland and increased 2017 target Successful launch of consumer loan business in Finland on 29 th May Continued solid growth in net loans of 284 million
More informationInterim. AS Harju Elekter. Main business area: code: Commercial registry. Address: Telephone: Fax: Web-site:
AS HARJU ELEKTER Interim report 1-3/ 2011 Businesss name Main business area: Commercial registry code: Address: Telephone: Fax: Web-site: Internet homepage: CEO: Auditor: : production of electrical distribution
More informationNEO Finance Sales report 2018Q3 Vilnius
AB NEO Finance Sales report 218Q3 Vilnius 218-1-1 Events Shareholder equity increased by 3K. Total amount invested in company s capital exceeds 3.18M; 4K EUR of bonds issued in July; Vytautas Bučiūnas,
More informationPrice List of Nordea Bank Private customer Effective from 1 June 2015
CONTENT ACCOUNTS... 2 Opening a current account... 2 Account statements... 2 PAYMENTS... 2 Domestic payments... 2 Cross-border payments... 3 Cash payments... 4 DAILY BANKING PACKAGE... 4 BANK CARDS...
More information2014 SECOND QUARTER INTERIM REPORT
2014 SECOND QUARTER INTERIM REPORT Content Review of operations... 4 Significant economic events...4 Key performance indicators...4 Financial review...5 Group s capital ratios...8 About BIGBANK group...10
More informationIFRS unaudited financial results Nine months to 30 September 2017
IFRS unaudited financial results Nine months to 30 September 2017 Overview 2 Founded Helsinki 2005 EU Banking Licence Frankfurt Prime Standard Consumer loans Business loans Mobile bank years of profitable
More informationIFRS unaudited financial results Nine months to 30 September 2017
IFRS unaudited financial results Nine months to 30 September 2017 Overview 2 Founded Helsinki 2005 EU Banking Licence Frankfurt Prime Standard Consumer loans Business loans Mobile bank years of profitable
More informationInterim report of Inbank AS. 9 months 2018
Interim report of Inbank AS 9 months 2018 2 Inbank AS general information Inbank AS General information Business name Address Registration date Registry code Legal entity identifier VAT number Telephone
More informationCBRE GROUP, INC. Third Quarter 2013: Earnings Conference Call. October 29, 2013
CBRE GROUP, INC. Third Quarter 2013: Earnings Conference Call October 29, 2013 FORWARD-LOOKING STATEMENTS This presentation contains statements that are forward looking within the meaning of the Private
More informationInterim report Q3 2017
Interim report 2017 Third quarter 2017 Incoming orders rose 21% to SEK 660 million (544) Net sales increased by 17% to SEK 636 million (544) Operating profit rose 7% to SEK 67 million (62) EBITA rose %
More informationJOINT STOCK COMPANY MINTOS MARKETPLACE REPORT. FOR THE PERIOD FROM 1 JUNE 2015 TO 31 DECEMBER 2015 (1 st financial year)
JOINT STOCK COMPANY MINTOS MARKETPLACE (UNIFIED REGISTRATION NUMBER 40103903643) REPORT FOR THE PERIOD FROM 1 JUNE 2015 TO 31 DECEMBER 2015 (1 st financial year) PREPARED IN ACCORDANCE WITH INTERNATIONAL
More informationTARIFF COMMISSIONS AND TAXES FOR DIFFERENT PLACES OF EXECUTION AND SERVICES OF KBC SECURITIES N.V. BULGARIA BRANCH. Commissions and Taxes
TARIFF COMMISSIONS AND TAXES FOR DIFFERENT PLACES OF EXECUTION AND SERVICES OF KBC SECURITIES N.V. BULGARIA BRANCH І. Executing of deals on the Bulgarian Stock Exchange Acceptance of orders for securities
More informationContents. Price List of Luminor Bank Private customer Effective from February 1 st, 2019
Contents DAILY BANKING... 2 Daily banking package... 2 Daily banking package gold... 2 ACCOUNTS... 2 E-BANKING... 3 PAYMENTS... 3 Incoming payments... 3 Outgoing Euro payments... 3 Other payment services...
More informationAS MERKO EHITUS 9 months and Q interim report
AS MERKO EHITUS 9 months and Q3 2018 interim report 08 November 2018 Tõrva central square in Estonia Agenda 1. Key Highlights 4. Stock Exchange Overview 2. Business Review 5. Market Outlook 3. Financial
More information