OP Bank Group. 1 January to 31 December 2006
|
|
- Dwain Mitchell
- 6 years ago
- Views:
Transcription
1 1 January to 31 December 2006
2 Key indicators Change * Earnings before tax, EUR m illion Cost/incom e ratio, % Im pairm ent losses on the loan and guarantee portfolio, % Return on equity (ROE), % Return on equity at fair value, % Average personnel Change * Total assets, EUR billion Capital adequacy Ratio of own funds to the minimum amount of own funds** Tier 1 ratio, % *** Market share, % Of total loans Of total deposits Of capital invested in m utual funds Insurance savings through life and pension insurance * Percentage point change, except for earnings before tax, total assets and average number of personnel, for which the change is stated in per cent, as well as the ratio of own funds to the minimum amount of own funds, for w hich the change is stated as a change in the ratio. ** Pursuant to the Act on the Supervision of Financial and Insurance Conglomerates. *** Pursuant to the Credit Institutions Act.
3 31 December member cooperative banks OP Bank Group Central Cooperative OKO Bank plc Subsidiaries Shareholders of series A million customers 1.2 million individual members
4 31 December 2006 MEMBER COOPERATIVE BANKS (232 BANKS) OP BANK GROUP PENSION FUND OP BANK GROUP PENSION FOUNDATION OP BANK GROUP CENTRAL COOPERATIVE OP BANK GROUP MUTUAL INSURANCE COMPANY OKO BANK PLC HELSINKI OP BANK PLC HELSINGIN SEUDUN OP-KIINTEISTÖKESKUS OY OP LIFE ASSURANCE COMPANY LTD OKO ASSET MANAGEMENT LIMITED POHJOLA NON-LIFE INSURANCE COMPANY LTD A-INSURANCE LTD POHJOLA IT PROCUREMENT LTD OKO CORPORATE FINANCE LTD OKO VENTURE CAPITAL LTD OP-KOTIPANKKI OYJ OP BANK GROUP MORTGAGE BANK PLC EUROOPPALAINEN INSURANCE COMPANY LTD POHJOLA PROPERTY MANAGEMENT LTD SEESAM NON-LIFE INSURANCE COMPANIES OKO CAPITAL EAST LTD ZAO OKO CAPITAL VOSTOK OP FUND MANAGEMENT COMPANY LTD FD FINANSSIDATA OY OTHERS OTHERS OTHERS
5 results, compared with previous-year figures
6 Income statement million 1 January to 31 December Change million % Net interest income Other income Total income Personnel costs Other expenses Total expenses Impairment losses on receivab Returns to owner-members Earnings before tax Cost/income ratio, % 55 55
7 Income statement 1 January to 31 December Net interest income Other income Personnel costs Other expenses Impairment losses on receivables Returns to owner-members Earnings before tax million
8 Income statement million Change 1 January to 31 December million % Interest income Interest expenses Net interest income Impairment losses on receivables Net interest income after impairment losses Net income from non-life insurance operations Net income from life insurance operations Net commissions and fees Net trading income Net investment income Other operating income Personnel costs Other administrative expenses Other operating expenses Returns to owner-members Share of associates' profits/losses Earnings before tax
9 Other income Net income from non-life insurance Net income from life insurance January- December Net commissions and fees Net trading and investment income Other operating income million
10 Income statement of business segments 1 January to 31 December 2006 Banking and Non-Life Life Eliminations and Other million Investment Services Insurance Insurance Operations Total Net interest income Net income from non-life insurance Net income from life insurance Other income Total income Personnel costs Other expenses Total expenses Impairment losses on receivables Returns to ow ner-members Earnings before tax
11 Income statement of business segments Banking and Investment Services Change million 1-12/ /2005 million % Net interest income Other income Total income Personnel costs Other expenses Total expenses Impairment losses on receivables Returns to owner-members Earnings before tax
12 Income statement of business segments Non-Life Insurance million 1-12/ /2005 Net interest income -8-1 Net income from non-life insurance Other income 23 7 Total income Personnel costs Other expenses Total expenses Earnings before tax 78 27
13 Income statement of business segments Life Insurance Change million 1-12/ /2005 million % Net interest income Net income from life insurance Other income Total income Personnel costs Other expenses Total expenses Earnings before tax
14 quarterly figures
15 Quarterly performance million I II III IV I II III IV Net interest income Other income Total income Personnel costs Other expenses Total expenses Impairment losses on receivables Returns to owner-members Earnings before tax Cost/income ratio, %
16 Other income by quarter I II III IV I II III IV Net income from non-life insurance Net income from life insurance Net commissions and fees Net income from trading and from investments Other operating income
17 Quarterly net interest income and net commissions and fees million Net interest income Net commissions and fees 50 0 I II III IV/05 I II III IV/06
18 Quarterly net income from non-life and life insurance million Net income from non-life insurance Net income from life insurance 20 0 I II III IV/05 I II III IV/06
19 Quarterly net income from trading and from investments million Net income from trading Net income from investments I II III IV/05 I II III IV/06
20 Quarterly expenses million Personnel costs Other administrative expenses Other operating expenses 20 0 I II III IV/05 I II III IV/06
21 Quarterly impairment losses million Gross impairment losses* Reversals Net impairment losses I II III IV/05 I II III IV/06 * Includes group-specific net impairment losses
22 Quarterly earnings before tax million 250 ROE 15% % % 6% ROE, % 50 3% 0 I II III IV/05 I II III IV/06 0%
23 Quarterly loans and deposits billion Loans (excl. loans mediated from Treasury funds) Deposits I II III IV/05 I II III IV/06
24 Quarterly life insurance liabilities and capital in mutual funds billion Life insurance liabilities Capital in mutual funds 2 0 I II III IV/05 I II III IV/06
25 Quarterly life insurance liabilities and capital in mutual funds (incl. Pohjola from 1 January 2005) billion Life insurance liabilities Capital in mutual funds 2 0 I II III IV/05 I II III IV/06
26 Quarterly non-life insurance premium revenue (IFRS)* 250 million I II III IV/05 I II III IV/06 * Non-life insurance was included in OP Bank Group consolidated figures as of 1 Nov. 2005
27 Capital adequacy
28 Own funds and capital adequacy million % 20 Other Capital loans Tier 1 own funds excl. capital loans Capital adequacy ratio, % 0 12/ / / / /2006 0
29 Capital adequacy ratio % Total 9 Tier /2005 3/2006 6/2006 9/ /2006
30 Capital adequacy Change million 31 Dec Dec (%-point) Own funds Tier % Tier % Mandatory adjustments % Total % Risk-weighted receivables, investments and off-balance-sheet items % Capital adequacy ratio, % %-points Tier 1 funds/risk-weighted items, total, % %-points
31 Tier 1 own funds million Change, % Equity capital Pohjola minority interest -196 Cooperative capital not included in equity capital Capital loans Intangible assets Fair value reserve and other reserves Proposed dividend and interest pay-out Other items (eg. assets covering pension liabilities and fair value measurement of investment property) Tier 1 own funds
32 Own funds calculated according to the Act on the Supervision of Financial and Insurance Conglomerates million Change, % Equity capital of OP Bank Group Business segment specific items Goodwill and intangible assets Items included in equity capital and in business segment specific items, which cannot be included in conglomerate's own funds Conglomerate's own funds, total Minimum amount of conglomerate's own funds (= required own funds) Solvency of the conglomerate Solvency ratio of the conglomerate (own funds / required own funds) * * change in ratio
33 Credit risk indicators million Change, % Non-performing loans Households Companies Housing corporations and others Total Non-performing loans of loan and guarantee portfolio, % * 1-12/ /2005 Change Impairment losses of loan and guarantee portfolio, % * * Percentage points
34 Loan and guarantee portfolio by sector Non-performing and interest-free loans EUR million Change, % % of loan and guarantee portfolio Corporates and housing associations % Industry % Construction % Trade and catering % Real-estate investment % Other corporates % Housing associations % Finance and insurance Public-sector entities and non-profit organisations % Households % Housing loans % Foreign % Total %
35 Balance sheet
36 Main balance sheet items billion Dec Dec Balance sheet Loans Deposits
37 Balance sheet million 31 Dec Dec Change million % Receivables from financial institutions Financial assets for trading Receivables from customers Non-life insurance assets Life insurance assets Investment assets Other items Total assets Liabilities to financial institutions Liabilities to customers Non-life insurance liabilities Life insurance liabilities Debt securities issued to the public Other liabilities Equity capital Total liabilities and equity capital
38 Equity capital and cooperative capital 31 Dec. 31 Dec. Change million million % Share of parent company's owners Share capital + share issue account Cooperative capital Reserves Retained earnings Minority interest Total equity capital Cooperative capital not included in equity capital
39 Loans and customer funds
40 Market shares Change Loan portfolio Housing loans Corporate loans Deposit portfolio Mutual funds Life insurance savings / /2005 Life and pension insurance premiums w ritten Non-life insurance premiums written/pohjola 26.0 Changes expressed in percentage points * 2006 m arket share not available
41 Loans and customer funds 12-month 31 December change billion 2006 billion % Loan portfolio % Deposits % Mutual funds % Life insurance % Eliminations Customer funds, total % Loans and customer funds, total %
42 Deposits by customer sector 31 December % Private households 22 % Corporate and public sector entities *) Agriculture and forestry 68 % *) incl. entrepreneurs
43 Credits* by customer sector 31 December % Private households 34 % 60 % Corporate and public sector entities**) Agriculture and forestry *) incl leasing assets **) incl. entrepreneurs
44 Quarterly new loans billion I II III IV/05 I II III IV/06
45 Quarterly net sales of mutual funds 1200 million : million 2006: million I II III IV I II III IV Pohjola included from November 2005
46 Quarterly life and pension insurance premiums written million : 788 million 2006: 867 million Pohjola OP 50 0 I II III IV I II III IV Employees group life insurance included only at 31. Dec
47 Customers, owner-members, et c.
48 Customers OP Bank Group Change 1000 customers 1000 customers customers % Customers* Owner-members Pohjola Pohjola loyal customer households* * personal customers
49 Quarterly net increase in number of members Number Year 2005: Year 2006: I II III IV I II III IV
50 Personnel (net of interns) Change (number) Member cooperative banks Central Cooperative Consolidated OKO Bank Group OP Bank Group
51 Service network Change Locations offering banking services only offering insurance services only offering banking and insurance services OP-Kiinteistökeskus outlets Online custom er term inals Paym ent ATMs Online service agreem ents
52 5-year trend
53 Earnings before tax and return on assets ( FAS) million % Earnings before tax, million Return on assets (ROA), %
54 Net interest income and net commissions and fees ( FAS) million Net interest income Net commissions and fees
55 Impairment losses on receivables ( FAS: Loan and guarantee losses) million
56 Non-performing loans 200 million 2,0 % 150 1,5 % Interest-free loans 100 1,0 % Non-performing loans 50 0,5 % % of loan and guarantee portfolio ,0 %
57 Own funds and capital adequacy ratio ( FAS) billion % Tier II own funds Tier I own funds Capital adequacy ratio, % Tier I funds/ Riskweighted items, total, %
58 Balance sheet ( FAS) billion
59 Customer funds 50 billion Mutual funds Life insurance Deposits
60 Loans and deposits billion Loans (excl. loans mediated from Treasury funds) Deposits
61 Life insurance and mutual funds billion Life insurance 6 Mutual funds
62 Customers and owner-members Customers Members Customers Owner-members
63 Service network Locations * 400 Payment ATMs 200 Online customer terminals * from 2005 banking and insurance locations
64 Personnel
OP Bank Group. 1 January to 30 June, 2006
1 January to 30 June, 2006 Key indicators 1-6/2006 1-6/2005 Change 1-12/2005 Earnings before tax, m illion 389 293 32.6 * 579 Cost/income ratio, % 57 53 3.6 55 Impairment losses of loan and guarantee portfolio,
More informationOP Pohjola Group's Q background material
OP Pohjola Group's Q1 2011 background material Year-on-year results Quarterly figures Capital adequacy Balance sheet Loans and customer funds Customers, owner-members et c. 5-year trend Contents OP Pohjola
More informationOP Pohjola Group s Interim Report 1 January 31 March 2012
OP Pohjola Group s Interim Report 1 January 31 March 2012 OP-Pohjola Group Year-on-year results Quarterly figures Capital adequacy Balance sheet Loans and customer funds Customers, owner-members etc. 5-year
More informationOKO Bank Presentation. Finnish Economy Finnish Financial Industry OP Bank Group OKO Bank Funding Strategy
OKO Bank Presentation I II III IV V Finnish Economy Finnish Financial Industry OP Bank Group OKO Bank Funding Strategy 1 I Finnish Economy 2 Nordic countries in a nutshell Iceland Population: 0.3 million
More information1 Pohjola April 2008
Pohjola April 2008 1 OP-Pohjola Group & Pohjola Bank in brief 2 The leading financial services company in Finland - with a strong diversified presence in Retail and corporate banking Insurance Mutual Funds
More informationPohjola November 2008
Pohjola November 2008 1 OP-Pohjola Group & Pohjola Bank in brief 2 The leading financial services company in Finland - with a strong diversified presence in Retail and corporate banking Insurance Mutual
More informationPohjola February 2009
Pohjola February 2009 OP-Pohjola Group & Pohjola Bank in brief 2 The leading financial services company in Finland - with a strong diversified presence in Retail and corporate banking Insurance Mutual
More informationOKO BANK PLC INTERIM REPORT 1 APRIL 30 JUNE 2007 WITH PRESIDENT AND CEO'S COMMENTS
OKO BANK PLC Company Release 9 August 2007 at 8.00 am OKO BANK PLC INTERIM REPORT 1 APRIL 30 JUNE 2007 WITH PRESIDENT AND CEO'S COMMENTS President and CEO's comments: "In the second quarter, consolidated
More informationOP-Mortgage Bank. Interim Report for January 1 March
OP-Mortgage Bank Interim Report for January 1 March 31 2008 OP Mortgage Bank's (OPA) loan portfolio decreased from EUR 1,531 million on 31 December to EUR 1,481 million on 31March 2008, since the amount
More informationOP MORTGAGE BANK. Interim Report 1 January 30 June 2010
OP MORTGAGE BANK Interim Report 1 January 30 June 2010 OP Mortgage Bank's (OPA) loan portfolio grew to EUR 4,398 million in the January-June period (EUR 4,360 million at the end of 2009). The bank increased
More informationPART I STRATEGY AND MARKET POSITION. Strategy
PART I STRATEGY AND MARKET POSITION Strategy Vision Customers Personnel Investors The most attractive and successful bank in Finland. Growth Profitability Shareholder value Mission To create economic value
More informationOP MORTGAGE BANK FINANCIAL STATEMENTS BULLETIN FOR 2009
OP MORTGAGE BANK FINANCIAL STATEMENTS BULLETIN FOR OP Mortgage Bank's (OPA) loan portfolio grew to EUR 4,360 million in the January December period (EUR 2,980 million at the end of 2008) 1. The bank increased
More informationOP MORTGAGE BANK. Interim Report 1 January 30 September 2009
OP MORTGAGE BANK Interim Report 1 January tember OP Mortgage Bank's (OPA) loan portfolio decreased from EUR 2,980 million on 31 December to EUR 2,704 million on tember. During the reporting period, OPA
More informationPohjola Group. Interim Report for Q2/11 and H1/11
Pohjola Group Interim Report for Q2/11 and H1/11 2 Contents Interim Report and Outlook 3 Background Material 30 Earnings Analyses 71 OP-Pohjola Group s and 82 Pohjola s results and key figures Finnish
More informationOP MORTGAGE BANK. Stock exchange release 30 October 2013 Interim Report 1 January -30 September 2013
OP MORTGAGE BANK Stock exchange release 30 October Interim Report 1 January -30 September Financial Standing The loan portfolio of OP Mortgage Bank (OPMB) decreased from EUR 8,678 million on 31 December
More informationOP Mortgage Bank. Interim Report for January 1 March
OP Mortgage Bank Interim Report for January 1 March 31 2012 OP Mortgage Bank's (OPA) loan portfolio increased from EUR 7,535 million on 31 December to EUR 8,000 million on 2012. The bank increased its
More informationOP MORTGAGE BANK. Interim Report 1 January 30 September 2012
OP MORTGAGE BANK Interim Report 1 January tember OP Mortgage Bank's (OPA) loan portfolio increased to EUR 8,511 million in the January-September period (EUR 7,535 million at the end of ). The bank increased
More informationREPORT BY THE BOARD OF DIRECTORS AND FINANCIAL STATEMENTS OKO Bank plc
REPORT BY THE BOARD OF DIRECTORS AND FINANCIAL STATEMENTS 2007 OKO Bank plc CONTENTS Report by the Board of Directors... 2 Consolidated earnings...2 Earnings by business line...2 Operating environment...3
More informationOP MORTGAGE BANK. Interim Report 1 January 30 September 2011
OP MORTGAGE BANK Interim Report 1 January tember OP Mortgage Bank's (OPA) loan portfolio increased to EUR 7,395 million in the January-September period (EUR 5,008 million at the end of ). The bank increased
More informationPohjola Group. Interim Report Q4/2010 Financial Statements for 2010
1 Pohjola Group Interim Report Q4/21 Financial Statements for 21 2 Pohjola Group Interim Report Q4/21 Financial Statements for 21 3 Contents Interim Report Q4/21 Financial Statements for 21 4 2 Dividend
More informationDebt Investor Presentation
Debt Investor Presentation OP-Pohjola Group and issuing entities Pohjola Bank plc and OP Mortgage Bank www.pohjola.com > Investor Relations > Debt Investors 2 Contents OP-Pohjola Group in Brief 3 Finnish
More informationDebt Investor Presentation. OP-Pohjola Group and Issuing entities Pohjola Bank plc and OP Mortgage Bank
1 Debt Investor Presentation OP-Pohjola Group and Issuing entities Pohjola Bank plc and OP Mortgage Bank www.pohjola.com 2 OP-Pohjola Group Issuing entities are Pohjola Bank plc and OP Mortgage Bank Leading
More informationPohjola Bank plc Interim Report for 1 January 30 June 2010
Pohjola Bank plc s Interim Report for 1 January 1 Pohjola Bank plc Company Release, 4 August, 8.00 am Release category: Interim Report Pohjola Bank plc Interim Report for 1 January January June Year on
More informationDebt Investor Presentation. OP-Pohjola Group and issuing entities Pohjola Bank plc and OP Mortgage Bank
Debt Investor Presentation OP-Pohjola Group and issuing entities Pohjola Bank plc and OP Mortgage Bank www.pohjola.com 2 OP-Pohjola Group Issuing entities are Pohjola Bank plc and OP Mortgage Bank Leading
More informationDebt Investor Presentation
Debt Investor Presentation OP-Pohjola Group and issuing entities Pohjola Bank plc and OP Mortgage Bank www.pohjola.com > Investor Relations > Debt Investors 2 Contents OP-Pohjola Group in Brief 3 Finnish
More informationFINANCIAL RESULTS 2018
FINANCIAL RESULTS 2018 C E O J U H A N I E L O M A A 14 F E B R U A R Y 2019 AGENDA Taaleri in brief Financial results in 2018 Key figures Segment information Wealth Management Financing Energy Other Results,
More informationOP-Pohjola Group's January December 2007
OP Bank Group Central Cooperative Stock Exchange Release 14 February 2008 at 8.00 am 1(38) Release category: Financial Statements OP-Pohjola Group's January December Strong growth continues OP-Pohjola
More informationPohjola Group. Interim Report for 1 January 30 September Pohjola/IR
Pohjola Group Interim Report for 1 January 3 September 29 2 Contents Pohjola in Brief 3 Strategy and Financial targets 7 Interim Report for Q1 3/9 14 Review by Business Segment Banking 26 Asset Management
More informationPohjola Bank plc s Financial Statements Bulletin for 1 January 31 December 2014
Pohjola Bank plc s Financial Statements Bulletin for 1 January ember 2014 Pohjola Bank plc Stock Exchange Release 5 February 2015 at 8.00 am Financial Statements Bulletin Pohjola Group in 2014 1) Consolidated
More informationPohjola Bank plc s Interim report for 1 January 30 June 2014
Pohjola Bank plc s Interim report for 1 January 30 June 2014 Pohjola Bank plc Stock exchange release 6 August 2014, 8.00 am Interim Report Pohjola Group Performance for January June 1) Consolidated earnings
More informationEFFECTS OF THE IAS 39 STANDARD ON SHAREHOLDERS EQUITY JANUARY 1, 2005
OKO EFFECTS OF REPORTING IN OKO BANK GROUP OKO Bank Group adopted the International Financial Reporting Standards as of the beginning of 2005. The interim reports in 2005 will be prepared in accordance
More informationDebt Investor Presentation Q2/2012 & H1/2012
Debt Investor Presentation Q2/2012 & H1/2012 OP-Pohjola Group and issuing entities Pohjola Bank plc and OP Mortgage Bank www.pohjola.com > Investor Relations > Debt Investors Contents OP-Pohjola Group
More informationOP MORTGAGE BANK 1. Financial Statements 2007
OP MORTGAGE BANK 1 Financial Statements 2007 OP MORTGAGE BANK 2 REPORT OF THE BOARD OF DIRECTORS The loan portfolio of OP Mortgage Bank (OPA) increased to 1,531 million (284) 1. The company s loan portfolio
More informationSECURITY AND WELL-BEING
SECURITY AND WELL-BEING ANNUAL REPORT 2005 CONTENTS President s review 4 Pohjola s financial year 2005 in brief 6 Report by the Board of Directors; annual accounts Report by the Board of Directors 10
More information1
1 2 3 4 5 % 6 7 8 9 10 11 12 13 14 15 16 EUR 17 Consolidated income statement Q4/ Q4/ EUR million Note 2016 2015 2016 2015 Net interest income 3 50 56 228 220 Net insurance income 4 135 124 534 507 Net
More informationInterim Report January-June Nordea Bank Finland Plc
Interim Report January-June 2004 Nordea Bank Finland Plc Interim Report, January-June 2004 Summary The Finnish economy picked up in the first half of 2004. Private consumption growth remained robust underpinned
More information1
1 2 3 4 5 % 6 7 8 9 10 11 12 13 14 15 16 Consolidated income statement Q2/ Q2/ EUR million Note 2016 2015 2016 2015 Net interest income 3 58 51 117 109 Net insurance income 4 135 125 260 250 Net commissions
More informationReport by the Board of Directors and Financial Statements 2012
OP MORTGAGE BANK PLC Report by the Board of Directors and Financial Statements 2012 Contents Report of the Board of Directors 1 Income statement and blalance sheet 10 Cash flow statement 11 Statement of
More informationOP-Pohjola Group s Interim Report 1 January 31 March 2011
OP-Pohjola Group s Interim Report 1 January Q1 OP-Pohjola Group Company Release 4 May, 08.00 am Release category: Interim Report Strong start to by OP-Pohjola Group: best quarter in over three years The
More informationOP Financial Group Report by the Executive Board and Financial Statements 2016
OP Financial Group Report by the Executive Board and Financial Statements 2016 OP Contents Report by the Executive Board...1 2016 in brief... 1 Operating environment... 2 Earnings analysis and balance
More informationIncome statement - SEB Group
Income statement - SEB Group Previously reported Change Restated Jan-Dec Jan-Dec Jan-Dec Jan-Dec Jan-Dec Jan-Dec SEK m 2014 2015 2014 2015 2014 2015 Net interest income 19,943 18,938 19,943 18,938 Net
More informationSUPPLEMENT NUMBER 4 DATED 4 AUGUST 2010 TO THE BASE PROSPECTUS DATED 11 NOVEMBER 2009
SUPPLEMENT NUMBER 4 DATED 4 AUGUST 2010 TO THE BASE PROSPECTUS DATED 11 NOVEMBER 2009 POHJOLA BANK PLC (incorporated with limited liability in the Republic of Finland) EUR 15,000,000,000 Programme for
More informationPohjola Bank plc s Financial Statements Bulletin for 1 January 31 December 2013
Pohjola Bank plc s Financial Statements Bulletin for 1 January 31 December 2013 Background Material 2 Disclaimer Certain statements in this presentation are based on the beliefs of our management as well
More informationSAMPO HOUSING LOAN BANK PLC
SAMPO HOUSING LOAN BANK PLC ANNUAL REPORT AND ACCOUNTS 2007 SAMPO HOUSING LOAN BANK PLC C O N T E N T S Board of Directors Report 1 Income statement 5 Balance sheet 6 Statement of changes in equity 7 Cash
More informationPohjola Bank plc Report by the Board of Directors and Financial Statements 2011
Pohjola Bank plc Report by the Board of Directors and Contents Report by the Board of Directors Operating Environment...2 Consolidated Earnings...3 Risk Management...5 Group Risk Exposure...6 Capital Adequacy...8
More informationFINANCIAL STATEMENTS 2002
OKO BANK FINANCIAL STATEMENTS 2002 OKO Osuuspankkien Keskuspankki Oyj (OKO Bank) Postal address: PO Box 308, FIN-00101 Helsinki Visiting address: Teollisuuskatu 1b Telephone: +358 9 4041, Telefax: +358
More informationCONTENT REPORT BY THE BOARD OF DIRECTORS
CONTENT REPORT BY THE BOARD OF DIRECTORS 2008...2 Consolidated earnings...2 Operating environment...2 Integration...4 Group restructuring...4 Personnel...5 Capital expenditure...5 Environmental responsibility...5
More informationComprehensive financial services. Cooperative principle. Close to the customer. Best loyalty benefits. Finnish roots
OP-Pohjola Group I Annual Review 2009 Comprehensive financial services Cooperative principle Close to the customer Best loyalty benefits Finnish roots Financial publications This Annual Review together
More informationCONSOLIDATED FINANCIAL STATEMENT YEAR ENDED DECEMBER
CONSOLIDATED FINANCIAL STATEMENT YEAR ENDED DECEMBER 31 2016 BOURBONOFFSHORE.COM SUMMARY 1. Financial position statement...3 2. Statement of comprehensive income... 4 3. Statement of consolidated cash-flows...
More informationPohjola Bank plc s Interim Report for 1 January - 30 June 2012
Pohjola Bank plc s Interim Report for 1 January - Pohjola Bank plc Stock exchange release 1 August, 8.00 am Interim Report Pohjola Group Performance for January June 1) Consolidated earnings before tax
More informationOP-POHJOLA ANNOUNCES PUBLIC TENDER OFFER FOR ALL SHARES IN POHJOLA BANK.
OP-Pohjola launches public tender offer for all shares in Pohjola Bank STOCK EXCHANGE RELEASE OP-POHJOLA GROUP CENTRAL COOPERATIVE 6 FEBRUARY 2014 AT 8:05 NOT FOR RELEASE OR DISTRIBUTION, DIRECTLY OR INDIRECTLY,
More informationOP-Pohjola Group and Pohjola Bank plc
OP-Pohjola Group and Pohjola Bank plc (formerly OKO Bank) OP-Pohjola Group Issuing entities Pohjola Bank plc and OP Mortgage Bank 2 Leading financial services provider in Finland Number one in Deposits,
More informationOP MORTGAGE BANK Stock exchange release 27 April 2017 Interim Report. OP Mortgage Bank: Interim Report for January March 2017
OP MORTGAGE BANK Stock exchange release 27 April 2017 Interim Report OP Mortgage Bank: Interim Report for January March 2017 OP Mortgage Bank (OP MB) is part of OP Financial Group and its role is to raise,
More informationPohjola Bank plc s Interim Report for 1 January 31 March 2014
Pohjola Bank plc s Interim Report for 1 January 31 March 2014 Background Material 2 Disclaimer Certain statements in this presentation are based on the beliefs of our management as well as assumptions
More informationAlternative Performance Measures, Annual Report Skandiabanken Aktiebolag (publ)
Alternative Performance Measures, Annual Report 2017 Skandiabanken Aktiebolag (publ) Performance Measures Alternative Performance Measures Alternative Performance Measures (APMs) are financial measures
More informationFinnish banking in 2008
in 28 Federation of Finnish Financial Services in 28 Index 1. Key developments on the banking scene in 28...2 2. Changes in bank structures...3 2.1 Changes in bank structures relatively small...3 2.2 Icelandic
More informationPohjola Bank plc s Annual General Meeting. Helsinki Fair Centre 26 March 2010 at 2.00 pm. Pohjola IR / AGM 2010
1 Pohjola Bank plc s Annual General Meeting Helsinki Fair Centre 26 March 2010 at 2.00 pm 2 1. Opening of the Meeting Chairman of the Board of Directors Reijo Karhinen 3 Tightening Regulation in the Aftermath
More informationCONSOLIDATED FINANCIAL STATEMENT YEAR ENDED DECEMBER
CONSOLIDATED FINANCIAL STATEMENT YEAR ENDED DECEMBER 31 2017 BOURBONOFFSHORE.COM SUMMARY 1. Financial position statement...3 2. Statement of comprehensive income... 4 3. Statement of consolidated cash-flows...
More informationPohjola Group Interim Report for 1 January 30 September 2015
Pohjola Bank plc Interim Report for 1 January 30 September 2015 Stock Exchange Release 28 October 2015 at 08.00 am Pohjola Group Interim Report for 1 January 30 September 2015 Consolidated earnings before
More informationOP BANK GROUP ANNUAL REPORT 2005
OP BANK GROUP ANNUAL REPORT 2005 05 Contents 4 Chairman s Review 6 President s Review 8 Operating Environment 10 The OP Bank Group in 2005 12 Financial Review 2005 15 The OP Bank Group s Key Figures 2001
More informationOP Mortgage Bank: Interim Report for January September 2018
OP MORTGAGE BANK Stock exchange release 31 October 2018 Interim Report OP Mortgage Bank: Interim Report for January September 2018 OP Mortgage Bank (OP MB) is part of OP Financial Group and its role is
More informationPohjola Bank plc Financial Statements Bulletin for 1 January 31 December 2015
Pohjola Bank plc Stock Exchange Release, 4 February 2016 at 09.00 am EET Financial Statements Bulletin Pohjola Bank plc Financial Statements Bulletin for 1 January 31 December 2015 Consolidated earnings
More informationReport of Board of Directors
FINANCIAL STATEMENTS Report of Board of Directors Strategy and financial goals In its operations, Oma Säästöpankki Oyj focuses on retail banking operations. The bank's key customer groups are private customers,
More informationPOP Bank Group HALF-YEAR FINANCIAL REPORT
POP Bank Group HALF-YEAR FINANCIAL REPORT 1 January 30 June 2017 CONTENT CEO S REVIEW... 3 Operating environment... 5 POP Bank Group and amalgamation of POP Banks... 5 Key events during the first half
More informationOP MORTGAGE BANK Stock exchange release 2 August 2017 Interim Report. OP Mortgage Bank: Interim Report for January June 2017
OP MORTGAGE BANK Stock exchange release 2 August 2017 Interim Report OP Mortgage Bank: Interim Report for January June 2017 OP Mortgage Bank (OP MB) is part of OP Financial Group and its role is to raise,
More informationRESULTS DNB GROUP FOURTH QUARTER 2015
Q4 RESULTS DNB GROUP FOURTH QUARTER Rune Bjerke (CEO) Bjørn Erik Næss (CFO) 04.02.2016 Full year Pre-tax operating profit before impairment in NOK billion 34.1 (28.7) Cost/income ratio in per cent 36.9
More informationOP Mortgage Bank: Financial Statements Bulletin for 1 January 31 December 2017
OP MORTGAGE BANK Stock exchange release 8 February 2018 Financial Statements Bulletin OP Mortgage Bank: Financial Statements Bulletin for 1 January 31 December 2017 OP Mortgage Bank (OP MB) is part of
More informationNN GROUP FINANCIAL SUPPLEMENT 2Q2016
NN GROUP FINANCIAL SUPPLEMENT 2Q2016 NN GROUP FINANCIAL SUPPLEMENT 2Q2016 INTRODUCTION The Financial Supplement includes quarterly financial trend data and is published on a quarterly basis. Figures are
More informationPOHJOLA SHARE HISTORY SINCE 1989
's share 1 (11) 2.6.2015 POHJOLA SHARE HISTORY SINCE 1989 This section contains information on decisions and measures taken related to the company's and the securities entitling their holders to the company's,
More informationGrupo Financiero HSBC. Financial information at 31 March Q10. Press Release. Quarterly Report First Quarter 2010
Grupo Financiero HSBC Financial information at ch 2010 1Q10 Press Release Quarterly Report First Quarter 2010 Release date: 30 April 2010 1 30 April 2010 GRUPO FINANCIERO HSBC, S.A. DE C.V. FIRST QUARTER
More informationOP-Pohjola Group s Interim Report 1 January 30 June 2011
OP-Pohjola Group s Interim Report 1 January Q2 OP-Pohjola Group Company Release 3 August, 08.00 am Release category: Interim Report Good Progress for OP-Pohjola Group: earnings before tax grew by 36% The
More informationVIRATI AUTHORITY TASK FORCE (Financial Supervision Authority/Bank of Finland/Statistics Finland) Revised Valid from
VIRATI AUTHORITY TASK FORCE (Financial Supervision Authority/Bank of Finland/Statistics Finland) Issued Revised Valid from 29 Feb 2008 31 Dec 2007 AS SEGMENT REPORTING (IFRS) Frequency of reporting: Quarterly
More informationThis is Handelsbanken 3
HANDELSBANKEN - FACT BOOK Contents This is Handelsbanken 3 Income statement o Income statement Handelsbanken Group 4 o EPS 4 o Key figures 5 o Consolidated statement of comprehensive income 5 o One-offs
More informationPOP Bank Group BOARD OF DIRECTORS REPORT AND CONSOLIDATED IFRS FINANCIAL STATEMENTS
POP Bank Group BOARD OF DIRECTORS REPORT AND CONSOLIDATED IFRS FINANCIAL STATEMENTS 31 December 2016 TABLE OF CONTENTS CEO S REVIEW...4 POP BANK GROUP S BOARD OF DIRECTORS REPORT 1 JANUARY 31 DECEMBER
More informationNN GROUP FINANCIAL SUPPLEMENT 4Q2016
NN GROUP FINANCIAL SUPPLEMENT 4Q2016 NN GROUP FINANCIAL SUPPLEMENT 4Q2016 INTRODUCTION The Financial Supplement includes quarterly financial trend data and is published on a quarterly basis. Figures are
More informationThe mark of a good group *
The mark of a good group * OP-Pohjola Group Annual Prospectus 2011 200 550 4 cooperative banks locations million + + = customers Only one group in Finland offers comprehensive financial services to its
More informationINTERIM STATEMENT JANUARY MARCH 2016
INTERIM STATEMENT JANUARY MARCH 2016 11 May 2016 CONTENTS Summary 3 Business areas 5 P&C insurance 5 Associated company Nordea Bank AB 7 Life insurance 9 Holding 11 Other developments 12 Annual General
More informationOKO Bank Group Annual Report 2002
OKO Bank Group Annual Report 2002 Contents 2 Chairman s review 4 President s review 6 Operating environment 7 Key figures 8 The OKO Bank Group in 2002 9 Main events in 2002 11 The OKO Bank Group s strategy
More informationOP Mortgage Bank Report by the Board of Directors and Financial Statements 2017
OP Mortgage Bank Report by the Board of Directors and Financial Statements 2017 OP Contents Report by the Board of Directors 1 Income statement 9 Balance sheet 10 Cash flow statement 11 Statement of changes
More informationSATO. large. investments in rented homes
SATO large investments in rented homes Interim report 1 January 30 June 2011 SATO mission SATO is a provider of good housing strategic aims constantly improving services for the customer average 12% annual
More informationOP Mortgage Bank Report by the Board of Directors and Financial Statements 2016
OP Mortgage Bank Report by the Board of Directors and Financial Statements 2016 OP Contents Report by the Board of Directors 1 Income statement and balance sheet 9 Cash flow statement 10 Statement of changes
More informationPOP Bank Group Investor Presentation. April 2018
POP Bank Group Investor Presentation April 2018 Executive Summary Group Alliance POP Bank Group is a Finnish financial group that offers retail banking services to private customers, small companies and
More informationROPOHOLD OYJ BUSINESS REVIEW
Business Review July-September 2018 29.10.2018 2 / 5 ROPOHOLD OYJ BUSINESS REVIEW 1.7. 30.9.2018 July - September 2018 in brief Revenue in July - September grew 22% and EBITDA 66% compared to previous
More informationINTERIM REPORT 5 NOVEMBER 2015
Q3 INTERIM REPORT JANUARY SEPTEMBER 2015 5 NOVEMBER 2015 Contents 3 Summary 5 Third quarter 2015 in brief 6 Change in reporting practices as of 1 January 2016 7 Business areas 7 P&C insurance 10 Associated
More informationBank Handlowy w Warszawie S.A.
Bank Handlowy w Warszawie S.A. Consolidated financial results for 1Q 2018 May 11 2018 www.citihandlowy.pl Bank Handlowy w Warszawie S.A. 1Q 2018 summary Robust beginning of the year Strong net profit increase:
More informationO P-POhjOla GrOuP annual review 2007 OP-Pohjola Group annual review 2007
OP-Pohjola Group ANNUAL REVIEW 2007 Contents 2 OP-Pohjola Group in Brief 4 Chairman s Review 6 OP-Pohjola Group in 2007 10 Core Values and Strategy 13 Market Position 14 Operating Environment 16 Owner-members
More informationInterim Report January-June Sampo Bank Plc
Interim Report January-June 2009 Sampo Bank Plc --------------------------------------------------------------------------------------------------- Sampo Bank Plc is a Finnish bank which is part of the
More informationInterim Statement 1 1 M AY
Q1 Interim Statement January March 2017 11 MAY 2017 Contents Summary 3 Business areas 5 P&C insurance 5 Associated company Nordea Bank AB 7 Life insurance 9 Holding 11 Other developments 12 Annual General
More informationOP Corporate Bank plc's Interim Report for 1 January 30 June 2017
OP Corporate Bank plc Interim Report for 1 January 30 June 2017 2 August 2017 at 9.00 am EEST OP Corporate Bank plc's Interim Report for 1 January 30 June 2017 Consolidated earnings before tax were EUR
More informationINTERIM REPORT For the period January March 2007
INTERIM REPORT For the period January March 2007 The report period in brief Consolidated net operating profit rose by 28 per cent to 8.1 million euros (Jan Mar 2006: EUR 6.4 M) The profit increase was
More informationConsolidated financial results for 2Q 2017
Citi Handlowy Strategy and Investor Relations Department Consolidated financial results for 2Q 2017 August 22 nd, 2017 2Q 2017 summary Consistent growth of customer business: Loan volume growth in institutional
More informationBBVA reports net profit of 3.67 billion with market share gains in all franchises
10.27.2010 Results for the first nine months of 2010 BBVA reports net profit of 3.67 billion with market share gains in all franchises Recurrence of earnings: gross income for the first nine months grew
More informationConsolidated financial results for 3Q 2017
Consolidated financial results for 3Q 2017 November 14 th, 2017 www.citihandlowy.pl Bank Handlowy w Warszawie S.A. 3Q 2017 Summary Positive trends continued: Build-up of client assets in Retail Banking
More informationOP Corporate Bank plc Report by the Board of Directors and Financial Statements 2017
OP Corporate Bank plc Report by the Board of Directors and Financial Statements 2017 OP Contents OP OP Corporate Bank plc Financial Statements and Report by the Board of Directors 2017 REPORT BY THE BOARD
More informationRAKENTAJAIN KONEVUOKRAAMO OYJ'S INTERIM REPORT 1-9/2004
10.11.2004 10:30 RAKENTAJAIN KONEVUOKRAAMO OYJ'S INTERIM REPORT 1-9/2004 RAKENTAJAIN KONEVUOKRAAMO OYJ'S INTERIM REPORT 1-9/2004 - Turnover for Q3/2004: EUR 21.3 million (15.5) - Profit before extraordinary
More informationFact book Q April 2007
Fact book Q1 27 25 April 27 Contents page General information 2 Mission, vision, values and markets 2 Financial objectives 3 Geographic reach and market shares 4 Macro economic indicators 5-6 Business
More informationOma Säästöpankki Oyj Group
Oma Säästöpankki Oyj Group Interim Report, September 30, 2018 0 Contents CEO'S REVIEW 1 KEY EVENTS IN JULY SEPTEMBER 1 MAIN EVENTS IN THE ACCOUNTING YEAR 2018 2 OPERATING ENVIRONMENT 3 FINANCIAL STATEMENTS
More informationSwedbank Mortgage AB (publ);
SUPPLEMENT DATED AUGUST 23, 2011 TO THE PROSPECTUS DATED MARCH 11, 2011 Swedbank Mortgage AB (publ) (Incorporated with limited liability in the Kingdom of Sweden) U.S.$15,000,000,000 Programme for the
More informationBalance sheet press conference February 28, 2007
Balance sheet press conference Erste Bank Group 95% of Erste Bank 15.9m customers are citizens of the EU Customers: 5.3m; #1 Retail deposits: 33% Retail loans: 32% Branches: 637 Customers: 0.6m; # 2 Retail
More informationDanske Bank Fact Book Q Fact Book Q Supplementary Information for Investors and Analysts. Unaudited. Updated: January 31, 2008
Fact Book Q4 2007 Supplementary Information for Investors and Analysts Unaudited Updated: January 31, 2008 1 Table of contents 1.1. Financial goals 4 1.2. Share Data 4 1.3. Ratings 5 1.4. Changes in accounting
More information