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Key figures          
           
Finnvera Group 2016 2015 2014 2013 2012
Net interest income and net fee and commission income, MEUR 194 197 189 190 175
Administrative expenses, MEUR 44 44 41 43 43
Write-down on receivables and guarantee losses, MEUR 94 97 98 112 125
Credit loss compensation from the State, MEUR 28 83 64 48 50
Operating profit or loss, MEUR 69 114 101 75 54
Profit for the year, MEUR 70 111 100 75 53
Return on equity, % 6.0 10.4 10.8 9.3 7.2
Return on assets, % 0.8 1.5 1.8 1.8 1.6
Equity ratio, % 12.7 13.3 15.2 18.4 20.3
Capital adequacy ratio, Tier 2, domestic operations, % 1) 24.3 19.6 18.6 16.9 16.3
Expense-income ratio, % 27.0 28.3 25.9 27.0 27.6
Balance sheet total, MEUR 9,498 8,418 6,619 4,604 3,808
Shareholders’ equity, MEUR 1,207 1,121 1,009 849 772
 - of which non-restricted funds, MEUR 955 871 756 595 513
Personnel at year end 381 396 394 399 411
Finnvera plc, SMEs and midcaps          
Loans, guarantees and export credit guarantees offered, Billion euros 1.0 1.1 1.0 0.8 0.9
Outstanding commitments, Billion euros 2.6 2.7 2.8 3.0 3.0
Number of start-up enterprises financed 3,400 3,600 3,200 3,500 3,100
Number of jobs created 8,700 8,600 8,100 8,700 8,700
Finnvera plc, Large Corporates          
Export credit guarantees and special guarantees offered, Billion euros 4.2 6.6 5.0 3.3 5.3
Outstanding commitments, Billion euros 18.1 17.0 12.2 10.7 10.9
Finnvera plc, clients and personnel          
Number of clients, SMEs and midcap companies and Large Corporates together 27,700 28,400 28,800 29,700 30,000
Personnel at year end 376 381 376 382 393
1) The capital adequacy ratio 2012 has been calculated according to the Basel II methods. The solvency calculation is presented in more detail on page 7.
Formulas for the key indicators
 
Return on equity % (ROE)
operating profit/loss – income taxes * 100
equity + minority share + accumalated appropriations deducted by the deferred tax liability
(average of the beginning and the end of the year)
 
Return on assets % (ROA)
operating profit/loss – inome taxes * 100
total assets in average (average of the beginning and the end of the year)
 
Equity ratio %
equity + minority share + accumalated appropriations deducted by the deferred tax liability * 100
total assets
 
Capital adequacy ratio
2013–2016 calculated according to Basel III standard method
2012 calculated according to Basel II standard method
 
Expense-income ratio
administrative expenses + other operating expenses
net interest income + net fee commission income + gains/losses from financial instruments carried at fair value + net income from investments + other income
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