Profitability ratios

Profitability ratios

  2026-06-30 2026-03-31
Bank    
ROAA, % 0.82 1.14
ROAE, % 7.91 10.68
Cost to income ratio, % 61.27 61.07
Financial group    
ROAA, % 0.80 1.11
ROAE, % 7.77 10.44
Cost to income ratio, % 58.41 62.26
Bank group    
ROAA, % 0.78 1.07
ROAE, % 7.80 10.47
Cost to income ratio, % 56.76 56.05

  2025-12-31 2025-09-30 2025-06-30 2025-03-31
Bank        
ROAA, % 1.13 1.27 1.29 1.43
ROAE, % 10.35 11.06 10.95 12.14
Cost to income ratio, % 63.35 56.17 55.69 51.27
Financial group        
ROAA, % 1.14 1.27 1.30 1.46
ROAE, % 10.38 11.11 11.06 12.39
Cost to income ratio, % 60.80 55.89 56.08 52.03
Bank group        
ROAA, % 1.09 1.23 1.25 1.40
ROAE, % 10.41 11.15 11.10 12.41
Cost to income ratio, % 58.83 56.27 55.19 50.62

  2024-12-31 2024-09-30 2024-06-30 2024-03-31
Bank        
ROAA, % 1.67 1.81 1.87 2.07
ROAE, % 14.04 15.42 16.26 18.12
Cost to income ratio, % 46.18 43.45 43.14 39.56
Financial group        
ROAA, % 1.65 1.79 1.85 2.03
ROAE, % 13.96 15.32 16.14 17.78
Cost to income ratio, % 49.64 44.81 44.79 41.40
Bank group        
ROAA, % 1.59 1.72 1.79 1.96
ROAE, % 14.00 15.36 16.18 17.63
Cost to income ratio, % 47.11 48.84 49.27 47.74

  2023-12-31 2023-09-30 2023-06-30 2023-03-31
Bank        
ROAA, % 1.74 2.09 2.02 1.92
ROAE, % 15.47 18.99 18.64 18.01
Cost to income ratio, % 37.27 32.27 32.78 35.44
Financial group        
ROAA, % 1.73 2.07 2.01 1.89
ROAE, % 15.42 18.89 18.57 17.77
Cost to income ratio, % 38.66 32.24 33.87 35.95
Bank group        
ROAA, % 1.71 2.05 1.99 1.87
ROAE, % 15.46 18.93 18.63 17.81
Cost to income ratio, % 43.51 35.45 36.80 41.26
Cost to income ratio (excluding the impact of SB draudimas customer portfolio), % 41.19 34.36 35.11 39.69

  2022-12-31 2022-09-30 2022-06-30 2022-03-31
Bank        
ROAA, % 1.60 1.69 1.52 1.23
ROAE, % 15.19 16.16 14.61 11.50
Cost to income ratio, % 40.10 38.94 38.80 41.64
Financial group        
ROAA, % 1.60 1.69 1.53 1.25
ROAE, % 15.18 16.19 14.67 11.62
Cost to income ratio, % 40.89 39.67 39.36 41.32
Bank group        
ROAA, % 1.58 1.68 1.52 1.23
ROAE, % 15.23 16.27 14.70 11.63
Cost to income ratio, % 42.88 36.75 39.94 42.03
Cost to income ratio (excluding the impact of SB draudimas customer portfolio), % 44.64 39.96 43.39 45.40

  2021-12-31 2021-09-30 2021-06-30 2021-03-31
Bank        
ROAA, % 1.61 1.84 1.85 1.73
ROAE, % 14.45 16.02 15.60 14.58
Cost to income ratio, % 40.38 38.96 40.57 40.84
Financial group        
ROAA, % 1.59 1.77 1.76 1.67
ROAE, % 14.35 15.41 14.87 14.12
Cost to income ratio, % 40.08 38.70 40.40 40.78
Bank group        
ROAA, % 1.56 1.79 1.81 1.66
ROAE, % 14.28 15.76 15.43 14.15
Cost to income ratio, % 44.07 41.68 42.26 44.44
Cost to income ratio (excluding the impact of SB draudimas customer portfolio), % 42.75 40.37 40.39 42.37

  2020-12-31 2020-09-30 2020-06-30 2020-03-31
Bank        
ROAA, % 1.54 1.71 1.63 1.34
ROAE, % 12.73 13.91 13.14 10.77
Cost to income ratio, % 38.87 35.83 35.46 40.97
Financial group        
ROAA, % 1.54 1.71 1.63 1.35
ROAE, % 12.68 13.90 13.17 10.90
Cost to income ratio, % 38.46 35.58 34.81 39.33
Bank group        
ROAA, % 1.52 1.69 1.62 1.35
ROAE, % 12.73 13.96 13.23 10.99
Cost to income ratio, % 42.66 38.76 36.79 35.16
Cost to income ratio (excluding the impact of SB draudimas customer portfolio), % 42.87 39.97 38.97 44.02

  2019-12-31 2019-09-30 2019-06-30 2019-03-31
Bank        
ROAA, % 2.23 2.34 2.46 2.67
ROAE, % 18.15 19.21 21.00 23.72
Cost to income ratio, % 36.33 33.05 33.99 31.78
Financial group        
ROAA, % 2.22 2.32 2.45 2.66
ROAE, % 18.04 19.06 20.88 23.52
Cost to income ratio, % 37.19 34.28 35.31 33.75
Bank group        
ROAA, % 2.13 2.30 2.42 2.62
ROAE, % 17.60 19.08 20.78 23.38
Cost to income ratio, % 42.50 39.86 41.12 40.62
Cost to income ratio (excluding the impact of SB draudimas customer portfolio), % 40.77 38.03 38.95 37.23

  2018-12-31 2018-09-30 2018-06-30 2018-03-31
Bank        
ROAA, % 2.46 2.63 2.94 2.71
ROAE, % 22.85 25.64 29.15 27.12
Cost to income ratio, % 32.33 32.16 34.22 42.71
Financial group        
ROAA, % 2.40 2.44 2.65 2.06
ROAE, % 22.28 23.61 25.95 20.23
Cost to income ratio, % 33.98 33.64 35.54 43.43
Bank group        
ROAA, % 2.40 2.40 2.60 1.95
ROAE, % 22.32 23.37 25.60 19.27
Cost to income ratio, % 37.32 37.91 39.58 47.30
Cost to income ratio (excluding the impact of SB draudimas customer portfolio), %        

  2017-12-31 2016-12-31 2015-12-31 2014
Bank        
ROAA, % 1.60 2.40 1,3 0,68
ROAE, % 15.97 25.39 17,35 10,38
Cost to income ratio, % 47.20 31.40 38,65 38,74
Financial group        
ROAA, % 1.65 2.46 1,31 0,70
ROAE, % 16.15 25.70 17,31 10,69
Cost to income ratio, % 45.45 32.96 39,24 39,65
Bank group        
ROAA, % 1.63 2.46 1,43 0,74
ROAE, % 16.05 26.06 18,95 11,45
Cost to income ratio, % 52.06 42.29 52,22 50,58
Cost to income ratio (excluding the impact of SB draudimas customer portfolio), %