Profitability ratios

Profitability ratios

Bank	2025.03.31	2024.12.31	2024.09.30	2024.06.30	2024.03.31	2023.12.31	2023.09.30	2023.06.30	2023.03.31	2022.12.31	2022.09.30	2022.06.30	2022.03.31	2021.12.31	2021.09.30	2021.06.30	2021.03.31	2020.12.31	2020.09.30	2020.06.30	2020.03.31	2019.12.31	2019.09.30	2019.06.30	2019.03.31	2018.12.31	2018.09.30	2018.06.30	2018.03.31	2017.12.31	2016.12.31	2015.12.31	2014
ROAA, %	1.43	1.67	1.81	1.87	2.07	1.74	2.09	2.02	1.92	1.60	1.69	1.52	1.23	1.61	1.84	1.85	1.73	1.54	1.71	1.63	1.34	2.23	2.34	2.46	2.67	2.46	2.63	2.94	2.71	1.60	2.40	1,3	0,68
ROAE, %	12.14	14.04	15.42	16.26	18.12	15.47	18.99	18.64	18.01	15.19	16.16	14.61	11.50	14.45	16.02	15.60	14.58	12.73	13.91	13.14	10.77	18.15	19.21	21.00	23.72	22.85	25.64	29.15	27.12	15.97	25.39	17,35	10,38
Cost to income ratio, %	51.91	47.18	43.45	43.14	39.56	37.27	32.27	32.78	35.44	40.10	38.94	38.80	41.64	40.38	38.96	40.57	40.84	38.87	35.83	35.46	40.97	36.33	33.05	33.99	31.78	32.33	32.16	34.22	42.71	47.20	31.40	38,65	38,74
Financial group
ROAA, %	1.46	1.65	1.79	1.85	2.03	1.73	2.07	2.01	1.89	1.60	1.69	1.53	1.25	1.59	1.77	1.76	1.67	1.54	1.71	1.63	1.35	2.22	2.32	2.45	2.66	2.40	2.44	2.65	2.06	1.65	2.46	1,31	0,70
ROAE, %	12.39	13.96	15.32	16.14	17.78	15.42	18.89	18.57	17.77	15.18	16.19	14.67	11.62	14.35	15.41	14.87	14.12	12.68	13.90	13.17	10.90	18.04	19.06	20.88	23.52	22.28	23.61	25.95	20.23	16.15	25.70	17,31	10,69
Cost to income ratio, %	52.10	48.11	44.81	44.79	41.40	38.66	32.24	33.87	35.95	40.89	39.67	39.36	41.32	40.08	38.70	40.40	40.78	38.46	35.58	34.81	39.33	37.19	34.28	35.31	33.75	33.98	33.64	35.54	43.43	45.45	32.96	39,24	39,65
Bank group
ROAA, %	1.40	1.59	1.72	1.79	1.96	1.71	2.05	1.99	1.87	1.58	1.68	1.52	1.23	1.56	1.79	1.81	1.66	1.52	1.69	1.62	1.35	2.13	2.30	2.42	2.62	2.40	2.40	2.60	1.95	1.63	2.46	1,43	0,74
ROAE, %	12.41	14.00	15.36	16.18	17.63	15.46	18.93	18.63	17.81	15.23	16.27	14.70	11.63	14.28	15.76	15.43	14.15	12.73	13.96	13.23	10.99	17.60	19.08	20.78	23.38	22.32	23.37	25.60	19.27	16.05	26.06	18,95	11,45
Cost to income ratio, %	49.32	52.02	48.84	49.27	47.74	43.51	35.45	36.80	41.26	42.88	36.75	39.94	42.03	44.07	41.68	42.26	44.44	42.66	38.76	36.79	35.16	42.50	39.86	41.12	40.62	37.32	37.91	39.58	47.30	52.06	42.29	52,22	50,58
Cost to income ratio (excluding the impact of SB Draudimas customer portfolio), %	52.61	48.98	45.61	45.43	42.07	41.19	34.36	35.11	39.69	44.64	39.96	43.39	45.40	42.75	40.37	40.39	42.37	42.87	39.97	38.97	44.02	40.77	38.03	38.95	37.23

Bank	2023.12.31	2023.09.30	2023.06.30	2023.03.31
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

Bank	2022.12.31	2022.09.30	2022.06.30	2022.03.31
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

Bank	2021.12.31	2021.09.30	2021.06.30	2021.03.31
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

Bank	2020.12.31	2020.09.30	2020.06.30	2020.03.31
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

Bank	2019.12.31	2019.09.30	2019.06.30	2019.03.31
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

Bank	2018.12.31	2018.09.30	2018.06.30	2018.03.31
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), %

Bank	2017.12.31	2016.12.31	2015.12.31	2014
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), %