Fourteen years of profitable growth
Built on a solid foundation with a track record of 14 consecutive years of profitable growth supported by a large ecosystem of partners and a strong balance sheet.
* All figures exclude one-off income and expenses, in order to more accurately reflect the core business performance.
Core business results*
Units in the charts are represented in millions of euros.
| 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|
| Net interest income | 40.0 | 48.1 | 53.4 | 67.5 | 74.2 |
| Net rental income | 4.5 | 6.4 | 9.6 | 12.0 | 14.7 |
| Net result from commissions and financial items | -1.8 | -3.1 | -2.8 | -3.0 | -3.8 |
| Total net income | 42.6 | 51.4 | 60.2 | 76.4 | 85.1 |
| Total operating expenses | 24.0 | 30.3 | 36.9 | 43.2 | 46.3 |
| Operating profit | 18.6 | 21.0 | 23.2 | 33.2 | 38.8 |
| Impairments | 6.7 | 11.2 | 13.2 | 16.4 | 19.3 |
| Income tax | 1.3 | 0.2 | 1.6 | 1.5 | 1.9 |
| Net profit | 11.0 | 9.7 | 8.2 | 15.4 | 17.6 |
| Originated volume | 529.3 | 574.9 | 680.5 | 696.7 | 769.6 |
| Total assets | 787.0 | 1 020.5 | 1 320.6 | 1 435.8 | 1 580.0 |
| Loan and rental portfolio | 638.7 | 818.2 | 1 034.2 | 1 155.1 | 1 276.7 |
| Customer deposits | 617.9 | 828.9 | 1 081.6 | 1 171.4 | 1 301.1 |
| Equity | 79.0 | 101.9 | 124.1 | 147.6 | 171.0 |
| Portfolio yield | 10.6% | 10.2% | 10.9% | 11.3% | 11.1% |
| Funding cost | 1.7% | 2.6% | 4.5% | 4.4% | 4.0% |
| Total income margin | 6.5% | 5.9% | 5.2% | 5.4% | 5.5% |
| Impairments / portfolio | 1.3% | 1.5% | 1.4% | 1.5% | 1.6% |
| Cost/income ratio | 56.3% | 59.0% | 61.4% | 56.6% | 54.4% |
| Return on equity | 16.3% | 10.8% | 7.5% | 11.3% | 11.2% |
* All figures exclude one-off income and expenses, in order to more accurately reflect the core business performance.
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