{"id":5888,"date":"2022-04-06T12:03:34","date_gmt":"2022-04-06T10:03:34","guid":{"rendered":"https:\/\/www.altum.lv\/key-figures\/"},"modified":"2022-07-11T22:19:51","modified_gmt":"2022-07-11T20:19:51","slug":"key-figures","status":"publish","type":"page","link":"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/","title":{"rendered":"Key figures"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\n
\n
\n\t\t\t\t\t
Altum<\/a>-<\/span><\/div>\n

Key figures<\/h1>\n\t\t\t\t\t\n \n\t\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\tFinancial results<\/a>\n\t\t\t\t\tKey figures<\/a>\n\t\t\t\t<\/div>\n\t\t\t\n <\/div>\n <\/section>\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Based on data from audited financial statements for the respective years<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t
\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
<\/td>2024<\/th>2023<\/th>2022<\/th>2021<\/th>2020<\/th>2019<\/th>2018<\/th>2017<\/th>2016<\/th>\n<\/tr>\n<\/thead>\n
Key financial data<\/td>(audited)<\/td>(audited)<\/td>(audited)<\/td>(audited)<\/td>(audited)<\/td>(audited)<\/td>(audited)<\/td>(corrected) <\/td>(corrected) <\/td>\n<\/tr>\n
Net interest income (EUR \u2019000)<\/td>23 026<\/td>17 765<\/td>16 974<\/td> 16 717<\/td>14 572<\/td>11 569<\/td>11 302<\/td>11 602<\/td>11 024<\/td>\n<\/tr>\n
Operating profit (EUR \u2019000)<\/td>28 663<\/td>17 810<\/td>11 484<\/td>13 829<\/td>5 539<\/td>8 131<\/td>4 092<\/td>8 709<\/td>2 170<\/td>\n<\/tr>\n
Profit for the period (EUR \u2019000)<\/td>28 663<\/td>17 810<\/td>11 484<\/td>13 829<\/td>5 539<\/td>8 131<\/td>4 092<\/td>8 709<\/td>2 170<\/td>\n<\/tr>\n
Cost to income ratio (CIR)<\/td>23.32%<\/td>26.34%<\/td>38.83%<\/td>39.46%<\/td>47.51%<\/td>52.58%<\/td>74.84%<\/td>50.30%<\/td>88.40%<\/td>\n<\/tr>\n
Employees<\/td>254<\/td>255<\/td>234<\/td>226<\/td>211<\/td>203<\/td>222<\/td>230<\/td>242<\/td>\n<\/tr>\n
Total assets (EUR \u2019000)<\/td>1 455 350<\/td> 1 316 086<\/td>1 099 588<\/td>976 204<\/td>850 704<\/td>560 061<\/td>495 939<\/td>453 668<\/td>443 400<\/td>\n<\/tr>\n
Financial debt (EUR \u2019000)<\/td>755 011<\/td>599 305<\/td>458 382<\/td>360 909<\/td>342 490<\/td>217 943<\/td>177 249<\/td>146 157<\/td>141 854<\/td>\n<\/tr>\n
Tangible common equity (TCE) \/ Total tangible managed assets (TMA) \u00b9 <\/td>21.6%<\/td>23.4%<\/td>27.0%<\/td>33.82%<\/td>33.56%<\/td>29.40%<\/td>31.70%<\/td>35.10%<\/td>36.50%<\/td>\n<\/tr>\n
Equity and reserves (EUR \u2019000)<\/td>416 055<\/td>389 353<\/td>395 983<\/td>440 736<\/td>382 594<\/td>232 738<\/td>221 590<\/td>222 848<\/td>210 406<\/td>\n<\/tr>\n
Return on avarage equity (ROE)<\/td>7.1%<\/td>4.5%<\/td>2.7%<\/td>3.4%<\/td>1.8%<\/td>3.6%<\/td><\/td><\/td><\/td>\n<\/tr>\n
Total risk coverage: (EUR \u2019000)<\/td>309 853<\/td>281 355 \u00b2<\/td>297 218<\/td>285 954<\/td>180 205<\/td>87 456<\/td>77 815<\/td>67 593<\/td>66 508<\/td>\n<\/tr>\n
Risk coverage reserve<\/td>269 321<\/td> 226 793 \u00b2<\/td>230 524<\/td>159 196<\/td>112 567<\/td>99 778<\/td>85 276<\/td>62 651<\/td>63 636<\/td>\n<\/tr>\n
Risk coverage reserve used for provisions<\/td>(46 585)<\/td>(42 078)<\/td>(38 039)<\/td>(29 496)<\/td>(28 197)<\/td>(27 829)<\/td>(19 268)<\/td>(4 753)<\/td>(4 323)<\/td>\n<\/tr>\n
Portfolio loss reserve (specific reserve capital)<\/td>85 736<\/td>96 587<\/td>109 979<\/td>159 700<\/td>102 264<\/td>15 507<\/td>11 807<\/td>9 695<\/td>7 195<\/td>\n<\/tr>\n
Portfolio loss reserve used to compensate provisions in the distribution of annual profit<\/td>1 381<\/td>53 <\/td>(5 246)<\/td>(3 446)<\/td>(6 429)<\/td>-<\/td>-<\/td>-<\/td>-<\/td>\n<\/tr>\n
Liquidity ratio for 180 days \u00b3<\/td>324%<\/td>430%<\/td>366%<\/td>518%<\/td>464%<\/td>582%<\/td>227%<\/td>482%<\/td>449%<\/td>\n<\/tr>\n
Net Cash flows from operating activities (EUR \u2019000)<\/td>135 234<\/td>35 724 \u2074<\/td>89 535<\/td>49 555<\/td>21 966<\/td>39 813<\/td>7 997<\/td>(10 146)<\/td>34 518<\/td>\n<\/tr>\n
Net Cash flows from financing activities (EUR \u2019000)<\/td>4 579<\/td> 9 009<\/td>3 525<\/td>43 768<\/td>165 800<\/td>18 700<\/td>12 013<\/td>22 299<\/td>5 560<\/td>\n<\/tr>\n
Net Cash flow from investing activities (EUR \u2019000)<\/td>(249 994)<\/td>(18 467) \u2074<\/td>(8 437)<\/td>4 553<\/td>(4 016)<\/td>(11 230)<\/td>8 307<\/td>3 891<\/td>759<\/td>\n<\/tr>\n
Support instruments gross value (EUR \u2019000), of which<\/td>1 177 888<\/td>1 101 797<\/td>1 064 821<\/td>979 130<\/td>872 302<\/td>667 649<\/td>553 628<\/td>465 724<\/td><\/td>\n<\/tr>\n
Financial instruments gross value (EUR \u2019000) <\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td>\n<\/tr>\n
Loans (excluding sales and leaseback transactions)<\/td>418 079<\/td>359 246<\/td> 311 844<\/td>315 674<\/td>302 481<\/td>225 144<\/td>210 208<\/td>207 065<\/td>217 429<\/td>\n<\/tr>\n
Guarantees<\/td>523 538<\/td>480 025<\/td>481 013<\/td>414 978<\/td>359 605<\/td>284 232<\/td>236 895<\/td>182 376<\/td>147 175<\/td>\n<\/tr>\n
Venture capital funds<\/td>97 999<\/td>97 456<\/td>90 277<\/td>85 973<\/td>73 165<\/td>68 331<\/td>59 698<\/td>62 299<\/td>64 785<\/td>\n<\/tr>\n
Land Fund, of which: \u2075<\/td>135 113<\/td> 96 938<\/td>80 542<\/td>79 163<\/td>68 258<\/td>39 634<\/td>21 717<\/td>11 328<\/td>4 635<\/td>\n<\/tr>\n
- sales and leaseback transactions<\/td>42 137<\/td>28 692<\/td>27 089<\/td>32 999<\/td>31 500<\/td>15 268<\/td>6 923<\/td>520<\/td>-<\/td>\n<\/tr>\n
- investment properties<\/td>92 976<\/td>68 246<\/td>53 453<\/td>46 164<\/td>36 758<\/td>24 366<\/td>14 794<\/td>10 808<\/td>4 635<\/td>\n<\/tr>\n
Total<\/td>1 174 729<\/td>1 033 665<\/td>963 676<\/td>895 788<\/td>803 509<\/td>617 341<\/td>528 518<\/td>463 068<\/td>434 024<\/td>\n<\/tr>\n
Number of transactions<\/td>38 730<\/td>35 260<\/td>33 796<\/td>30 978<\/td>26 578<\/td>22 437<\/td>18 603<\/td>14 655<\/td>11 561<\/td>\n<\/tr>\n
Volumes issued (EUR \u2019000) (by financial instrument) <\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td>\n<\/tr>\n
Loans (excluding sales and leaseback transactions)<\/td>221 741<\/td>141 993<\/td>95 820<\/td>100 966<\/td>138 238<\/td>64 320<\/td>59 608<\/td>51 349<\/td>59 465<\/td>\n<\/tr>\n
Guarantees<\/td>142 902<\/td>99 440<\/td>153 067<\/td>126 997<\/td>137 425<\/td>98 240<\/td>88 765<\/td>68 615<\/td>56 109<\/td>\n<\/tr>\n
Venture capital funds<\/td>15 745<\/td>23 920<\/td>18 526<\/td>29 158<\/td>14 014<\/td>9 022<\/td>4 149<\/td>2 638<\/td>21 356<\/td>\n<\/tr>\n
Land Fund, of which: \u2075<\/td>40 506<\/td>17 676<\/td>7 414<\/td>10 595<\/td>28 191<\/td>16 384<\/td>10 823<\/td>6 359<\/td>3 704<\/td>\n<\/tr>\n
- sales and leaseback transactions<\/td>19 692<\/td>7 916<\/td>3 105<\/td>3 254<\/td>16 796<\/td>7 239<\/td>6 835<\/td>520<\/td>-<\/td>\n<\/tr>\n
- investment properties<\/td>20 814<\/td>9 760<\/td>4 309<\/td>7 341<\/td>11 395<\/td>9 145<\/td>3 988<\/td>5 839<\/td>3 704<\/td>\n<\/tr>\n
Total<\/td>420 894<\/td>283 029<\/td>274 827<\/td>267 716<\/td>317 868<\/td>187 966<\/td>163 345<\/td>128 961<\/td>140 634<\/td>\n<\/tr>\n
Number of transactions<\/td>6 710<\/td>4 846<\/td>6 539<\/td>6 579<\/td>6 147<\/td>5 559<\/td>5 590<\/td>4 839<\/td>4 537<\/td>\n<\/tr>\n
Total contribution to economy, including the participation of the final recipients (EUR \u2019000)<\/td>978 319<\/td>946 008<\/td>765 577<\/td>791 646<\/td>696 306<\/td>531 661<\/td>460 045<\/td>370 560<\/td>359 706<\/td>\n<\/tr>\n
Leverage for raised private funding<\/td>129%<\/td>229%<\/td>123%<\/td>177%<\/td>114%<\/td>142%<\/td>162%<\/td>185%<\/td>162%<\/td>\n<\/tr>\n
Volume of support programmes funding per employee (EUR \u2019000)<\/td>4 625<\/td>4 054<\/td>4 118<\/td>3 964<\/td>3 808<\/td>3 041<\/td>2 381<\/td>2 013<\/td>1 793<\/td>\n<\/tr>\n
Long-term rating assigned by Moody\u2019s Investors Service<\/td>Baa1<\/td>Baa1<\/td>Baa1<\/td>Baa1<\/td>Baa1<\/td>Baa1<\/td>Baa1<\/td>Baa1<\/td>-<\/td>\n<\/tr>\n
<\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Definitions of ratios<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\n
\n \n
\n
\n
\n Net income from interest\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cNet income from interest, fees and commission\u201d is equal to the item \u201cNet interest income\u201d in the Statement of Comprehensive Income. Until 2018 this ratio included the following items of the Statement of Comprehensive Income: \u201cNet interest income\u201d and \u201cNet income from fees and commissions\u201d. In 2019 following the industry practise Fee and commission income from lending activities is reclassified to Interest income from \u201cNet income from fees and commissions\u201d. Subsequently the fee and commission income not related to lending activities is reclassified within Other income and as such is not included in this ratio. The item \u201cNet income from fees and commissions\u201d is not applicable in The Statement of Comprehensive Income anymore. The comparatives have been reclassified accordingly. ALTUM uses this indicator as the key financial metric for profitability by evaluating ALTUM Group\u2019s net income amount generated by the portfolio of financial instruments and recognised in the Statement of Comprehensive income. ALTUM management measures and monitors the actual performance of this indicator on a quarterly basis compared to the approved level in ALTUM Group\u2019s budget.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Operating profit\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cOperating profit\u201d is calculated by deducting \u201cOperating expenses\u201d from \u201cOperating income before operating expenses\u201d included in the Statement of Comprehensive Income. \u201cOperating expenses\u201d is calculated as the sum of \u201cStaff costs\u201d, \u201cAdministrative expense\u201d, \u201cAmortisation of intangible assets and depreciation of property, plant and equipment\u201d and \u201cImpairment gain \/ (loss), net\u201d included in the Statement of Comprehensive Income.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Cost to income ratio (CIR)\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cCost to income ratio\u201d (CIR) is calculated by dividing the amount of \u201cStaff costs\u201d, \u201cAdministrative expense\u201d, \u201cAmortisation of intangible assets and depreciation of property, plant and equipment\u201d by \u201cOperating income before operating expenses\u201d included in the Statement of Comprehensive Income. ALTUM uses CIR to evaluate the operational efficiency. This is one of the measures of operational efficiency which ALTUM management assesses on a quarterly basis in the management reports to evaluate the outputs from different operational activities and efficiency improving measures.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Financial debt\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cFinancial debt\u201d is calculated as the sum of \u201cDue to credit institutions\u201d, \u201cDue to general government entities\u201d, \u201cFinancial liabilities at amortised cost \u2013 issued debt securities\u201d and \u201cSupport programme funding\u201d included in the Statement of Financial Position less difference between \u201cRisk Coverage Reserve\u201d and \u201cRisk Coverage Reserve Used for Provisions\u201d.<\/p>

\u00a0<\/p>

\u201cRisk Coverage Reserve\u201d is disclosed in the Note on Support Programme Funding to the Financial statements of ALTUM Group. \u201cRisk Coverage Reserve Used for Provisions\u201d is the amount of \u201cRisk Coverage Reserve\u201d allocated to and used for provisioning for impairment loss on loan portfolio and guarantees which in its turn is disclosed in the Note on Support Programme Funding to the Financial statements of ALTUM Group.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Tangible common equity (TCE) \/ Tangible managed assets (TMA)\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cTangible Common Equity\u201d (TCE) is calculated by subtracting the revaluation reserve of available for sale investments from total equity.<\/p>

\u00a0<\/p>

The amount of \u201cTotal managed assets\u201d (TMA) is calculated by adding the guarantees shown as off-balance sheet items to the total assets of ALTUM Group taking into account provisions for these guarantees and subtracting \u201cDeferred expense\u201d, \u201cAccrued income\u201d, \u201cProperty, plant and equipment\u201d, \u201cIntangible assets\u201d, \u201cOther assets\u201d and \u201cAssets held for sale\u201d.<\/p>

\u00a0<\/p>

Data for the calculation of both indicators (TCE, TMA) are obtained from ALTUM Group\u2019s Financial statements: Statement of Financial Position and Consolidated Statement of Changes in Equity, notes - Off balance sheet items and contingent liabilities and Provisions. ALTUM uses the ratio \u201cTCE\/TMA\u201d to evaluate ALTUM Group\u2019s capital position adequacy and to measure ALTUM Group\u2019s tangible common equity in terms of ALTUM Group\u2019s tangible managed assets including the off-balance sheet item Guarantee portfolio. The Risk and Liquidity Management Committee of ALTUM monitors its level on a quarterly basis.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Total risk coverage\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cTotal Risk Coverage\u201d is the net funding available for covering the expected credit losses of the State aid programmes implemented by ALTUM. \u201cTotal Risk Coverage\u201d is calculated as the total of \u201cRisk Coverage Reserve\u201d and \u201cPortfolio Loss Reserve\u201d (Specific Capital Reserves) less \u201cRisk Coverage Reserve Used for Provisions\u201d and \u201cPortfolio loss reserve used to compensate provisions upon approval of the annual report\u201d. The expected losses are estimated before implementation of the respective State aid programme and part of the public funding received under respective State aid programme for coverage of expected losses on credit risk is transferred either to \u201cPortfolio Loss Reserve\u201d as ALTUM Group\u2019s specific capital reserve or accounted separately as provisions for risk coverage under liabilities item \u201cRisk Coverage Reserve\u201d. \u201cPortfolio Loss Reserve\u201d (specific capital reserve) is disclosed in the Note on Reserves to the Financial statements of the ALTUM Group. \u201cRisk Coverage Reserve\u201d is disclosed in the Note on Support Programme Funding to the Financial statements of ALTUM Group. \u201cRisk Coverage Reserve Used for Provisions\u201d is the amount of \u201cRisk Coverage Reserve\u201d allocated to and used for provisioning for impairment loss on loan portfolio and guarantees which in its turn is disclosed in the Note on Support Programme Funding to the Financial statements of ALTUM Group. \u201cPortfolio loss reserve used to compensate provisions upon approval of the annual report\u201d is disclosed in the Note on Reserves to the Financial statements of the ALTUM Group.<\/p>

\u00a0<\/p>

\u201cTotal Risk Coverage\u201d is key indicator to be used for assessment of ALTUM\u2019s risk coverage on implemented programmes and long-term financial stability.\u00a0<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n 180-day liquidity ratio\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201c180-days-liquidity ratio\u201d is calculated by dividing the amount of the balances \u201cDue from other credit institutions and the Treasury\u201d with a maturity of up to 1 month and \u201cFinancial assets at fair value through other comprehensive income and Investment securities\u201d by the amount of the total liabilities maturing within 6 months and total financial commitments maturing within 6 months (off-balance sheet items). The data required for the calculation of the \u201c180-days liquidity ratio\u201d is disclosed in the following ALTUM Group\u2019s Financial statements: Statement of Financial Position and notes \u2013 Maturity profile of assets and liabilities under the section of Risk Management, Off-balance sheet items and contingent liabilities. ALTUM uses the \u201c180-days-liquidity ratio\u201d to assess and monitor ALTUM Group\u2019s ability to fulfil ALTUM Group\u2019s contractual and\/or contingent liabilities during 6 (six) month with the currently available liquidity resources. \u201c180-days-liquidity ratio\u201d helps to manage ALTUM Group\u2019s liquidity risk in line with ALTUM Group\u2019s\/ALTUM\u2019s funding management objectives and risk framework. Risk and Liquidity Management Committee of ALTUM monitors its level on a quarterly basis.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Support instruments gross value\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cSupport instruments gross value\u201d is calculated as the sum of the gross values of the portfolios of grants, loans, guarantees, venture capital funds and Land Fund\u00a0<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Total contribution to the economy, including the participation of the final recipients, by volumes issued in the period\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

The 'Total contribution to the economy, including the participation of the final recipients, by volumes issued in the period\u2019 is calculated by adding to the volumes issued by ALTUM the financing provided by the private co-financier and the project promoter.\u00a0<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Leverage for raised private funding\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\u201cLeverage for raised private funding\u201d indicates the amount of additional private funds invested in a project in addition to ALTUM\u2019s financing. \u201cLeverage for raised private funding\u201d is determined considering the financing invested by a private co-financier and a project\u2019s implementer, which, on average, makes up to 50 per cent for loans, up to 70 per cent for guarantees and venture capital (except for housing loan guarantees\u2019 programme for the first instalment with a ratio of 795 per cent) in addition to ALTUM\u2019s funding.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Employees\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

Average number of employees in the report period excluding members of the Council and the Audit Committee.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Volume of support programmes funding per employee\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

\"Support programmes funding per employee\" is calculated by dividing the gross value of the Financial Instruments Portfolio by the average number of employees during the period, excluding members of the Supervisory Council and the Audit Committee.<\/p>\n <\/div>\n <\/div>\n \n

\n
\n
\n Venture capital\n <\/div>\n
\n <\/span>\n <\/div>\n <\/div>\n
\n

The Venture Capital Funds presented at their gross value.<\/p>\n <\/div>\n <\/div>\n \n <\/div>\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t

Contacts for Investor relations<\/h2>\n\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t
\n\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tLaura Lapkovska\n\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t

<\/p>\n\t\t\t\t\t\t

\n\t\t\t\t\t\t\t
26165699<\/a><\/div>\n\t\t\t\t\t\t\tlaura.lapkovska@altum.lv<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div> \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Altum– Key figures Financial results Key figures Based on data from audited financial statements for the respective years Definitions of ratios Net income from interest \u201cNet income from interest, fees […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":5796,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-5888","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nKey figures - Altum<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Key figures - Altum\" \/>\n<meta property=\"og:description\" content=\"Altum– Key figures Financial results Key figures Based on data from audited financial statements for the respective years Definitions of ratios Net income from interest \u201cNet income from interest, fees […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/\" \/>\n<meta property=\"og:site_name\" content=\"Altum\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AltumLV\" \/>\n<meta property=\"article:modified_time\" content=\"2022-07-11T20:19:51+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@altumlv\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/\",\"url\":\"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/\",\"name\":\"Key figures - Altum\",\"isPartOf\":{\"@id\":\"https:\/\/www.altum.lv\/en\/#website\"},\"datePublished\":\"2022-04-06T10:03:34+00:00\",\"dateModified\":\"2022-07-11T20:19:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"S\u0101kums\",\"item\":\"https:\/\/www.altum.lv\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Investors\",\"item\":\"https:\/\/www.altum.lv\/en\/investors\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Financial information\",\"item\":\"https:\/\/www.altum.lv\/en\/investoriem\/finansu-informacija\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Key figures\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.altum.lv\/en\/#website\",\"url\":\"https:\/\/www.altum.lv\/en\/\",\"name\":\"Altum\",\"description\":\"Finan\u0161u instit\u016bcija ALTUM\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.altum.lv\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Key figures - Altum","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/","og_locale":"en_US","og_type":"article","og_title":"Key figures - Altum","og_description":"Altum– Key figures Financial results Key figures Based on data from audited financial statements for the respective years Definitions of ratios Net income from interest \u201cNet income from interest, fees […]","og_url":"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/","og_site_name":"Altum","article_publisher":"https:\/\/www.facebook.com\/AltumLV","article_modified_time":"2022-07-11T20:19:51+00:00","twitter_card":"summary_large_image","twitter_site":"@altumlv","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/","url":"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/","name":"Key figures - Altum","isPartOf":{"@id":"https:\/\/www.altum.lv\/en\/#website"},"datePublished":"2022-04-06T10:03:34+00:00","dateModified":"2022-07-11T20:19:51+00:00","breadcrumb":{"@id":"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.altum.lv\/en\/investors\/financial-information\/key-figures\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"S\u0101kums","item":"https:\/\/www.altum.lv\/en\/"},{"@type":"ListItem","position":2,"name":"Investors","item":"https:\/\/www.altum.lv\/en\/investors\/"},{"@type":"ListItem","position":3,"name":"Financial information","item":"https:\/\/www.altum.lv\/en\/investoriem\/finansu-informacija\/"},{"@type":"ListItem","position":4,"name":"Key figures"}]},{"@type":"WebSite","@id":"https:\/\/www.altum.lv\/en\/#website","url":"https:\/\/www.altum.lv\/en\/","name":"Altum","description":"Finan\u0161u instit\u016bcija ALTUM","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.altum.lv\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/5888"}],"collection":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/comments?post=5888"}],"version-history":[{"count":14,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/5888\/revisions"}],"predecessor-version":[{"id":21840,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/5888\/revisions\/21840"}],"up":[{"embeddable":true,"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/pages\/5796"}],"wp:attachment":[{"href":"https:\/\/www.altum.lv\/en\/wp-json\/wp\/v2\/media?parent=5888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}