Market announcement
Coop Pank AS
LEI code
549300EHNXQVOI120S55
Size of the entity
Large group
Economic activities
Financial and Insurance Activities
Industry sector(s)
Credit institution
Country of registered office
Estonia
General information
Categories
Other corporate action
Unique data record identifier
10104
Attachments
Submission date and time
13.02.2023 08:00:00
Content of announcement in Estonian
Title
Coop Pank AS 2023. aasta jaanuari tulemused
Message
Coop Panga 2023. aasta jaanuari majandustulemused:
* Panga klientide arv kasvas jaanuaris 2800 võrra ja aktiivselt arveldavate
klientide arv langes 700 võrra. Kuu lõpuks ulatus klientide arv 149 800-ni
ja aktiivselt arveldavate klientide arv 66 100-ni. Aastaga on kliendibaas
kasvanud 27%
* Panga klientide hoiuste maht kasvas jaanuaris 12 miljoni euro võrra ulatudes
kuu lõpu seisuga 1,52 miljardi euroni. Äriklientide hoiused kahanesid 15
miljonit ja eraklientide hoiused kasvasid 5 miljonit eurot.
Rahvusvahelistelt platvormidelt kaasatud hoiuste maht kasvas 22 miljoni euro
võrra. Aastaga on panga hoiuste maht kasvanud 35%.
* Panga laenuportfell kasvas jaanuaris 11 miljoni euro võrra ja jõudis kuu
lõpu seisuga 1,31 miljardi euroni. Kodulaenud kasvasid 7 miljonit eurot,
ärilaenud 2 miljonit eurot, liising 1 miljonit eurot ja
tarbimisfinantseerimine kasvas 0,6 miljonit eurot. Aastaga on panga
laenuportfell kasvanud 35%.
* Jaanuaris tehti laenude allahindluseid 0,7 miljoni euro ulatuses.
* Võrreldes möödunud aasta esimese kuuga on käesoleval aastal sama ajaga panga
netotulud kasvanud 64% ja tegevuskulud 18%.
* Pank teenis jaanuaris 2,9 miljonit eurot puhaskasumit, mida on 96% rohkem
kui aasta tagasi samal perioodil.
* Panga omakapitali tootlus oli jaanuaris 22,6%, kulu-tulu suhe 38%.
Coop Panga juhatuse esimehe Margus Rinki kommentaar:
?Jaanuar oli klientide aktiivsuse kontekstis aasta algusele omaselt pigem
rahulik kuu. Peamiste trendidena näeme, et turul on konkurents hoiuste nimel
ning uued laenutaotlused on langustrendis. Sellest lähtuvalt olid ka
jaanuarikuus meie ärimahtude kasvud tagasihoidlikud.
Aasta alguseks on majanduses selgelt välja kujunenud intressikeskkond, mis
soosib laenuvõtjate asemel taas üle pika aja hoiustajaid. Coop Panga
laenuportfell püsib jätkuvalt kvaliteetne. Meie kasuminumbrites mängivad
euriborist teenitud tulud järjest suuremat rolli, kuid samas on jõudsalt
kasvamas ka hoiustele makstavad intressikulud.
Soovime ka 2023. aastal jätkata turu parimate pakkumiste tegemist nii nõudmiseni
kui ka tähtajalistele hoiustele ning olla paindlik ning usaldusväärne partner
laenuvõtjatele."
Coop Panga põhjalikumad kvartaliaruanded on leitavad aadressil:
https://www.cooppank.ee/finantsaruanded
Eesti kapitalil põhinev Coop Pank on üks viiest Eestis tegutsevast
universaalpangast. Pangal on 149 800 igapäevapanganduse klienti. Coop Pank
kasutab jaekaubanduse ja panganduse vahel tekkivat sünergiat ning toob
igapäevased pangateenused kodule lähemale. Panga strateegiline omanik on
kodumaine kaubanduskett Coop Eesti, mille müügivõrgustikku kuulub 320 kauplust.
Lisainfo:
Paavo Truu
Finantsjuht
Telefon: 5160 231
E-post: [email protected] (mailto:[email protected])
Content of announcement in English
Title
Coop Pank AS results for January 2023
Message
Coop Pank AS results for January 2023
Coop Pank's financial results in January 2023:
* In January, number of the bank's clients increased by 2,800 and number of
active clients decreased by 700. By the end of the month number of clients
reached 149,800 and number of active clients reached 66,100. Over the year,
customer base has grown by 27%.
* Volume of the bank's customer deposits increased by 12 million euros,
reaching 1.52 billion euros by the end of month. Deposits of corporate
customers decreased by 15 million and deposits of private customers
increased by 5 million euros. The volume of deposits attracted from
international platforms increased by 22 million euros. Over the year, volume
of bank deposits has grown by 35%.
* The bank's loan portfolio increased by 11 million euros over the month and
reached 1.31 billion euros by the end of January. Home loans increased by 7
million euros, business loans by 2 million euros, leasing by 1 million
euros, consumer financing 0.6 million euros. Over the year, loan portfolio
has grown by 35%.
* In January, the loan impairment cost was 0.7 million euros.
* Compared to the first month of last year, the bank's net income has
increased by 64% and expenses by 18% during the same period this year.
* The bank earned net profit of 2.9 million euros in January, that is 96% more
than in the same period last year.
* In January, Coop Pank's return on equity was 22.6% and the cost-income ratio
was 38%.
Comment by Margus Rink, Chairman of the Management Board of Coop Pank:
"In the context of customer activity, January was rather a calm month typical of
the beginning of the year. As the main trends, we see that there is high
competition for deposits on the market and new loan applications are in a
downward trend. Accordingly, the growth of our business volumes in January was
also modest.
By the beginning of the year, in the economy, there has clearly developed the
interest rate environment, which once again favours long-term depositors instead
of borrowers. Coop Pank's loan portfolio continues to be of high quality. In our
profit numbers, the income earned from Euribor plays an increasingly important
role, but at the same time, the interest costs paid on deposits are also growing
rapidly.
In 2023, we want to continue making the best offers on the market for demand and
term deposits and be a flexible and reliable partner for borrowers."
More detailed quarterly reports of Coop Pank are available at:
https://www.cooppank.ee/en/financial-reports
Coop Pank, based on Estonian capital, is one of the five universal banks
operating in Estonia. The number of clients using Coop Pank for their daily
banking reached 149,800. Coop Pank aims to put the synergy generated by the
interaction of retail business and banking to good use and to bring everyday
banking services closer to people's homes. The strategic shareholder of the bank
is the domestic retail chain Coop Eesti, comprising of 320 stores.
Additional information:
Paavo Truu
CFO
Phone: +372 5160 231
E-mail: [email protected] (mailto:[email protected])