Market announcement
Bigbank AS
LEI code
5493007SWCCN9S3J2748
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
Management interim statement or quarterly financial report
Unique data record identifier
17016
Attachments
Submission date and time
26.02.2025 08:00:13
Content of announcement in Estonian
Title
Bigbanki 2024. aasta neljanda kvartali ja 12 kuu auditeerimata majandustulemused
Message
Bigbanki brutolaenuportfell kasvas aasta lõpuks rekordilise 2,2 miljardi euroni, suurenedes kvartaliga 137 miljoni euro võrra (+7%) ja aastaga 535 miljoni euro võrra (+32%). Fookustooteliinid näitasid soliidset kvartalikasvu. Ärilaenuportfell kasvas kvartaliga 61 miljoni euro võrra (+9%) 764 miljoni euroni, kodulaenuportfell 79 miljoni euro võrra (+15%) 613 miljoni euroni. Tarbimislaenuportfell kahanes kvartaliga 9 miljoni euro võrra (-1%) 828 miljoni euroni. Hoiuseportfell kasvas neljandas kvartalis eelkõige tähtajaliste hoiuste toel. Kvartaliga kasvas tähtajalise hoiuse portfell 118 miljoni euro võrra, jõudes 1,36 miljardi euroni (+10%). Säästuhoiuseportfell kasvas kvartaliga 8 miljoni euro võrra 1,03 miljardi euroni (+1%). Kontserni hoiuseportfell kokku kasvas kvartaliga 127 miljoni euro võrra (+6%) ja aastaga 456 miljoni euro võrra (+24%) 2,39 miljardi euroni. Ühtlasi alustas Bigbank detsembris Eestis olemasolevatele eraklientidele arvelduskonto pakkumist, mis mitmekesistab hoiuseportfelli veelgi, kuid 2024. aasta lõpus oli arvelduskontode jääk veel marginaalne. Bigbank teenis 2024. aasta neljandas kvartalis 4,6 miljonit eurot puhaskasumit. 2024. aasta 12 kuu kasum oli 32,3 miljonit eurot. 2023. aasta korrigeeritud tulemustega võrreldes vähenes neljanda kvartali puhaskasum 6,6 miljonit eurot ja 12 kuu puhaskasum 8,3 miljonit eurot. Neljandas kvartalis kasvasid intressitulud 2023. aasta sama perioodiga võrreldes 5,7 miljonit eurot 43,4 miljoni euroni (+15%). Intressikulud kasvasid 5,3 miljoni euro võrra 20,1 miljoni euroni (+36%). Bigbanki netointressitulu kasvas aastataguse neljanda kvartaliga võrreldes 0,4 miljoni euro võrra 23,3 miljoni euroni ja 2023. aastaga võrreldes 6,7 miljoni euro võrra 102,4 miljoni euroni (+7%). Neljandas kvartalis püsis laenuportfelli krediidikvaliteet stabiilne. 2024. aasta arvestuses toimusid laenuportfelli krediidikvaliteedis muutused. Esimeses kvartalis jätkus 2023. aasta viimases kvartalis toimunud tarbimislaenude portfelli kvaliteedi langus, kuid järgnevate kvartalite jooksul olukord stabiliseerus. Aasta jooksul toimus teatav halvenemine ka ärilaenude portfellis, kus kasvas makseviivituses olevate laenude osakaal, kuid tugevate tagatispositsioonide tõttu see laenuportfelli allahindlustele olulist mõju ei avaldanud. Kodulaenude kvaliteet oli läbi aasta jätkuvalt väga hea. Laenunõuete allahindluskulu vähenes võrreldes 2023. aasta neljanda kvartaliga 0,3 miljonit eurot 4,6 miljoni euroni. Aastaga kasvas allahindluskulu aga 5,0 miljoni euro võrra 23,9 miljoni euroni. 2023. aasta lõpuga võrreldes kasvas 3. etapi nõuete maht 59,5 miljoni euro võrra ja ulatus 2024. aasta lõpuks 4,9%-ni laenunõuetest (+1,9 protsendipunkti võrreldes eelmise aastaga). Kolmanda kvartali lõpuga võrreldes püsis 3. etapi nõuete osakaal neljandas kvartalis kogu portfellis stabiilsena. Kontserni kinnisvarainvesteeringute portfell kasvas neljanda kvartali lõpuks 66,4 miljoni euroni (+35% võrreldes 2023. aasta lõpuga). Kinnisvarainvesteeringute väärtuse muutuselt teenis Kontsern nii neljandas kvartalis kui ka aasta kokkuvõttes 1,6 miljonit eurot kahjumit. Võrdluseks, 2023. aasta 12 kuu tulemus oli 3,4 miljoni euro suurune kasum, mis sisaldas 4,4 miljoni euro suurust kasumit neljandas kvartalis. Ühtlasi on see ka peamine põhjus, miks Kontserni 2024. aasta neljanda kvartali puhaskasum oli 6,6 miljonit eurot madalam kui 2023. aasta samal perioodil. Kasumiaruanne, tuhandetes IV kvartal IV kvartal 12 kuud eurodes 2024 2023 12 kuud 2024 2023 ------------------------------------------------------------------------------- Neto intressitulu 23 266 22 949 102 356 95 667 Neto teenustasud 2 499 2 168 9 224 8 284 Netokasum finantsvaradelt 1 145 4 246 5 246 9 222 Neto tegevustulud -1 350 -1 940 -4 150 -3 626 ------------------------------------------------------------------------------- Neto tegevustulud kokku 25 560 27 423 112 676 109 547 ------------------------------------------------------------------------------- Palgakulud -8 204 -6 345 -27 780 -24 032 Halduskulud -2 766 -4 025 -11 547 -15 183 Põhivara kulum ja väärtuse langus -2 052 -2 039 -8 349 -6 400 ------------------------------------------------------------------------------- Tegevuskulud kokku -13 022 -12 409 -47 676 -45 615 ------------------------------------------------------------------------------- Eraldiste kulu (tulu) -1 730 4 662 -1 836 3 780 ------------------------------------------------------------------------------- Kasum enne allahindluste kulu 10 808 19 676 63 164 67 712 ------------------------------------------------------------------------------- Neto laenunõuete ja finantsinvesteeringute allahindlused -4 606 -4 896 -23 899 -18 881 Kasum enne maksustamist 6 202 14 780 39 265 48 831 Tulumaks -1 514 -3 432 -7 017 -7 601 ------------------------------------------------------------------------------- Aruandeperioodi jätkuvate tegevuste kasum 4 688 11 348 32 248 41 230 ------------------------------------------------------------------------------- Kasum (kahjum) lõppenud tegevustest 0 -18 29 -575 ------------------------------------------------------------------------------- Aruandeperioodi kasum 4 688 11 330 32 277 40 655 ------------------------------------------------------------------------------- Finantsseisundi aruanne, tuhandetes eurodes 31.12.2024 30.09.2024 31.12.2023 korrigeeritud* ------------------------------------------------------------------------------- Raha ja raha ekvivalendid 448 661 475 284 518 672 Võlaväärtpaberid 22 334 14 992 15 400 Nõuded klientidele 2 196 482 2 059 625 1 662 002 Muud varad 110 939 87 126 91 324 ------------------------------------------------------------------------------- Varad kokku 2 778 416 2 637 027 2 287 398 ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 2 401 689 2 274 269 1 946 314 Allutatud võlakirjad 91 668 83 437 76 109 Muud kohustised 15 277 14 585 20 182 ------------------------------------------------------------------------------- Kohustised kokku 2 508 634 2 372 291 2 042 605 ------------------------------------------------------------------------------- Omakapital 269 782 264 736 244 793 ------------------------------------------------------------------------------- Kohustised ja omakapital kokku 2 778 416 2 637 027 2 287 398 ------------------------------------------------------------------------------- Bigbank AS juhatuse esimehe Martin Läntsi kommentaar: ?Bigbank jätkas 2024. aastal strateegilist kasvu, keskendudes laenu- ja hoiuseportfelli laiendamisele ning igapäevapanganduse teenuste arendamisele. Meie laenuportfell kasvas 2,2 miljardi euroni (+32%) ja hoiuseportfell 2,4 miljardi euroni (+24%). Aktiivsete klientide arv suurenes aastaga 16 600 võrra, kerkides üle 167 300. Kliendirahulolu püsis kõrgel tasemel - meie soovitusindeks (NPS) oli 57 punkti. Aasta olulisemate saavutuste hulka kuulusid SEPA välkmaksete süsteemi käivitamine ja arvelduskontode pakkumise alustamine Eestis, mis võimaldab klientidel teha ja vastu võtta makseid sekundite jooksul, ööpäevaringselt. See on oluline samm igapäevapanganduse arendamisel, mida plaanime peagi laiendada ka teistesse tegevusriikidesse. Järjepideva kasvu veduriteks olid kodu- ja ärilaenud - kodulaenuportfell kasvas aastaga 75% ja ärilaenuportfell 32%. Klientide usaldus meie personaalse lähenemise, kiirete protsesside ja konkurentsivõimeliste tingimuste vastu kinnitab, et liigume õiges suunas. Samal ajal hoidsime hoiuseintresse kliendisõbralikul tasemel ning laiendasime hoiusetoodete pakkumist - näiteks tõime Leedus eraklientidele turule tähtajalise hoiuse ning Lätis ja Bulgaarias säästuhoiuse. Samuti avasime äriklientidele säästuhoiuse võimaluse Lätis ja Leedus. Hoolimata langeva euribori keskkonnast ja jätkuvalt kõrgetest hoiuseintressidest, suutis Bigbank hoida tugevat kasumlikkust - 2024. aasta puhaskasum ulatus 32,3 miljoni euroni. See näitab meie suutlikkust pakkuda konkurentsivõimelisi tooteid ja teenuseid nii laenu- kui hoiustamisturul ning hoida samal ajal jätkusuutlikku kasvu. 2024. aasta novembris tegi Eesti Pank Bigbanki jaoks märgilise otsuse, lisades meid süsteemselt oluliste krediidiasutuste hulka. See otsus rõhutab meie kasvavat rolli Eesti finantssektoris ja kinnitab, et oleme valinud õige strateegia. Lisaks viisime edukalt läbi võlakirjaemissioonid, kaasates 20,4 miljonit eurot täiendavat kapitali, et toetada edasist laienemist ja tugevdada kapitalistruktuuri. Südamest tänan kogu Bigbanki meeskonda nende pühendumuse ja sihikindluse eest. Samuti suur tänu meie klientidele, investoritele ja partneritele - teie usaldus ja toetus innustab meid pakkuma veelgi paremaid finantsteenuseid ning koos edasi kasvama!" Rohkem kui 30-aastase tegevusajalooga Bigbank AS (www.bigbank.ee (https://www.globenewswire.com/Tracker?data=uSLePKYGX8PQDeNheytPaCXCfcHNQtUNiYNO NzrzxSZ7gs7p-gTRJ_-i2dlmVzsE_81dxRYJWusl7ZE8bVZacTz-Pu4PJrVp1q-5Svyut2ob- JFndqv5oHs26XepL6xTifuQa_P_HndDJm1cTQV08PzLMgSqCnOqm9d1wIySvUBy00IAM0KtQ7hmT0FF9 KPAVr1ebywahuy2yfkcH0wky_9Kk8Heqi2wDGU363AcLAecUz_LinaXqu8CVPbLnGfZlyVQYHUJ0JFlz KLetJhhu96bfOzvGTP1qsieKmYPnHe9eNPvMQosBOvvDeUrRZ4Sfsyq4Ws_zfIneHxqytWz0uSFR73sL PVlEbnWxQNKRPpgCllV6CLrBHDAA1TQHIs_rDmSoqtGaLeIxH2G4LtbqRBbtIazHu7k4gPsPWPXP7g=)) on Eesti kapitalile kuuluv kommertspank. Seisuga 31. detsember 2024 oli panga bilansimaht ligi 2,8 miljardit eurot ja omakapital ligi 270 miljonit eurot. Üheksas riigis tegutseval pangal on kokku üle 167 000 aktiivse kliendi ning üle 500 töötaja. Reitinguagentuur Moody's on väljastanud Bigbankile pikaajalise pangahoiuste reitingu tasemel Ba1 ning baaskrediidireitingu (BCA) ja kohandatud BCA tasemel Ba2. Argo Kiltsmann Juhatuse liige Telefon: +372 5393 0833 E-mail: [email protected] (https://www.globenewswire.com/Tracker?data=3qTwIt8iWS1RtAsvE5A_Uv9hPxNij9el4j2A xJGQaneRWP_sUmDSCy6cUxjbIzu2Xn63NdinFnRAxnkD- b9nDCY_JCwhtgFHCsy7Z_MrFELXhkUZqZXTuAT6isrXWRzV) www.bigbank.ee (https://www.globenewswire.com/Tracker?data=uSLePKYGX8PQDeNheytPaBLnx1SggjbJIULY UL4pj5xqLpK1chYal_to4hEFD8SkLakeyn0q5-jiM_DkRbY-nA==)
Content of announcement in English
Title
Bigbank's Unaudited Financial Results for Q4 and 12 months of 2024
Message
Bigbank's gross loan portfolio reached a record 2.2 billion euros at the end of the year, increasing by 137 million euros (+7%) quarter on quarter and by 535 million euros (+32%) year on year. The focus product lines showed solid quarter- on-quarter growth. The business loan portfolio grew by 61 million euros (+9%) to 764 million euros and the home loan portfolio by 79 million euros (+15%) to 613 million euros. The consumer loan portfolio decreased by 9 million euros (-1%) quarter on quarter to 828 million euros. Bigbank's deposit portfolio grew in the fourth quarter mainly through term deposits. During the quarter, the term deposit portfolio grew by 118 million euros to 1.36 billion euros (+10%) and the savings deposit portfolio by 8 million euros to 1.03 billion euros (+1%). The Group's total deposit portfolio grew by 127 million euros (+6%) quarter on quarter and by 456 million euros (+24%) year on year to 2.39 billion euros. In December, Bigbank also started offering current accounts to existing retail customers in Estonia, which will further diversify the deposit portfolio, but the balance of current accounts was still marginal at the end of 2024. In the fourth quarter of 2024, Bigbank earned a net profit of 4.6 million euros. Net profit for the 12 months of 2024 was 32.3 million euros. Compared to the restated results for 2023, fourth-quarter net profit decreased by 6.6 million euros and 12-month net profit by 8.3 million euros. In the fourth quarter, interest income grew by 5.7 million euros year on year to 43.4 million euros (+15%). Interest expense grew by 5.3 million euros to 20.1 million euros (+36%). Bigbank's net interest income for the fourth quarter was 23.3 million euros, up 0.4 million euros year on year, and net interest income for the year was 102.4 million euros, up 6.7 million euros (+7%) year on year. In the fourth quarter, the credit quality of the loan portfolio remained stable. However, changes were observed in the credit quality of the loan portfolio over the course of 2024. The decline in the quality of the consumer loan portfolio, which started in the last quarter of 2023, continued in the first quarter, but the situation stabilised in the following quarters. During the year, there was also some deterioration in the business loan portfolio, where the share of past due loans increased, but due to strong collateral positions this did not have a significant impact on loss allowances. The credit quality of home loans remained very good throughout the year. In the fourth quarter, loss allowances for loans decreased by 0.3 million euros year on year to 4.6 million euros, but during the year loss allowances grew by 5.0 million euros to 23.9 million euros. Compared to the end of 2023, the share of stage 3 (non-performing) loans grew by 59.5 million euros and accounted for 4.9% of the total loan portfolio at the end of 2024 (+1.9 pp from the end of 2023). Compared to the end of the third quarter, the share of stage 3 loans in the total loan portfolio remained stable. The Group's investment property portfolio increased to 66.4 million euros by the end of the fourth quarter (+35% from end-2023). Changes in the fair value of investment properties resulted in a loss of 1.6 million euros for both the fourth quarter and the full year. For comparison, the 12-month result for 2023 was a profit of 3.4 million euros, which included a profit of 4.4 million euros in the fourth quarter. This is also the main reason why the Group's net profit for the fourth quarter of 2024 was 6.6 million euros lower than in the same period of 2023. Income statement, in thousands of euros Q4 2024 Q4 2023 12M 2024 12M 2023 ------------------------------------------------------------------------------- Net interest income 23,266 22,949 102,356 95,667 Net fee and commission income 2,499 2,168 9,224 8,284 Net income (loss) on financial assets 1,145 4,246 5,246 9,222 Net other operating income -1,350 -1,940 -4,150 -3,626 ------------------------------------------------------------------------------- Total net operating income 25,560 27,423 112,676 109,547 ------------------------------------------------------------------------------- Salaries and associated charges -8,204 -6,345 -27,780 -24,032 Administrative expenses -2,766 -4,025 -11,547 -15,183 Depreciation, amortisation and impairment -2,052 -2,039 -8,349 -6,400 ------------------------------------------------------------------------------- Total expenses -13,022 -12,409 -47,676 -45,615 ------------------------------------------------------------------------------- Provision expenses (income) -1,730 4,662 -1,836 3,780 ------------------------------------------------------------------------------- Profit before loss allowances 10,808 19,676 63,164 67,712 ------------------------------------------------------------------------------- Net loss allowances on loans and financial investments -4,606 -4,896 -23,899 -18,881 Profit before income tax 6,202 14,780 39,265 48,831 Income tax expense -1,514 -3,432 -7,017 -7,601 ------------------------------------------------------------------------------- Profit for the period from continuing operations 4,688 11,348 32,248 41,230 ------------------------------------------------------------------------------- Income (loss) from discontinued operations 0 -18 29 -575 ------------------------------------------------------------------------------- Profit for the period 4,688 11,330 32,277 40,655 ------------------------------------------------------------------------------- Statement of financial position, in thousands of euros 31 Dec 2024 30 Sept 2024 31 Dec 2023 restated* ------------------------------------------------------------------------------- Cash and cash equivalents 448,661 475,284 518,672 Debt securities at FVOCI 22,334 14,992 15,400 Loans to customers 2,196,482 2,059,625 1,662,002 Other assets 110,939 87,126 91,324 ------------------------------------------------------------------------------- Total assets 2,778,416 2,637,027 2,287,398 ------------------------------------------------------------------------------- Customer deposits and loans received 2,401,689 2,274,269 1,946,314 Subordinated notes 91,668 83,437 76,109 Other liabilities 15,277 14,585 20,182 ------------------------------------------------------------------------------- Total liabilities 2,508,634 2,372,291 2,042,605 ------------------------------------------------------------------------------- Equity 269,782 264,736 244,793 ------------------------------------------------------------------------------- Total liabilities and equity 2,778,416 2,637,027 2,287,398 ------------------------------------------------------------------------------- Commentary by Martin Länts, chairman of the management board of Bigbank AS: "In 2024, Bigbank continued its strategic growth, focusing on expanding its loan and deposit portfolios and developing everyday banking services. Our loan portfolio grew to 2.2 billion euros (+32%), while our deposit portfolio reached 2.4 billion euros (+24%). The number of active customers increased by 16,600 over the year to more than 167,300. Customer satisfaction remained high, with our Net Promoter Score (NPS) at 57 points. One of the key achievements of the year was integration with the SEPA instant payment system and the launch of a current account in Estonia, enabling customers to send and receive payments within seconds, 24/7. This is an important step towards everyday banking services, which we plan to expand to our other markets soon. The main drivers of our continued growth were home and business loans - our home loan portfolio grew by 75%, while business loans increased by 32% year-on-year. The trust our customers place in us, thanks to our personalised approach, fast processes and competitive terms, confirms that we are on the right track. At the same time, we maintained attractive deposit rates and expanded our deposit offering - for example, we introduced a term deposit for retail customers in Lithuania and a savings deposit in Latvia and Bulgaria. We also launched a savings deposit for corporate customers in Latvia and Lithuania. Despite the declining Euribor environment and continued high deposit rates, Bigbank maintained strong profitability, generating a net profit of 32.3 million euros in 2024. This demonstrates our ability to offer competitive products and services in both the lending and deposit markets, while ensuring sustainable growth. In November 2024, Bigbank reached a significant milestone when the central bank of Estonia designated us as a systemically important credit institution. This decision underscores our growing role in Estonia's financial sector and validates our strategic direction. We also carried out successful bond issues, raising 20.4 million euros in additional capital to support further expansion and strengthen our capital structure. I sincerely thank the entire Bigbank team for their dedication and determination. My gratitude also goes to our customers, investors and partners - your trust and support inspire us to deliver even better financial services and to grow together." Bigbank AS (www.bigbank.eu (https://www.globenewswire.com/Tracker?data=uSLePKYGX8PQDeNheytPaBqbdvKg0STiscSY Tp_ttDxYQQa26H0ZTh6sbzEdznGAVR6xw7Ufr_7Go- j4Kz5P6BAEZLc_D2oDRR0_bpL00KC8Jac9FhWu9ToZQFeloV- O1HAfx656pGDVq4kdVXNB6adx_U6yB28C8zdQcI5sAGosV5cpQ_7LrKZEesFxvs8IcZuSmLR- VdzMkVfKGRpoO_giDvbxXlGUDgnDv4WukK_2O9MO6qFUCH2LsFoBvi4rRgsE9caa_bUmjJm4- ydZpI0OetJjdADNoK7z-RBMY8zycaHj_k10Y9K9XgExX- oZkfBT3SNlSm9OSGJ_QlCuIBrbTv5gY22TVV1rnR9P27lTF5SpvnTqO4u2eCGaVZXqPv- T0T19y1kdWCFRToLkNj3bPOou04lRKhWsN9B9WWgjtGhOtN4dnTkMALPbP6SIfpTk0Dc7gJJ2Ne4rPGQ azGwpHPr_hygVtLSYe9Gn_EsVhwTBqPbuVhqisG1W7qcRSEtVi_FxpOe-12oT8gNEYFP1169hoke3g- idGAV7iSVMw7Y2uIVdo0yviLACQXmmirQQm84gF0H7mrhcpjYBl94eZJKQflMxzM0f6N98xw4F7e2Tbs j-ol4IEothqf_YKddVUTEKN2wgFcDXqorlN4NeGqurTOSAOnos-ig_Wfg=)), with over 30 years of operating history, is a commercial bank owned by Estonian capital. As of 31 December 2024, the bank's total assets amounted to nearly 2.8 billion euros, with equity close to 270 million euros. Operating in nine countries, the bank serves more than 167,000 active customers and employs over 500 people. The credit rating agency Moody's has assigned Bigbank a long-term bank deposit rating of Ba1, along with a baseline credit assessment (BCA) and an adjusted BCA of Ba2. Argo Kiltsmann Member of the Management Board Tel: +372 53 930 833 Email: [email protected] (https://www.globenewswire.com/Tracker?data=9t2HYRQWYXTWvZ- H5Tyevpeetnjnk5TVNF7uIPumynCBQhwSJgcSA5mM5IZSN7dEm- MLcVSnT99GWz8qVdNZswjXVBEVEQh0UbhIqJIonK2vULjTD9s0uSt2e3CfKqonrFP9IhmrSbAxP1qMD2 lZKqwjn- oImeOGDhLQdDLRrnAEwm2w9I8b5UAIj5cmBoC0Uk7yFM6ff9TZY8duVDJaqbOQO5w49B5Nl2gmFAQZxF 78Z2yKfT9eLlD6ioLT8anQMsA3lD6pZa4yx0wFek7u4Ne25Gq- LsXPyiouFr_6onP0zytP9axw2Z1xen3OONX72r0o_YVZ8c1_eXFtsheffoEDUiinoJiWmbg6Xnnhsfn2 kJoiiDEu0epNmwKclp0wXNPvhMgCDqtEcuDzZlK2I0NEvdFwd1ye1ozd5quKbm6H8mr49Um4Uh6532NY BPQNOXf7Nxiv8L2gemW3q0Y6JOtaeGjNj1lt9UmRlInB9e8dV8zhGEYF9ZgY04GNI10UASAjLlEMgRSP 6QrRCfawU8YuPqX2BAH_bOHH6cxwoOH5D3afXb52eDdShzYZU6fMZMHRZLJh6ngQfMYHBx3Jw5Y1Z5i3 MsjJ-rOnSSdACe6yumfCu5UFnjlX-RYO4Y78SabiYaWNJ_e1iF- 0Yomt7YRW7Uprb4d5yb14w7bYa7p47cYwtXpWJUL9kHlT9Xdp0Nq4QC3TjDDzhKXoPOvIdb205ohzLuZ LqyFGRE2LL0xGgRZxqFum_1jcAct5Z58nphIqxVP1B5163EnlZYkauGT0aMQ51FHI0ivcV9yBqyXPY4p sAeSAUzlYo6BGC6RmHI2GyJSRdZHSIe5ztdzIqFqMfP6fmiq9m1Q92I3cxPAI84uj9Vl9wLwFdjLvu1p erl_ONxWBiCU8eK6y7yH7ok- FIXhWbuJgoGrzlZQ6C7yMK0Hv8ysf9D8fk_8YdjggLviHEvyXx3VWkDrmmHEHO1SksSlUhTia_WLhtcQ mJ8Ym-pAb51IKPKbrfgZyNvQEznGi2SLkXsZThR7HMePYiwtbLfJ7- Pi1jncRps9juhT0JlGO3EfloIQA-ayLXfMtQe6GTBifyoIdErGCPIoPNgc- L4LOYmdD1xZxbBllJ5ybCpazIyO3HM4GG5pSJM3lMjSL5vIn47FvQkRg5bmvrGw5XSu_VFAkOQwMyoUm 5VJcy2g7IGhLH06OPMAgJcdDuyGIXMoT6lPUygg4fvCG2jdwx8Gxb1Vxiu1L5RdxC1eQE_hUn5w8QwZQ in_gIaElBrPTyyTlfIv4P9OTokD5djG_ESRcDGDsgiMA0OwX_se32_mZoG3OI936pAly_vi3wj4OtoK0 WEyUsm7Rd9Axx_D5EXM6pLXbzZjaJmu6n72feTNPdawvt1kgJGjUbfKZ5a_JoxPXsbLIyy0mX- ARfTTYW9a5f6XhCqti7ekq4WJ-MavhoBukMa2JndgbZvi0hqGmuSPdarYSJGMTu1- 1WjATSvRtpnsnJV6UBO3G1JzqtNKSJ4IrMhQi59wCU5loS4m1qDb3A4lzhnqCwWchhxLa2Iw3CqVsdU3 pd8wX6RxKCwR_F9uSzrBkWNQQ2cZL1UoR9xU7Mx_QqvyiH0l9lCL1V1KtQRoWPNiHN4I_DDmpLbmTEMp Y9VSntOvYfvWL6fi3k_Xwc_9qdeQepAh5MRrxnzUr3JjkQbYZ-zWGG7gjs8- vdl05tFaYF4SWdXwLk9FYtQewjuM4IKk88tFgAQYo3Kn9EBQbRVQmRzE7J0bSWE5W7zViJxSCcAZewha 8GsEP3jI7gfhCczepklBd-7v9QqvYXJW9sQ6nl6qNyJ8=) www.bigbank.ee (https://www.globenewswire.com/Tracker?data=uSLePKYGX8PQDeNheytPaBLnx1SggjbJIULY UL4pj5xqLpK1chYal_to4hEFD8Skp89iCZMYB5kj9kMwXrY6eDqKKmQhZZaZct9XDXpJykwb_fpQ5AvL qyBbcdzUTZucYePr1rZzSp1IJTGoDFKiXtYMQ7f14N5QGfOpZmX2E4F3uAUgMyvRzUzXvad_SzFELj66 2gD9UiJZ5_sKXJsmxBsSOlTcMj3Pl8jlmmz9e3fPPNxmEQGNt4vyC5NlmCm3mHA_zQoGIKJqwdewylf7 zPJTbsgQBbbFjvjziDsvLsCqf1nQ-6HDzFAPIqBjJpb4tLB4- FryuLQMVnqA5Aw1IZ9j8sGtxaW0GL1uFAh2PuHME1d3hSuJf4OB8qhtUWW_HD9e- HAceM0ouskZl0IA3aaf3rY4Kpp8dGWjXtmiraE- UFffHa1JgtoWgoZFBjPw60h0jd9fKgG3guFWrWG7TVyyHytCilgqxg7izEt78U2X4Qu5nVXDKhWJZr_T tzSmABb6twXAoRTx0wAZULrIcyz5eQ_XJyH2N68_7i26LZ4lbtZBLY9a844ZIMol4bXYeol4f3M0qe7o 5V1OcM-Qym1vGfPWDaL6O_dclV3KcrffJw0esi- InPPmFUlrWpx3VcrwZ1b4mdYPOJZaVC5uiE3KrEoOG9mD8_h7BxSncUFURoSWGSQALNI06sceNYporJ- 95KTtbM19BXCXdeOKTkwDF7sJKYnegsoQ-JaI- PjL8_1z4S8Bj_ZUgPyAlia0PmaO5BSv1ZvF1e3H88dKqtTCwSfKr- jhZ7WFLIzOyM45rQwmIaL22VvkIqVZ4vpn3ncOPAcJTRsYGw0M5QFxFkv0Bh- 8IVGp0CeZoSwFisIbS7nFSbGgCWVoN-miCYUlfpN0Y9omjk- NiweCcaGirpMAL9uRiAKsimg0Nw0gEBEymFkfqkoKbU7Vni4bubiprSc18r00uYQlrAXqOA1YN9Ph6mM 8SjJ9Ntqb1GbzLZ4NvAFotOfhxQzia6i9hcls7ar7t5ZPRg5YNrIfdFFLtwKUUxGF_0q7sVMmyOxgyVL DT1R19v-jsZoKtW6f51W9d_Bej- _Zf9zx2g3_uIfdU0RQ1KB5hMntrj_jN3oQPoZSmlokNHNyhS5UXZmVmB9EsRoKmAXjtDEy6are5gUHBS snaAPuqxQBqS39ePr2Jn6Beej8Bn07pRtFbhHwDfV3jQPx9X45AimBErpOgtJHSba6Q3YWl04ShZI0ce z0E9lkhHjNobRH0_pqs0qd_s3L_Xf8pAuAmdak1pfJYbG0idYJg78BwzFIEypyR8A1Uw7tlFFjCIRTWI QYjRyKIcIEz74pWKZlepGIBRazCKhWR_f8c5X9oSJkVbjN- Lkv9lwhGNIvDtFDNCp4lxN_K4v5AuoK7oDHzuR776Yl7ZowYBJbXv_157SeUewhv03t5r7bI4- zd0vB2PsKmuZkiCqFAnytTmwElArjF2ind_zyLQ==)