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
17480
Attachments
Submission date and time
11.06.2025 08:00:01
Content of announcement in Estonian
Title
Coop Pank AS 2025. aasta mai tulemused
Message
Coop Panga 2025. aasta maikuu majandustulemused:
* Panga klientide arv kasvas mais 1500 võrra ja aktiivselt arveldavate
klientide arv kasvas 800 võrra. Kuu lõpuks ulatus klientide arv 216 000-ni
ja aktiivselt arveldavate klientide arv 102 400-ni. Aastaga on kliendibaas
kasvanud 11%.
* Panga klientide hoiuste maht vähenes mais 47 miljoni euro võrra. Hoiuste
mahu vähendamine oli teadlik samm, sest märtsis kaasati pandikirjade
emissiooni käigus 250 miljonit eurot täiendavaid vahendeid. Panga hoiuste
maht ulatus kuu lõpu seisuga 1,76 miljardi euroni. Äriklientide hoiused
vähenesid 11 miljoni euro võrra ja eraklientide hoiused vähenesid 2 miljoni
euro võrra. Rahvusvahelistelt platvormidelt kaasatud hoiuste maht vähenes
34 miljoni euro võrra. Aastaga on panga hoiuste maht kasvanud 1%.
* Panga laenuportfell kasvas mais 29 miljoni euro võrra ulatudes kuu lõpu
seisuga 1,90 miljardi euroni. Ärilaenud kasvasid 14 miljonit eurot ja
kodulaenud kasvasid 13 miljonit eurot. Liisingu ja tarbimisfinantseerimine
portfellid kasvasid mõlemad 1 miljon eurot. Aastaga on panga laenuportfell
kasvanud 19%.
* Mais tehti laenude allahindluseid 0,4 miljoni euro ulatuses.
* Võrreldes möödunud aasta viie esimese kuuga on käesoleval aastal sama ajaga
panga netotulud kahanenud 5% ja tegevuskulud kasvanud 1%.
* Pank teenis mais 2,4 miljonit eurot puhaskasumit. Aasta viie esimese kuuga
on pank teeninud kokku 12,1 miljonit eurot puhaskasumit, mida on 17% vähem
kui aasta tagasi samal perioodil.
* Panga omakapitali tootlus oli mais 13,1% ja kulu-tulu suhe 50%.
Coop Panga juhatuse liikme ja finantsjuhi Paavo Truu kommentaar:
?Majanduses on jätkuvalt palju teadmatust tuleviku osas, kuid inflatsiooni
raugemine eurotsoonis ja rahaturgude langevad intressid aitavad tõsta
ettevõtjate ja tarbijate kindlustunnet. Madalam laenukoormus, paremad võimalused
investeeringuteks ja Coop Panga konkurentsivõimeline pakkumine päädisid mais
laenuportfelli korraliku kasvuga.
Samas jätkus hoiuste teadlik välja juhtimine, mis tuleneb märtsis tehtud edukast
pandikirjade emissioonist. Selle tulemusena on pangal kasutada pikaajaline
stabiiline rahastusallikas, mis võimaldab mõnevõrra vähendada kallimate
tähtajaliste hoiuste ja välishoiuste mahtu.
Mais laiendas Coop Pank edukaks osutunud Õpetaja kodulaenu toote sihtrühma
lasteaia ja üldhariduskooli õpetajatelt ka ameti- ja kutsekoolide õpetajale.
Kantar Emor uuringute tulemused näitavad, et Coop Pank on enim soovitatud pank
Eestis ja tõusis mainekate tööandjate edetabelis 10. kohale. Kestliku
Ettevõtluse Liidu KELL välja antavas Vastutustundliku ettevõtluse indeksis
saavutas Coop Pank esmakordselt kuldmärgise.
Kuu vahetusega jõudis Coop Panga koostöö Coop kaubandusega uuele tasemele:
ühistele klientidele hakati pakkuma atraktiivset ja unikaalset ostupreemiat,
millega pank kannab inimeste pangakontole tagasi raha ostudelt, mis on tehtud
Coopi kauplustes Coop Panga deebetkaardiga. Tegemist on Eestis esimese nii
suuremahulise cashback tüüpi lojaalsusprogrammiga, kus klientidele makstakse
igal kuul 1% nende eelmise kuu ostude summast rahana tagasi.
Tugev kasvutempo nii laenu- kui ka igapäevapanganduse turul ja efektiivne
tegutsemine tõi mais Coop Pangale 2,4 miljonit eurot puhaskasumit. Panga
omakapitali tootlus oli 13,1% ja kulu-tulu suhe 50%."
Coop Panga põhjalikumad finantsaruanded on leitavad aadressil:
https://www.cooppank.ee/finantsaruanded
Eesti kapitalil põhinev Coop Pank on üks viiest Eestis tegutsevast
universaalpangast. Pangal on 216 000 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 May 2025
Message
Coop Pank's financial results in May 2025:
* In May, number of the bank's clients increased by 1,500 and number of active
clients decreased by 800. By the end of the month number of clients reached
216,00 and number of active clients reached 102,400. Over the year, customer
base has grown by 11%.
* Volume of the bank's customer deposits decreased by 47 million euros in May.
The reduction in deposit volume was a deliberate step, as an additional 250
million euros was raised in March through the issuance of covered bonds. By
the end of the month, the bank's deposits reached 1.76 billion euros.
Deposits of corporate customers decreased by 11 million euros and deposits
of private customers decreased by 2 million euros. The volume of deposits
attracted from international platforms decreased by 34 million euros. Over
the year, volume of bank deposits has grown by 1%.
* The bank's loan portfolio increased by 29 million euros and reached 1.90
billion euros by the end of month. Business loans increased by 14 million
euros and home loans increased by 13 million euros. Leasing and consumer
financing portfolios both increased by 1 million euros. Over the year, loan
portfolio has grown by 19%.
* In May, the loan impairment cost was 0.4 million euros.
* Compared to the first five months of last year, the bank's net income
decreased by 5% and expenses have increased by 1%.
* In May, the bank earned net profit of 2.4 million euros. In the first five
months of the year, the bank has earned a net profit of 12.1 million euros,
that is 17% less than in the same period last year.
* In May, Coop Pank's return on equity was 13.1% and the cost-income ratio was
50%.
Comment by Paavo Truu, Member of the Management Board and CFO of Coop Pank:
"Although economic uncertainty remains high, the easing of inflation in the
eurozone and declining interest rates in money markets are helping to improve
the confidence of both businesses and consumers. Lower loan burdens, better
opportunities for investment, and Coop Pank's competitive offering resulted in
solid growth of the loan portfolio in May.
At the same time, the deliberate reduction of deposits continued, driven by the
successful covered bond issuance carried out in March. As a result, the bank now
has access to a long-term and stable funding source, which enables a moderate
decrease in the volume of more expensive term and foreign deposits.
In May, Coop Pank extended its successful Teacher's Home Loan product from
kindergarten and general education school teachers to include vocational school
teachers as well. According to Kantar Emor survey results, Coop Pank is the most
recommended bank in Estonia and has reached 10th place in the ranking of
reputable employers. In the Responsible Business Index issued by the Kestliku
Ettevõtluse Liit KELL, Coop Pank, for the first time, earned the gold-level
recognition.
At the turn of the month, Coop Pank's cooperation with Coop retail reached a new
level: joint customers were offered an attractive and unique purchase reward,
with the bank transferring money back to their account for purchases made in
Coop stores using a Coop Pank debit card. This is the first large-scale
cashback-type loyalty program in Estonia, in which customers receive 1% of their
previous month's purchase amount back in cash each month.
Strong growth in both the loan and everyday banking markets, along with
efficient operations, brought Coop Pank a net profit of 2.4 million euros in
May. The bank's return on equity was 13.1% and the cost-to-income ratio stood at
50%."
More detailed financial 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 216,000. 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])