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
17743
Attachments
Submission date and time
10.09.2025 08:00:31
Content of announcement in Estonian
Title
Coop Pank AS 2025. aasta augusti tulemused
Message
Coop Panga 2025. aasta augustikuu majandustulemused:
* Panga klientide arv kasvas augusti 1700 võrra ja aktiivselt arveldavate
klientide arv kahanes 300 võrra. Kuu lõpuks ulatus klientide arv 221 000-ni
ja aktiivselt arveldavate klientide arv 103 800-ni. Aastaga on kliendibaas
kasvanud 11%.
* Panga klientide hoiuste maht vähenes augustis 4 miljoni euro võrra ulatudes
kuu lõpu seisuga 1,92 miljardi euroni. Äriklientide hoiused vähenesid 6
miljoni euro võrra ja eraklientide hoiused kasvasid 6 miljoni euro võrra.
Rahvusvahelistelt platvormidelt kaasatud hoiuste maht kahanes 4 miljoni euro
võrra. Aastaga on panga hoiuste maht kasvanud 86 miljoni euro võrra ehk 5%.
* Panga laenuportfell kasvas augustis 14 miljoni euro võrra ulatudes kuu lõpu
seisuga 1,98 miljardi euroni. Ärilaenud kasvasid 6 miljonit eurot ja
kodulaenud kasvasid 8 miljonit eurot. Tarbimisfinantseerimise portfell
kasvas 1 miljoni euro võrra ja liisinguportfell kahanes 1 miljoni euro
võrra. Aastaga on panga laenuportfell kasvanud 335 miljonit eurot ehk 20%.
* Augustis tehti laenude allahindluseid 0,1 miljoni euro ulatuses.
* Võrreldes möödunud aasta kaheksa esimese kuuga on käesoleval aastal sama
ajaga panga netotulud kahanenud 6% ja tegevuskulud kasvanud 1%.
* Pank teenis augustis 2,4 miljonit eurot puhaskasumit. Aasta kaheksa esimese
kuuga on pank teeninud kokku 19,4 miljonit eurot puhaskasumit, mida on 16%
vähem kui aasta tagasi samal perioodil.
* Panga omakapitali tootlus oli augustis 12,7% ja kulu-tulu suhe 55%.
Coop Panga juhatuse esimehe Arko Kurtmanni kommentaar:
?Coop Pank kordas augustis juulikuu korralikku kasuminumbrit, milleks oli 2,4
miljonit eurot. Majandustulemused kinnitavad, et panga kulud on kontrolli all ja
pank liigub stabiilses kasvutempos, mida toetab ärimahtude järjepidev
suurenemine.
Panga laenuportfell kasvas augustis ligi 14 miljonit eurot, millest 8 miljonit
moodustasid kodulaenud ja 6 miljonit ärilaenud. Aastaga on panga laenuportfell
kasvanud 335 miljonit eurot ehk 20%.
Viimastel aastatel ulatuslikult liikunud euribor on tänavu kevadest saadik olnud
üsna stabiilne ja püsinud vahemikus 2,05-2,10%. Seega mõjutab euribori langus
panga intressitulusid üha väiksemal määral ning laenuportfelli kasv suudab seda
kompenseerida ja isegi ületada.
Eraklientide hoiuste maht kasvas augustis 6 miljoni euro võrra ja äriklientide
hoiuste maht kahanes 6 miljoni euro võrra. Aastaga on panga hoiuste maht
kasvanud 86 miljoni euro võrra ehk 5%.
Augustis liitus pangaga 1700 uut klienti, aastaga on kliendibaas kasvanud 11%.
Alates juunist pakume oma eraklientidele võimalust liituda Eesti suurima
ostupreemia programmiga - kui meie Kasuliku paketiga liitunud erakliendid
maksavad Coopi kaupluses Coop Panga deebetkaardiga, kanname neile ostusummast
arveluskontole tagasi 1%. Kolme esimese kuuga on ostupreemiat kasutama hakanud
58% meie aktiivsetest klientidest ja oleme nende arvelduskontodele tagasi
maksnud 78 000 eurot. Kui arvestada juurde ka Coopi kaupluste boonuspunktid,
teenivad panga ja Coopi kaupluste ühised kliendid kuni 3% lisasoodustusi."
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 221 000 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 August 2025
Message
Coop Pank's financial results in August 2025:
* In August, number of the bank's clients increased by 1,700 and number of
active clients decreased by 300. By the end of the month number of clients
reached 221,000 and number of active clients reached 103,800. Over the year,
customer base has grown by 11%.
* Volume of the bank's customer deposits decreased by 4 million euros and
reached 1.92 billion euros by the end of month. Deposits of corporate
customers decreased by 6 million euros and deposits of private customers
increased by 6 million euros. The volume of deposits attracted from
international platforms decreased by 4 million euros. Over the year, volume
of bank deposits has grown by 86 million euros, i.e. 5%.
* The bank's loan portfolio increased by 14 million euros and reached 1.98
billion euros by the end of month. Business loans increased by 6 million
euros and home loans increased by 8 million euros. Consumer financing
portfolios increased by 1 million euros and leasing portfolio decreased by
1 million euros. Over the year, loan portfolio has grown by 335 million
euros, i.e. 20%.
* In August, the loan impairment cost was 0.1 million euros.
* Compared to the first eight months of last year, the bank's net income
decreased by 6% and operating expenses increased by 1%.
* In August, the bank earned net profit of 2.4 million euros. In the first
eight months of the year, the bank has earned a net profit of 19.4 million
euros, that is 16% less than in the same period last year.
* In August, Coop Pank's return on equity was 12.7% and the cost-income ratio
was 55%.
Comment by Arko Kurtmann, Chairman of the Management Board of Coop Pank:
" In August, Coop Pank repeated the solid profit figure from July, which was
2.4 million euros. The financial results confirm that the bank's costs are under
control and that the bank is moving at a stable growth pace, supported by the
consistent increase in business volumes.
The bank's loan portfolio increased by nearly 14 million euros in August, of
which 8 million were home loans and 6 million business loans. Over the year, the
bank's loan portfolio has increased by 335 million euros, or 20%.
In recent years, euribor has moved extensively, but since this spring it has
been quite stable and remained in the range of 2.05-2.10%. Therefore, the impact
of the euribor decrease on the bank's interest income is becoming smaller, and
the growth of the loan portfolio is able to compensate for and even exceed it.
The volume of private customer deposits increased by 6 million euros in August,
and the volume of business customer deposits decreased by 6 million euros. Over
the year, the bank's deposit volume has grown by 86 million euros, or 5%.
In August, 1,700 new customers joined the bank, and over the year the customer
base has grown by 11%. Since June, we have been offering our private customers
the opportunity to join Estonia's largest cashback program - when private
customers who have joined our Kasulik package pay in Coop stores with a Coop
Pank debit card, we refund 1% of the purchase amount to their account. In the
first three months, 58% of our active customers have started using the cashback,
and we have refunded 78,000 euros to their accounts.
If also take into account Coop store bonus points, the joint customers of the
bank and Coop stores earn up to 3% in additional benefits."
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 221,000. 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])