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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

18070

Submission date and time

18.12.2025 17:00:00

Content of announcement in Estonian

Title

Finantsinspektsioon kinnitas Coop Pank AS-i kapitalinõuded ja suunise senisel tasemel

Message

Finantsinspektsioon on läbi viinud iga-aastase järelvalvelise hinnangu protsessi
(SREP)  ja kinnitanud oma 18.12.2025 kirjaga Coop Pank AS-ile, et kapitalinõuded
ja  suunis jäävad  senistele tasemetele,  mis on kinnitatud Finnatsinspektsiooni
juhatuse 02.12.2024 otsusega.

Vastavalt  Finantsinspektsiooni otsusele  kehtib Coop  Pank AS-ile Pillar 2 nõue
suuruses 2,75% ja Pillar 2 suunis suuruses 1,50% kogu riskipositsioonist.

Coop Pank AS-i kapitalinõuded ja puhvrid on järgmised:

+------------------------------------------------+---------------------------+
|                                                | Kinnitatud kapitalinõuded |
+------------------------------------------------+---------------------------+
| Esimese taseme põhiomavahendite nõue (CET1) sh |                    10,55% |
+------------------------------------------------+---------------------------+
|     Baasnõue                                   |                     4,50% |
+------------------------------------------------+---------------------------+
|     Kapitali säilitamise puhver                |                     2,50% |
+------------------------------------------------+---------------------------+
|     Vastutsükliline puhver                     |                     1,50% |
+------------------------------------------------+---------------------------+
|     Süsteemselt olulise krediidiasutuse puhver |                     0,50% |
+------------------------------------------------+---------------------------+
|     Pillar 2 nõue (P2R)                        |                     1,55% |
+------------------------------------------------+---------------------------+
|                                                |                           |
+------------------------------------------------+---------------------------+
| Esimese taseme omavahendid (Tier 1) sh         |                    12,56% |
+------------------------------------------------+---------------------------+
|     Baasnõue                                   |                     6,00% |
+------------------------------------------------+---------------------------+
|     Kapitali säilitamise puhver                |                     2,50% |
+------------------------------------------------+---------------------------+
|     Vastutsükliline puhver                     |                     1,50% |
+------------------------------------------------+---------------------------+
|     Süsteemselt olulise krediidiasutuse puhver |                     0,50% |
+------------------------------------------------+---------------------------+
|     Pillar 2 nõue (P2R)                        |                     2,06% |
+------------------------------------------------+---------------------------+
|                                                |                           |
+------------------------------------------------+---------------------------+
| Kogukapitali nõue (CAD) sh                     |                    15,25% |
+------------------------------------------------+---------------------------+
|     Baasnõue                                   |                     8,00% |
+------------------------------------------------+---------------------------+
|     Kapitali säilitamise puhver                |                     2,50% |
+------------------------------------------------+---------------------------+
|     Vastutsükliline puhver                     |                     1,50% |
+------------------------------------------------+---------------------------+
|     Süsteemselt olulise krediidiasutuse puhver |                     0,50% |
+------------------------------------------------+---------------------------+
|     Pillar 2 nõue (P2R)                        |                     2,75% |
+------------------------------------------------+---------------------------+
|                                                |                           |
+------------------------------------------------+---------------------------+
| Pillar 2 suunis (P2G)                          |                     1,50% |
+------------------------------------------------+---------------------------+

Coop  Panga  finantsjuhi  Paavo  Truu  sõnul  täidab  Coop  Pank kõiki kehtivaid
kapitalinõudeid varuga ja on piisavalt kapitaliseeritud jätkuvaks kasvuks.

Eesti kapitalil põhinev Coop Pank on üks viiest Eestis tegutsevast
universaalpangast. Pangal on 225 800 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

Finantsinspektsioon confirmed the capital requirements and guidelines of Coop Pank AS at the current level

Message

Finantsinspektsioon  has carried  out annual  Supervisory Review  and Evaluation
Process  (SREP) and  confirmed in  its letter  to Coop  Pank AS  dated 18(th) of
December  2025 that the  capital requirements  and guidance  will remain  at the
current  levels, as  approved by  the decision  of the  Management Board  of the
Finantsinspektsioon on 2(nd) of December 2024.

According  to the decision  of Finantsinspektsioon, the  Pillar 2 requirement of
2.75% and the Pillar 2 guidance of 1.50% of the total risk position remain to be
valid to Coop Pank AS.

The capital requirements and buffers of Coop Pank AS are as follows:

+----------------------------------------------+-----------------------------+
|                                              |Affirmed capital requirements|
+----------------------------------------------+-----------------------------+
|Common Equity Tier 1 capital (CET1)           |                       10,55%|
+----------------------------------------------+-----------------------------+
|   Base requirement                           |                        4,50%|
+----------------------------------------------+-----------------------------+
|   Capital conservation buffer                |                        2,50%|
+----------------------------------------------+-----------------------------+
|   Countercyclical buffer                     |                        1,50%|
+----------------------------------------------+-----------------------------+
|   Systematically important institution buffer|                        0,50%|
+----------------------------------------------+-----------------------------+
|   Pillar 2 requirement (P2R)                 |                        1,55%|
+----------------------------------------------+-----------------------------+
|                                              |                             |
+----------------------------------------------+-----------------------------+
|Tier 1 capital                                |                       12,56%|
+----------------------------------------------+-----------------------------+
|   Base requirement                           |                        6,00%|
+----------------------------------------------+-----------------------------+
|   Capital conservation buffer                |                        2,50%|
+----------------------------------------------+-----------------------------+
|   Countercyclical buffer                     |                        1,50%|
+----------------------------------------------+-----------------------------+
|   Systematically important institution buffer|                        0,50%|
+----------------------------------------------+-----------------------------+
|   Pillar 2 requirement (P2R)                 |                        2,06%|
+----------------------------------------------+-----------------------------+
|                                              |                             |
+----------------------------------------------+-----------------------------+
|Total capital adequacy (CAD)                  |                       15,25%|
+----------------------------------------------+-----------------------------+
|   Base requirement                           |                        8,00%|
+----------------------------------------------+-----------------------------+
|   Capital conservation buffer                |                        2,50%|
+----------------------------------------------+-----------------------------+
|   Countercyclical buffer                     |                        1,50%|
+----------------------------------------------+-----------------------------+
|   Systematically important institution buffer|                        0,50%|
+----------------------------------------------+-----------------------------+
|   Pillar 2 requirement (P2R)                 |                        2,75%|
+----------------------------------------------+-----------------------------+
|                                              |                             |
+----------------------------------------------+-----------------------------+
|Pillar 2 guidance (P2G)                       |                        1,50%|
+----------------------------------------------+-----------------------------+


According to Paavo Truu, CFO of Coop Pank, Coop Pank fulfills all applicable
capital requirements with a margin and is sufficiently capitalized for continued
growth.

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 225,800. 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: 5160 231
E-mail: [email protected] (mailto:[email protected])