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
Other corporate action
Unique data record identifier
18713
Submission date and time
11.06.2026 08:00:00
Content of announcement in Estonian
Title
Bigbank AS 2026. aasta mai tulemused
Message
2026. aasta mai oli Bigbanki jaoks tugevate tulemustega kuu. Laenu- ja
hoiuseportfelli kasvutempod püsisid kõrgel tasemel, kuine kasum ületas taas 4
miljoni euro piiri ning olulise verstapostina avati arvelduskontod Läti
äriklientidele. Nüüdsest on arvelduskontode kasutamine võimalik kõikidele Balti
riikide eraklientidele ning Eesti ja Läti äriklientidele.
Laenuportfell kasvas kuuga 50 miljoni euro võrra. Ärilaenuportfell suurenes 32
miljoni euro võrra, kodulaenuportfell 13 miljoni euro võrra ning tarbimislaenude
portfell 5 miljoni euro võrra.
Hoiuseportfell kasvas mais 64 miljoni euro võrra, millest suurima kasvu andis
tähtajaliste hoiuste portfell, suurenedes 55 miljoni euro võrra. Positiivse
arenguna kasvas kiirenevas tempos Bigbankis arveldavate klientide arv ning
sellega koos ka arvelduskontode jääk. Arvelduskontode jääk suurenes mai jooksul
10 miljoni euro võrra. Mai lõpu seisuga püsis säästuhoiuste portfelli maht
aprilli lõpu taseme lähedal.
Kasvav laenuportfell oli peamine netointressitulude kasvu allikas. Viimastel
kuudel ligikaudu 2,5% tasemel püsinud 6 kuu euribor ei avaldanud
intressituludele veel olulist mõju, kuid edaspidi hakkab kõrgem intressikeskkond
üha enam mõjutama nii intressitulusid kui ka -kulusid. Netointressitulud
kasvasid võrreldes eelmise aastaga viie kuu arvestuses 7,0 miljoni euro võrra.
Laenuportfelli krediidikvaliteet püsis tugev. Vaatamata laenuportfelli
märkimisväärsele kasvule vähenes eeldatava krediidikahju netokulu ning eraldiste
kulu võrreldes eelmise aasta esimese viie kuuga kokku 3,3 miljoni euro võrra ehk
49%. Mittetöötavate nõuete (3. etapp) osakaal paranes veelgi, langedes eelmise
paari kuu 4,3% tasemelt 4,2%?ni kõikidest laenunõuetest.
Bigbanki meeskonnas töötas mai lõpu seisuga 682 inimest. Meeskonna laienemine ja
palgakasv tõid viie esimese kuu võrdluses eelmise aasta sama perioodiga kaasa
3,8 miljoni euro suuruse palgakulude kasvu. Halduskulud kasvasid samas võrdluses
1,3 miljoni euro võrra.
Mai puhaskasum oli 4,1 miljonit eurot. Ärimahtude kasvust tulenev
netointressitulude suurenemine ning laenuportfelli hea kvaliteedi tõttu
vähenenud eeldatavad krediidikahjud mõjutasid kasumit positiivsemalt kui
kasvanud palga- ja halduskulud. Vaatamata sellele vähenes grupi puhaskasum viie
esimese kuu kokkuvõttes võrreldes 2025. aasta sama perioodiga 0,6 miljoni euro
võrra. Peamiseks põhjuseks oli esimeses kvartalis kajastatud põllumajandusmaade
allahindlus summas 2,6 miljonit eurot. Ilma nimetatud allahindluseta oleks viie
esimese kuu puhaskasum kasvanud 2,0 miljoni euro võrra.
Bigbanki 2026. aasta mai majandustulemused:
* Klientide hoiused ja saadud laenud kasvasid aastaga 571 miljoni euro võrra,
ulatudes 3,1 miljardi euroni (+22%).
* Nõuded klientidele suurenesid aastaga 537 miljoni euro võrra, jõudes 3,0
miljardi euroni (+22%).
* Netointressitulud olid mais 10,5 miljonit eurot ning viie esimese kuu
kokkuvõttes 49,8 miljonit eurot. Võrreldes eelmise aasta sama perioodiga
suurenesid netointressitulud 7,0 miljoni euro võrra (+16%).
* Eeldatava krediidikahju netokulu ja eraldiste kulu olid viie esimese kuu
jooksul 3,4 miljonit eurot. Võrreldes eelmise aasta sama perioodiga
vähenesid need kulud 3,3 miljoni euro võrra (-49%).
* Mai puhaskasum oli 4,1 miljonit eurot. Viie esimese kuu puhaskasum kokku
moodustas 15,7 miljonit eurot, vähenedes võrreldes 2025. aasta sama
perioodiga 0,6 miljoni euro võrra (-4%).
* Omakapitali tootlus oli mais 15,9%.
Kasumiaruanne, tuhandetes
eurodes Mai 2026 5 kuud 2026 5 kuud 2025 Erinevus YoY
-------------------------------------------------------------------------------
Neto tegevustulud kokku, sh 11 068 52 548 47 716 4 832 +10%
Netointressitulu 10 464 49 816 42 785 7 031 +16%
Neto teenustasud 652 3 998 4 197 -198 -5%
Tegevuskulud kokku, sh -5 795 -29 104 -20 862 -8 241 +40%
Palgakulud -3 355 -16 569 -12 742 -3 827 +30%
Halduskulud -1 612 -5 883 -4 569 -1 314 +29%
Kasum enne allahindluste kulu 5 273 23 444 26 853 -3 409 -13%
Eeldatava krediidikahju
netokulu ja eraldiste kulu -219 -3 416 -6 679 3 264 -49%
Tulumaks -1 005 -4 315 -3 882 -433 +11%
-------------------------------------------------------------------------------
Aruandeperioodi kasum 4 050 15 713 16 292 -579 -4%
-------------------------------------------------------------------------------
Ärimahud, tuhandetes eurodes Mai 2026 5 kuud 2026 5 kuud 2025 Erinevus YoY
-------------------------------------------------------------------------------
Klientide hoiused ja saadud
laenud 3 145 546 3 145 546 2 574 153 571 393 +22%
Nõuded klientidele 2 950 903 2 950 903 2 413 543 537 360 +22%
Võtmenäitajad Mai 2026 5 kuud 2026 5 kuud 2025 Erinevus YoY
-------------------------------------------------------------------------------
ROE 15,9% 12,4% 14,3% -1,9pp
Kulu/ tulu suhe (C/I) 52,4% 55,4% 43,7% +11,7pp
Soovitusindeks (NPS) 57 58 58 +0
Rohkem kui 30-aastase tegevusajalooga Bigbank AS (www.bigbank.ee
(https://www.globenewswire.com/Tracker?data=FaBrrlwxMqGO4FmIUVGvAbGahftmZFZfWMmo
NYGRyNHoJj0S_a5wyaWH7rvPoN5XtnLg3eWqhGKLycgvnCD5rZsWXCIXFO62lPRt3IGdWV484EFGB0ug
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WZE2Qopc0QMxUVIYXvZQLugRwoOaLbtWzf_VM6LQsEVona9xHyk6I4vGZOHVg6Q80McppQkc=)) on
Eesti kapitalile kuuluv kommertspank. 31.05.2026 seisuga oli panga bilansimaht
kokku 3,6 miljardit eurot ning omakapital 307 miljonit eurot. Üheksas riigis
tegutseval pangal on kokku üle 202 000 aktiivse kliendi ning üle 650 töötaja.
Reitinguagentuur Moody's on väljastanud Bigbankile pikaajalise pangahoiuste
reitingu tasemel Ba1 ning baaskrediidihinnangu (BCA) ja kohandatud BCA tasemel
Ba2.
Argo Kiltsmann
Juhatuse liige
Telefon: +372 5393 0833
E-mail: [email protected] (mailto:[email protected])
www.bigbank.ee (http://www.bigbank.ee)
Content of announcement in English
Title
Bigbank AS Results for May 2026
Message
May 2026 was a month of strong performance for Bigbank. Growth in both the loan
and deposit portfolios remained at a high level, monthly profit once again
exceeded 4 million euros, and, as an important milestone, current accounts were
introduced for business customers in Latvia. From now on, current accounts are
available to retail customers in all Baltic countries as well as to business
customers in Estonia and Latvia.
The loan portfolio increased by 50 million euros during the month. Growth was
driven by the business loan portfolio, which grew by 32 million euros, the home
loan portfolio, which increased by 13 million euros, and the consumer loan
portfolio, which grew by 5 million euros.
The deposit portfolio grew by 64 million euros in May. Growth was mainly driven
by term deposits, which increased by 55 million euros. As a positive
development, the number of customers actively using Bigbank for daily banking
continued to grow at an accelerating pace, alongside an increase in current
account balances. Current account balances grew by 10 million euros during the
month. As of the end of May, the volume of the savings deposit portfolio
remained close to the level recorded at the end of April.
The expanding loan portfolio was the main driver of net interest income growth.
Although the 6?month Euribor, which has remained at approximately 2.5% in recent
months, has not yet had a significant impact on interest income - a higher
interest rate environment will increasingly affect both interest income and
interest expenses over time. Compared to the same period last year, net interest
income increased by 7.0 million euros over the first five months of the year.
The credit quality of the loan portfolio remained strong. Despite the
significant growth in the loan portfolio, the total expense on the net allowance
for expected credit losses and provisions decreased by 3.3 million euros (-49%)
compared to the first five months of the previous year. The share of
non?performing loans (Stage 3) improved further, declining from 4.3% in recent
months to 4.2% of total loan receivables.
Bigbank employed 682 people at the end of May. Team expansion and salary growth
resulted in a 3.8?million?euro increase in personnel expenses in the first five
months of the year compared to the same period last year. Administrative
expenses increased by 1.3 million euros over the same period.
Net profit for May amounted to 4.1 million euros. The increase in net interest
income driven by business growth, together with the decline in expected credit
loss expenses resulting from the strong quality of the loan portfolio, had a
more positive impact on profitability than the increase in personnel and
administrative expenses. Nevertheless, net profit for the Group for the first
five months of the year declined by 0.6 million euros compared to the same
period in 2025. This decrease was primarily due to a 2.6?million?euro impairment
of the Group's agricultural land recognised in the first quarter. Excluding this
impairment, net profit for the first five months would have increased by 2.0
million euros.
Bigbank's key financial indicators for May 2026:
* Customer deposits and loans received increased by 571 million euros
year?on?year, reaching 3.1 billion euros (+22%).
* Loans to customers grew by 537 million euros year?on?year, reaching 3.0
billion euros (+22%).
* Net interest income amounted to 10.5 million euros in May and 49.8 million
euros for the first five months of the year. Compared to the same period
last year, net interest income increased by 7.0 million euros (+16%).
* The net allowance for expected credit losses and provisions totalled 3.4
million euros for the first five months, 3.3 million euros less than a year
earlier (-49%).
* Net profit for May was 4.1 million euros. Net profit for the first five
months amounted to 15.7 million euros, declining by 0.6 million euros
compared to the same period in 2025 (-4%).
* Return on equity (ROE) for May was 15.9%.
Income statement, in thousands of Difference
euros May 2026 YTD26 YTD25 YoY
-------------------------------------------------------------------------------
Total net operating income, incl. 11,068 52,548 47,716 4,832 +10%
Net interest income 10,464 49,816 42,785 7,031 +16%
Net fee and commission income 652 3,998 4,197 -198 -5%
Total expenses, incl. -5,795 -29,104 -20,862 -8,241 +40%
Salaries and associated charges -3,355 -16,569 -12,742 -3,827 +30%
Administrative expenses -1,612 -5,883 -4,569 -1,314 +29%
Profit before loss allowances 5,273 23,444 26,853 -3,409 -13%
Net allowance for expected credit
losses and provision expenses -219 -3,416 -6,679 3,264 -49%
Income tax expense -1,005 -4,315 -3,882 -433 +11%
-------------------------------------------------------------------------------
Profit for the period 4,050 15,713 16,292 -579 -4%
-------------------------------------------------------------------------------
Business volumes, in thousands of Difference
euros May 2026 YTD26 YTD25 YoY
-------------------------------------------------------------------------------
Customer deposits and loans
received 3,145,546 3,145,546 2,574,153 571,393 +22%
Loans to customers 2,950,903 2,950,903 2,413,543 537,360 +22%
Key figures Difference
May 2026 YTD26 YTD25 YoY
-------------------------------------------------------------------------------
ROE 15.9% 12.4% 14.3% -1.9pp
Cost / income ratio (C/I) 52.4% 55.4% 43.7% +11.7pp
Net promoter score (NPS) 57 58 58 +0
Bigbank AS (www.bigbank.eu
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3mg_uTG9aSZ5YKC_5FzKDelHQYFa2sBK5g6x3iFG7_loDw0hIqyBQ==)), with over 30 years of
operating history, is a commercial bank owned by Estonian capital. As of
31 May 2026, the bank's total assets amounted to 3.6 billion euros, with equity
of 307 million euros. Operating in nine countries, the bank serves over 202,000
active customers and employs more than 650 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
Telephone: +372 5393 0833
Email: [email protected]
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www.bigbank.ee
(https://www.globenewswire.com/Tracker?data=bhw_aFZiGBbL1c4lRnP56uXP_98mTtcScsUL
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