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
Does the information contain personal data?
Yes
Is the data provided voluntary or not?
No
Original language of the information to be provided
Estonian
Is information covering a period?
Yes
The start date to which the information relates
01.07.2026
The end date to which the information relates
31.07.2026
Version
1
Unique data record identifier
18875
Submission date and time
12.08.2026 08:00:00
Content of announcement in Estonian
Title
Coop Pank AS 2026. aasta juuli konsolideeritud tulemused
Message
Coop Panga 2026. aasta juuli majandustulemused:
- Panga klientide arv kasvas juulis 1 400 võrra ja aktiivselt arveldavate klientide arv kasvas 200 võrra. Kuu lõpuks ulatus klientide arv 237 600-ni ja aktiivselt arveldavate klientide arv 112 200-ni. Aastaga on kliendibaas kasvanud 8%.
- Panga klientide hoiuste maht kasvas juulis 42 miljoni euro võrra, ulatudes kuu lõpu seisuga 2,54 miljardi euroni. Äriklientide hoiused kasvasid 50 miljoni euro võrra ja eraklientide hoiused kasvasid 9 miljoni euro võrra. Rahvusvahelistelt platvormidelt kaasatud hoiuste maht kahanes 17 miljoni euro võrra. Aastaga on panga hoiuste maht kasvanud 16%.
- Panga laenuportfell kasvas juulis 19 miljoni euro võrra ja jõudis kuu lõpu seisuga 2,25 miljardi euroni. Kodulaenude portfell kasvas 12 miljonit eurot, ärilaenude portfell kasvas 4 miljonit eurot. Liisinguportfell kasvas 1 miljoni ja tarbimisfinantseerimise portfell 2 miljoni euro võrra. Aastaga on panga laenuportfell kasvanud 15%.
- Juulis tehti laenude allahindluseid 56 000 euro ulatuses.
- Võrreldes möödunud aasta seitsme kuuga on käesoleval aastal sama ajaga panga netotulud kasvanud 13% ja tegevuskulud kasvanud 14%.
- Pank teenis juulis 3 miljonit eurot puhaskasumit. Seitsme kuuga on pank teeninud kokku 19,6 miljonit eurot puhaskasumit, mida on 15% rohkem kui aasta tagasi samal perioodil.
- Panga omakapitali tootlus oli juulis 14,5%, kulu-tulu suhe 53%.
Coop Panga finantsjuhi Paavo Truu kommentaar:
„Coop Panga ärimahud ja kasum on tänavu järjepidevalt kasvanud. Sama suund jätkus juulis, mil teenisime kolm miljonit eurot puhaskasumit. Panga seitsme kuu kasum kokku on 15% suurem kui eelmise aasta samal perioodil.
Koos ärimahtude kasvuga suureneb Coop Panga panus Eesti majandusse, mis pärast pikemat nõrka perioodi näitab tänavu suvel taas paranemise märke ka makronumbrites. Juunis tugevnes Coop Panga kapitalipositsioon tänu Euroopa Investeerimispanga Grupiga (EIB Grupp) sõlmitud väärtpaberistamise kokkulepetele, mis vabastasid kapitali täiendava laenukasvu toetamiseks. See suurendab meie võimekust väljastada uusi laene ajal, mil nõudlus rahastuse järele suureneb koos majanduse taastumisega.
Koostöös EIB Grupiga tõime turule ka kaks uut laenutoodet. Naisettevõtja laen on mõeldud naiste juhitud või naisomanikele kuuluvatele ettevõtetele ning ettevõtte energiatõhususe laen aitab rahastada keskkonna- ja energiatõhususe projekte. Tänu EIB Grupi toele saame mõlemat laenu pakkuda tavapärasest soodsamatel tingimustel.“
Coop Panga kuu- ja kvartaliaruanded on leitavad aadressil https://www.cooppank.ee/finantsaruanded
Eesti kapitalil põhinev Coop Pank on üks viiest Eestis tegutsevast universaalpangast. Pangal on 237 600 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]
Attachments
Content of announcement in English
Title
Coop Pank AS consolidated results in July 2026
Message
Coop Pank’s financial results in July 2026:
- In July, the number of the bank's clients increased by 1,400 and the number of active clients increased by 200. By the end of the month, the number of clients reached 237,600 and the number of active clients reached 112,200. Over the year, the customer base has grown by 8%.
- The volume of the bank's customer deposits increased by 42 million euros in July, reaching 2.54 billion euros by the end of the month. Deposits from corporate customers increased by 50 million euros and deposits from private customers increased by 9 million euros. The volume of deposits attracted from international platforms decreased by 17 million euros. Over the year, the volume of the bank’s deposits increased by 16%.
- The bank's loan portfolio increased by 19 million euros over the month and reached 2.25 billion euros by the end of July. The home loan portfolio increased by 12 million euros, the corporate loan portfolio by 4 million euros, the leasing portfolio by 1 million euros, and the consumer finance portfolio by 2 million euros. Over the year, the bank’s loan portfolio has increased by 15%.
- In July, the loan impairment cost was 56,000 euros.
- Compared with the first seven months of last year, the bank's net income increased by 13% and expenses increased by 14% during the same period this year.
- The bank earned a net profit of 3 million euros in July. During the first seven months of the year, the bank generated a net profit of 19.6 million euros, representing an increase of 15% compared with the same period last year.
- In July, Coop Pank's return on equity was 14.5% and the cost-income ratio was 53%.
Comment by Paavo Truu, CFO of Coop Pank:
“Coop Pank’s business volumes and profit have grown consistently this year. The same trend continued in July, when we earned a net profit of €3 million. The Bank’s total profit for the first seven months of the year is 15% higher than in the same period last year.
Along with the growth in business volumes, Coop Pank’s contribution to the Estonian economy is increasing. After a prolonged period of weakness, the Estonian economy is showing signs of improvement again this summer, also in the macroeconomic indicators. In June, Coop Pank’s capital position strengthened as a result of the securitisation agreements concluded with the European Investment Bank Group (EIB Group), which released capital to support additional lending growth. This increases our capacity to issue new loans at a time when demand for financing is growing alongside the economic recovery.
In cooperation with the EIB Group, we also launched two new loan products. The Loan for Female Entrepreneurs is intended for businesses led or owned by women, while the Energy Efficiency Loan helps finance environmental and energy-efficiency projects. Thanks to the support of the EIB Group, we are able to offer both loans on more favourable terms than usual.”
Monthly and quarterly 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 237,600. 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]