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
Management interim statement or quarterly financial report
Does the information contain personal data?
No
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
30.09.2026
Version
1
Unique data record identifier
19108
Submission date and time
22.10.2026 09:00:00
Content of announcement in Estonian
Title
Bigbanki 2026. aasta kolmanda kvartali majandustulemused
Message
Bigbanki nõuded klientidele kasvasid kolmanda kvartali lõpuks rekordilise 3,3 miljardi euroni, suurenedes kvartaliga 271 miljoni euro võrra (+9%) ja aastaga 688 miljoni euro võrra (+27%). Eelmise kvartali lõpuga võrreldes kasvas ärilaenude portfell 201 miljoni euro võrra (+16%) 1,4 miljardi euroni, kodulaenude portfell 47 miljoni euro võrra (+5%) 933 miljoni euroni ja tarbimislaenude portfell 22 miljoni euro võrra (+3%) 881 miljoni euroni.
Grupi hoiuseportfell kokku kasvas kvartaliga 332 miljoni euro võrra (+10%) ja aastaga 795 miljoni euro võrra (+29%) 3,5 miljardi euroni. Suurim kasv oli säästuhoiuse portfellis, mis kasvas 1,8 miljardi euroni (kvartaalne kasv 253 miljonit eurot ehk 17%). Tähtajalise hoiuse portfell kasvas kvartaliga 39 miljonit eurot (+2%) ja jõudis 1,65 miljardi euro tasemeni.
Arvelduskontod kasvasid taas jõudsas tempos, isegi kiiremini kui tähtajalised hoiused. Kvartalikasv oli 41 miljonit eurot (+59%) ja perioodi lõpuks ulatus maht 110 miljoni euroni. Tegemist on Baltikumi era- ja äriklientide jaoks majanduslikult parima arvelduskonto teenusega. Bigbank pakub 2% intressi limiteerimata kontojäägilt ja tasuta makseid ning lisaks puuduvad arvelduskontoga seotud tasud.
Bigbanki 2026. aasta esimese üheksa kuu puhaskasum oli 30,1 miljonit eurot. 2025. aasta samal perioodil oli see 30,2 miljonit eurot. Kolmandas kvartalis teenis Bigbank puhaskasumit 12,6 miljonit eurot ehk 2025. aasta kolmanda kvartaliga võrreldes 1,1 miljonit eurot rohkem (+10%).
Bigbanki kolmanda kvartali intressitulud moodustasid 58,3 miljonit eurot, kasvades eelmise aasta sama perioodiga võrreldes 11,8 miljoni euro võrra (+25%). Intressikulud olid kokku 24,5 miljonit eurot, kasvades eelmise aasta sama perioodiga võrreldes 5,4 miljoni euro võrra (+28%). Kokkuvõttes tekkinud netointressitulu oli aastataguse kolmanda kvartaliga võrreldes 6,4 miljoni euro võrra suurem (+23%), ulatudes 33,8 miljoni euroni.
Laenuportfelli kvaliteet kolmandas kvartalis paranes. Tarbimislaenude krediidikvaliteet paraneb jätkuvalt, kodulaenude oma on väga kõrge ja ärilaenude oma on stabiilselt heal tasemel. Lisaks vähendas ühe suure ärilaenu 3. etapist väljaliikumine nähtavalt 3. etapi nõuete osakaalu kogu laenuportfellist. Eeldatava krediidikahju netokulu kahanes 2025. aasta sama perioodiga võrreldes 0,3 miljoni euro võrra ja moodustas 2,2 miljonit eurot. 3. etapi nõuete maht langes 100 miljoni euroni, vähenedes 3,0% tasemeni kõikidest laenunõuetest.
Kasvavate ärimahtude taga on tugev Bigbanki meeskond. Töötajate arv kasvas kvartaliga 29 võrra (+4%) ja aastaga 122 võrra (+20%) 741 töötajani. Meeskonna suurenemise peamised tegurid olid igapäevapanganduse toodete turule toomine ning laenu- ja hoiuseportfelli kasvu tingimustes klientidele jätkuvalt kõrgetasemelise teenuse pakkumine. Palgakulud kasvasid kolmandas kvartalis 10,8 miljoni euroni, ületades 2025. aasta sama perioodi näitajat 2,1 miljoni euro võrra (+24%).
Grupi kinnisvarainvesteeringute portfelli väärtus püsis 81,0 miljoni euro tasemel. Kinnisvarainvesteeringuid kolmandas kvartalis ümber ei hinnatud ning nii äripindade kui ka põllumaade rendirahavood püsisid varasemal tasemel.
Kolmandas kvartalis emiteeris Bigbank 17,23 miljoni euro ulatuses AT1 võlakirju, suurendades samas mahus esimese taseme täiendavaid omavahendeid. Kokku emiteeriti 83 investorile 1723 võlakirja nimiväärtusega 10 000 eurot.
| Kasumiaruanne, tuhandetes eurodes | III kvartal 2026 | III kvartal 2025 | 9 kuud 2026 | 9 kuud 2025 |
Netointressitulu | 33 834 | 27 351 | 94 000 | 78 687 |
Neto teenustasud | 2 289 | 2 686 | 6 954 | 7 759 |
Netokasum finantsvaradelt | 644 | -851 | 101 | 1 794 |
Neto tegevustulud | -1 304 | -704 | -3 594 | -2 719 |
| Neto tegevustulud kokku | 35 463 | 28 482 | 97 461 | 85 521 |
Palgakulud | -10 844 | -8 763 | -30 916 | -24 498 |
Halduskulud | -4 158 | -3 255 | -11 551 | -8 881 |
Põhivara kulum ja väärtuse langus | -2 542 | -2 239 | -7 408 | -6 552 |
Muu kasum (kahjum) | 1 | 1 999 | -2 380 | 217 |
| Tegevuskulud kokku | -17 543 | -12 258 | -52 255 | -39 714 |
| Kasum enne allahindluste kulu | 17 920 | 16 224 | 45 206 | 45 807 |
Eeldatava krediidikahju netokulu | -2 190 | -2 426 | -6 853 | -8 350 |
| Kasum enne maksustamist | 15 730 | 13 798 | 38 353 | 37 457 |
Tulumaks | -3 101 | -2 328 | -8 255 | -7 245 |
| Aruandeperioodi kasum | 12 629 | 11 470 | 30 098 | 30 212 |
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| Finantsseisundi aruanne, tuhandetes eurodes | 30.09.2026 | 30.06.2026 | 31.12.2025 | 30.09.2025 |
Raha ja raha ekvivalendid | 601 012 | 484 924 | 448 876 | 419 470 |
Võlaväärtpaberid | 18 393 | 40 668 | 37 226 | 34 796 |
Nõuded klientidele | 3 268 370 | 2 997 804 | 2 707 537 | 2 580 940 |
Muud varad | 115 882 | 117 935 | 123 084 | 116 779 |
| Varad kokku | 4 003 657 | 3 641 331 | 3 316 723 | 3 151 985 |
Klientide hoiused ja saadud laenud | 3 531 196 | 3 199 007 | 2 887 687 | 2 735 153 |
Allutatud võlakirjad | 127 645 | 109 972 | 106 744 | 106 976 |
Muud kohustised | 23 383 | 23 319 | 22 891 | 17 511 |
| Kohustised kokku | 3 682 224 | 3 332 298 | 3 017 322 | 2 859 640 |
Omakapital | 321 433 | 309 033 | 299 401 | 292 345 |
| Kohustised ja omakapital kokku | 4 003 657 | 3 641 331 | 3 316 723 | 3 151 985 |
Bigbank AS juhatuse esimehe Martin Läntsi kommentaar:
„2026. aasta kolmas kvartal oli Bigbanki jaoks taas tugev kvartal. Meie laenuportfell jõudis rekordilise 3,3 miljardi euroni, kasvades kvartaliga 9% ja aastaga 27%. Kasv oli laiapõhjaline kõigis olulisemates laenusegmentides, eriti tugevaid tulemusi näitas ärilaenude valdkond. Jätkus ka hoiuseportfelli kasv, mis ulatus kvartali lõpuks 3,5 miljardi euroni.
Meil on eriti hea meel selle üle, et tugeva ärikasvuga kaasnes laenuportfelli kvaliteedi paranemine ja kindel kasumlikkus. Netointressitulu kasvas eelmise aasta kolmanda kvartaliga võrreldes 23% ning kvartali puhaskasum suurenes 10%, 12,6 miljoni euroni. Eeldatava krediidikahju netokulu vähenes ning kolmanda etapi nõuete osakaal kogu laenuportfellist langes 3,0%-ni.
Julgustavaid tulemusi näitas ka meie igapäevapanganduse teenuste areng. Arvelduskontode saldod kasvasid kvartaliga 59%, 110 miljoni euroni, mis näitab klientide kasvavat huvi kasutada Bigbanki oma igapäevaste pangateenuste pakkujana. Kvartali jooksul astusime igapäevapanganduse pakkumise arendamisel järgmised olulised sammud: lisasime Google Pay ja Garmin Pay kõrvale Apple Pay ning täiendasime tasuta deebetkaardi pakkumist tasuta ostukindlustusega. Meie arvelduskonto ühendab kontojäägilt teenitava intressi tasuta maksete ja kontoga seotud tasude puudumisega, pakkudes klientidele Balti pangandusturul tugevat ja konkurentsivõimelist alternatiivi.
Kvartali jooksul emiteerisime edukalt ka 17,23 miljoni euro väärtuses täiendavatesse esimese taseme omavahenditesse kuuluvaid (Additional Tier 1 ehk AT1) võlakirju. Emissioon tugevdas veelgi meie kapitalibaasi ja toetab meie kasvustrateegia jätkuvat elluviimist.
Tulevikku vaadates keskendume jätkuvalt kasumlikule ja jätkusuutlikule kasvule, säilitades laenuportfelli kõrge kvaliteedi ning arendades edasi oma igapäevapanganduse teenuseid. Meie ambitsioon on muuta Bigbank klientide jaoks kõigis Balti riikides üha olulisemaks põhipangaks.“
Rohkem kui 30-aastase tegevusajalooga Bigbank AS (www.bigbank.ee) on Eesti kapitalile kuuluv kommertspank. 30. septembri 2026 seisuga oli panga bilansimaht kokku 4,0 miljardit eurot ning omakapital 321 miljonit eurot. Üheksas riigis tegutseval pangal on kokku üle 222 000 aktiivse kliendi ning üle 700 töötaja. Reitinguagentuur Moody’s on väljastanud Bigbankile pikaajalise pangahoiuste reitingu tasemel Ba1 ning baaskrediidireitingu (BCA) ja kohandatud BCA tasemel Ba2.
Argo Kiltsmann
Juhatuse liige
Telefon: +372 5393 0833
E-mail: [email protected]
www.bigbank.ee
Attachments
Content of announcement in English
Title
Bigbank's Unaudited Financial Results for Q3 2026
Message
At the end of the third quarter, loans to customers stood at a record high of 3.3 billion euros, having increased by 271 million euros (+9%) over the quarter and by 688 million euros (+27%) year on year. Compared to the end of the previous quarter, the business loan portfolio grew by 201 million euros (+16%) to 1.4 billion euros, the home loan portfolio by 47 million euros (+5%) to 933 million euros and the consumer loan portfolio by 22 million euros (+3%) to 881 million euros.
The group’s total deposit portfolio grew by 332 million euros (+10%) quarter on quarter and by 795 million euros (+29%) year on year, reaching 3.5 billion euros. The savings deposit portfolio showed the strongest quarter-on-quarter growth, increasing by 253 million euros (+17%) to 1.8 billion euros. The term deposit portfolio grew by 39 million euros (+2%) over the quarter, reaching 1.65 billion euros.
Current accounts continued to grow robustly, even outpacing term deposits. Their volume increased by 41 million euros (+59%) over the quarter, reaching 110 million euros by the end of the period. Bigbank continues to offer the most competitive current account services to both retail and corporate customers in the Baltics. Customers receive 2% interest on unlimited balances and enjoy free payments. The current account itself is also free of charge.
Bigbank’s net profit for the first nine months of 2026 amounted to 30.1 million euros. Net profit for the same period in 2025 was 30.2 million euros. In the third quarter, Bigbank earned a net profit of 12.6 million euros, up 1.1 million euros (+10%) from the third quarter of 2025.
Bigbank’s interest income for the third quarter amounted to 58.3 million euros, an increase of 11.8 million euros (+25%) year on year. Interest expense totalled 24.5 million euros, up 5.4 million euros (+28%) compared to the same period last year. The resulting net interest income grew by 6.4 million euros (+23%) year on year, reaching 33.8 million euros.
The quality of the loan portfolio improved in the third quarter. The credit quality of consumer loans continues to improve, while that of home loans is very high and that of business loans remains good. Furthermore, due to the transfer of a large business loan out of stage 3, the share of stage 3 loans in the total loan portfolio decreased visibly. Net expected credit loss allowances declined by 0.3 million euros year on year, reaching 2.2 million euros. The volume of stage 3 loans decreased to 100 million euros, accounting for 3.0% of the total loan portfolio.
Bigbank’s strong team has played a key role in boosting the group’s business volumes. The number of employees increased by 29 (+4%) during the quarter and by 122 (+20%) year on year, rising to 741. The main growth drivers were the launch of everyday banking products and the commitment to providing high-quality customer service in the context of growing loan and deposit portfolios. Salary expenses and associated charges increased to 10.8 million euros in the third quarter, exceeding the figure for the same period in 2025 by 2.1 million euros (+24%).
The value of the group’s investment property portfolio remained stable at 81.0 million euros. No investment properties were revalued during the third quarter, and the level of cash inflows from leasing out commercial premises and agricultural land remained the same.
In the third quarter, Bigbank issued Additional Tier 1 (AT1) bonds totalling 17.23 million euros, thereby increasing its Additional Tier 1 capital by the same amount. A total of 1,723 bonds with a nominal value of 10,000 euros each were issued to 83 investors.
| Income statement, in thousands of euros | Q3 2026 | Q3 2025 | 9M 2026 | 9M 2025 |
Net interest income | 33,834 | 27,351 | 94,000 | 78,687 |
Net fee and commission income | 2,289 | 2,686 | 6,954 | 7,759 |
Net income (loss) on financial assets | 644 | -851 | 101 | 1,794 |
Net other operating income | -1,304 | -704 | -3,594 | -2,719 |
| Total net operating income | 35,463 | 28,482 | 97,461 | 85,521 |
Salaries and associated charges | -10,844 | -8,763 | -30,916 | -24,498 |
Administrative expenses | -4,158 | -3,255 | -11,551 | -8,881 |
Depreciation, amortisation and impairment | -2,542 | -2,239 | -7,408 | -6,552 |
Other gains (losses) | 1 | 1,999 | -2,380 | 217 |
| Total expenses | -17,543 | -12,258 | -52,255 | -39,714 |
| Profit before loss allowances | 17,920 | 16,224 | 45,206 | 45,807 |
Net expected credit loss allowances | -2,190 | -2,426 | -6,853 | -8,350 |
| Profit before income tax | 15,730 | 13,798 | 38,353 | 37,457 |
Income tax expense | -3,101 | -2,328 | -8,255 | -7,245 |
| Profit for the period | 12,629 | 11,470 | 30,098 | 30,212 |
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| Statement of financial position, in thousands of euros | 30 Sept 2026 | 30 June 2026 | 31 Dec 2025 | 30 Sept 2025 |
Cash and cash equivalents | 601,012 | 484,924 | 448,876 | 419,470 |
Debt securities at FVOCI | 18,393 | 40,668 | 37,226 | 34,796 |
Loans to customers | 3,268,370 | 2,997,804 | 2,707,537 | 2,580,940 |
Other assets | 115,882 | 117,935 | 123,084 | 116,779 |
| Total assets | 4,003,657 | 3,641,331 | 3,316,723 | 3,151,985 |
Customer deposits and loans received | 3,531,196 | 3,199,007 | 2,887,687 | 2,735,153 |
Subordinated notes | 127,645 | 109,972 | 106,744 | 106,976 |
Other liabilities | 23,383 | 23,319 | 22,891 | 17,511 |
| Total liabilities | 3,682,224 | 3,332,298 | 3,017,322 | 2,859,640 |
Equity | 321,433 | 309,033 | 299,401 | 292,345 |
| Total liabilities and equity | 4,003,657 | 3,641,331 | 3,316,723 | 3,151,985 |
Commentary by Martin Länts, chairman of the management board of Bigbank AS:
“The third quarter of 2026 was another strong quarter for Bigbank. Our loan portfolio reached a record EUR 3.3 billion, increasing by 9% during the quarter and 27% year on year. Growth was broad-based across all major lending segments, with particularly strong performance in business lending. Our deposit portfolio also continued to grow, reaching EUR 3.5 billion by the end of the quarter.
We are particularly pleased that this strong business growth was accompanied by improved loan portfolio quality and solid profitability. Net interest income increased by 23% compared with the third quarter of last year, while quarterly net profit rose by 10% to EUR 12.6 million. Net expected credit loss allowances declined, and the share of stage 3 loans in the total loan portfolio decreased to 3.0%.
The development of our everyday banking services also continued to deliver encouraging results. Current account balances increased by 59% during the quarter to EUR 110 million, demonstrating growing customer interest in using Bigbank for their day-to-day banking needs. During the quarter, we took further important steps in developing our everyday banking offering: we added Apple Pay alongside Google Pay and Garmin Pay and enhanced our free debit card offering with free purchase protection insurance. Our current account combines interest on the account balance with free payments and no account-related fees, providing customers with a strong and competitive alternative in the Baltic banking market.
During the quarter, we also successfully issued Additional Tier 1 (AT1) bonds totalling EUR 17.23 million. The issuance further strengthened our capital base and supports the continued implementation of our growth strategy.
Looking ahead, we will remain focused on profitable and sustainable growth, maintaining strong credit quality and further developing our everyday banking services. Our ambition is to make Bigbank an increasingly relevant primary banking partner for customers across the Baltic countries.”
Bigbank AS (www.bigbank.eu), with over 30 years of operating history, is a commercial bank owned by Estonian capital. As of 30 September 2026, the bank's total assets amounted to 4.0 billion euros, with equity of 321 million euros. Operating in nine countries, the bank serves more than 222,000 active customers and employs over 700 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]
www.bigbank.ee