Börsiteade
Coop Pank AS
LEI kood
549300EHNXQVOI120S55
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Muud korporatiivtoimingud
Teate ID
10484
Manused
Esitamise kuupäev ja aeg
20.07.2023 08:00:00
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Coop Pank 2023. aasta II kvartali auditeerimata majandustulemused
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Coop Pank 2023. aasta II kvartali auditeerimata majandustulemused 2023. aasta II kvartali lõpu seisuga oli Coop Pangal 167 000 klienti, klientide arv kasvas kvartaliga 12 000 kliendi võrra (+8%). Aktiivselt arveldavaid kliente oli pangal 76 100, kvartaliga kasvas aktiivselt arveldavate klientide arv 6000 võrra (+9%). Coop Panga hoiuste maht kasvas 2023. aasta II kvartalis 242 miljoni euro võrra (+16%), ulatudes 1,76 miljardi euroni. Kiireimat kasvu näitas eraklientide hoiuste portfell, mille maht kasvas 125 miljoni euro võrra: nõudmiseni hoiused vähenesid 30 miljoni euro võrra ja tähtajalised hoiused kasvasid 155 miljoni euro võrra. Äriklientide hoiuste maht kasvas 107 miljoni euro võrra: nõudmiseni hoiused kahanesid 1 miljoni euro võrra ja tähtajalised hoiused kasvasid 108 miljoni euro võrra. Rahvusvahelise hoiuste kaasamise platvormi Raisin hoiused ja muu finantseering kasvas 10 miljoni euro võrra. Võrreldes 2022. aasta II kvartaliga on Coop Panga hoiuste maht kasvanud 506 miljoni euro võrra (+41%). Aastases võrdluses on panga tähtajaliste hoiuste osakaal kõigist hoiustest kasvanud 51% pealt 67% peale. 2023. aasta II kvartalis oli finantseerimiskulu 1,8%, eelmisel aastal samal ajal 0,5%. 2023. aasta II kvartalis kasvas Coop Panga neto laenuportfell 111 miljoni euro võrra (+8%), ulatudes 1,46 miljardi euroni. Kiireimat kasvu näitas ärilaenude portfell, mille maht kasvas 53 miljoni euro võrra (+9%). Kodulaenude portfell kasvas 34 miljoni euro võrra (+6%), liisinguportfell kasvas 17 miljoni euro võrra (+12%) ja tarbimisfinantseerimise portfell kasvas 8 miljoni euro võrra (+9%). 2022. aasta II kvartaliga võrreldes on laenuportfell kasvanud 327 miljoni euro võrra (+29%). 2023. aasta II kvartalis kasvas Coop Panga viivises olev laenuportfell 1,8% tasemelt 2,0% tasemele. Aasta tagasi oli viivises olev laenuportfell 1,7% tasemel. Finantsvarade allahindluse kulu oli 2023. aasta II kvartalis 2,2 miljonit eurot, mida on 1,1 miljonit eurot (+89%) rohkem kui oli 2022 II kvartalis. Coop Panga netotulud olid 2023. aasta II kvartalis 22,4 miljonit eurot, kasvades kvartaalses võrdluses 14% ja aastases võrdluses 76%. Tegevuskulud ulatusid II kvartalis 8,6 miljoni euroni - kasvades kvartaalses võrdluses 13% ja aastases võrdluses 30%. Coop Pank teenis 2023. aasta II kvartalis 10,4 miljonit eurot puhaskasumit, mida on 11% rohkem kui eelmises kvartalis ja 126% rohkem kui aasta tagasi. Panga kulude ja tulude suhe oli II kvartalis 38% ning omakapitali tootlus 25,6%. Coop Pangal on 30.06.2023 seisuga 37 000 aktsionäri, kvartaliga lisandus 500 (+1,3%) aktsionäri. Coop Panga juhatuse esimehe Margus Rinki kommentaar tulemustele: ?Coop Pank kasvatas teises kvartalis ärimahte rekordilises tempos. Laenuportfelli kasvu taga olid kõik äriliinid: ärilaen, kodulaen, autoliising ja tarbimisfinantseerimine. See näitab, et vaatamata haprale makromajandus keskkonnale ja kasvanud intressitasemetele on turul nõudlus laenude järgi endiselt suur. Näeme, et ettevõtted ja majapidamised saavad euribori kiirest tõusust tingitud kasvavate laenumaksetega hästi hakkama. Hea toimetulek on tingitud sellest, et tööpuudus on jätkuvalt madal, inimeste sissetulekud on kasvavad, inflatsioon taandub ning laenamine on toimunud vastutustundlikult. Siiski näeme mõningast lühiajaliste võlgnevuste kasvu, kuid tuleb arvesse võtta, et asusime võlglaste osas äsja kõigi aegade madalaimal tasemel. Lühiajalised võlgnevused tasutakse üldjuhul enne järgmist laenumakset ning seega püsib laenuportfelli kvaliteet hea. Tõsiseks väljakutseks on saanud hoiuste kaasamine. Turul tervikuna ei ole hoiused alates aasta algusest kasvanud - eraisikute hoiused on kasvanud 0,5 miljardi euro võrra ja äriklientide hoiused on samavõrra vähenenud. See on kasvatanud pankade konkurentsi olemasoleva ressursi nimel. Kuna rahale on tekkinud hind, konverteerub suur hulk nõudmiseni hoiusest kõrgema intressiga tähtajaliseks hoiuseks. Panga aktsionärid ei pruugi selle üle rõõmustada, kuid kliendid ja hoiustajad on selgelt võitnud. Coop Panga teise kvartali tulude kasvu taga on nii ärimahtude rekordiline kasv kui ka euribori tõusust tulenevad täiendavad intressitulud. Kuludes näeme kasvavaid intressikulusid. Samuti oleme suurendanud nõrgast makrokeskkonnast tulenevaid ettevaatavaid laenuprovisjone. Teine kvartal päädis Coop Pangale aegade parima kvartalikasumiga (10,4 miljonit eurot), madalaima kulu-tulu suhte (38%) ning rekordilise omakapitali tootlusega (25,6%)." Kasumiaruanne, tuh.eur 2023 II kv 2023 I kv 2022 II kv 2023 6 kuud 2022 6 kuud ------------------------------------------------------------------------------- Neto intressitulud 21 044 18 372 11 629 39 416 22 224 Neto teenustasutulud 1 183 1 028 904 2 211 1 699 Muud tegevustulud, neto 163 261 224 424 327 ------------------------------------------------------------------------------- Netotulud kokku 22 390 19 661 12 757 42 051 24 250 ------------------------------------------------------------------------------- Tööjõukulud -4 900 -4 542 -3 780 -9 445 -7 229 Turunduskulud -633 -412 -399 -1 045 -790 Rent, kontorikulud ja mat. põhivara kulum -726 -700 -669 -1 425 -1 357 IT kulud ja immat. põhivara kulum -1 082 -1 155 -1 115 -2 236 -2 089 Muud kulud -1 224 -788 -647 -2 012 -1 344 ------------------------------------------------------------------------------- Tegevuskulud kokku -8 565 -7 595 -6 610 -16 160 -12 809 ------------------------------------------------------------------------------- Kasum enne allahindluste kulu 13 825 12 066 6 147 25 891 11 441 Finantsvarade allahindlus -2 232 -1 627 -1 181 -3 859 -2 675 Kasum enne tulumaksu 11 593 10 439 4 966 22 032 8 766 Tulumaksu kulu -1 227 -1 063 -378 -2 291 -677 ------------------------------------------------------------------------------- Aruandeperioodi puhaskasum 10 366 9 375 4 588 19 741 8 089 ------------------------------------------------------------------------------- Finantsseisundi aruanne, tuh.eur 30.06.2023 31.03.2023 31.12.2022 30.06.2022 ------------------------------------------------------------------------------- Raha ja raha ekvivalendid 459 631 334 074 364 878 261 821 Võlainstrumendid 27 877 18 931 18 747 4 968 Laenud klientidele 1 458 201 1 346 822 1 300 775 1 131 367 Muud varad 32 500 30 048 29 776 30 711 ------------------------------------------------------------------------------- Varad kokku 1 978 209 1 729 876 1 714 176 1 428 868 ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 1 754 746 1 512 627 1 508 126 1 248 711 Muud kohustised 19 967 20 599 18 795 19 707 Allutatud laenud 38 139 38 101 38 139 43 164 ------------------------------------------------------------------------------- Kohustised kokku 1 812 852 1 571 327 1 565 061 1 311 582 ------------------------------------------------------------------------------- Omakapital 165 357 158 550 149 116 117 287 ------------------------------------------------------------------------------- Kohustised ja omakapital kokku 1 978 209 1 729 876 1 714 176 1 428 868 ------------------------------------------------------------------------------- Coop Panga aruanded on leitavad aadressilt: https://www.cooppank.ee/aruandlus Coop Pank korraldab 2023. aasta II kvartali majandustulemuste tutvustamiseks veebiseminari 20. juulil 2023 kell 9.00. Osalemiseks palume eelnevalt registreeruda aadressil: https://bit.ly/CP-20-07-veebiseminar-registreerimine Veebiseminar salvestatakse ning avalikustatakse Coop Panga kodulehel www.cooppank.ee (https://www.globenewswire.com/Tracker?data=ysaYE2aduEcKrKAVh7DYM6LiE28UTJqD7xkd SPeY2t-8glSNNf3zmGgGz59--m-ZGdW8mZfR_aEVv-L5dz38qQ==) ja YouTube'i kontol. Eesti kapitalil põhinev Coop Pank on üks viiest Eestis tegutsevast universaalpangast. Pangal on 167 000 igapäevapanganduse klienti. Coop Pank kasutab jaekaubanduse ja panganduse vahel tekkivat sünergiat ning toob igapäevased pangateenused inimeste kodu lähedale. Panga strateegiliseks aktsionäriks on kodumaine kaubanduskett Coop Eesti, mille müügivõrgustikku kuulub 320 kauplust. Lisainfo: Paavo Truu Finantsjuht Telefon: +372 516 0231 E-post: [email protected] (mailto:[email protected])
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Coop Pank unaudited financial results for Q2 2023
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By the end of the Q2 2023, Coop Pank had 167,000 customers, during the quarter the number of customers increased by 12,000 (+8%). The bank had 76,100 active customers, during the quarter the number of active customers increased by 6,000 (+9%). In Q2 2023, volume of deposits in Coop Pank increased by 242 million euros (+16%), reaching total of 1.76 billion euros. Deposits from private clients showed the fastest growth, increasing by 127 million euros: demand deposits decreased by 30 million euros and term deposits increased by 155 million euros. Deposits from domestic business customers increased by 107 million euros: demand deposits decreased by 1 million euro and term deposits increased by 108 million euros. Deposits from international deposit platform Raisin and other financing increased by 10 million euros. Compared to Q2 2022, volume of Coop Pank's deposits has increased by 506 million euros (+41%). In an annual comparison, share of term deposits of total deposits has increased from 51% to 67%. In Q2 2023, the bank's financing cost was 1.8%, at the same time last year the financing cost was 0.5%. In Q2 2023, net loan portfolio of Coop Pank increased by 111 million euros (+8%), reaching 1.46 billion euros. Business loans portfolio showed the fastest growth, increasing the volume by 53 million euros (+9%). Home loans portfolio increased by 34 million euros (+6%), leasing portfolio increased by 17 million euros (+12%) and consumer finance portfolio increased by 8 million euros (+9%). Compared to Q2 2022, total loan portfolio of Coop Pank has grown by 327 million euros (+29%). In Q2 2023, overdue loan portfolio of Coop Pank increased from the level of 1.8% to the level of 2.0%. A year ago, overdue loan portfolio was at the level of 1.7%. Impairment costs of financial assets in Q2 2023 were 2.2 million euros, which is 1.1 million euros (+89%) more than in Q2 2022. Net income of Coop Pank in Q2 2023 was 22.4 million euros, having grown 14% over the quarter and 76% over the year. Operating expenses reached 8.6 million euros in Q2 - operating expenses increased 13% in the quarterly comparison and 30% in the annual comparison. In Q2 2023, net profit of Coop Pank was 10.4 million euros, which is 11% more than in the previous quarter and 126% more than a year ago. In Q2 2023, cost to income ratio of the bank was 38% and return on equity was 25.6%. As of 30 June 2023, Coop Pank has 37,000 shareholders, 500 (+1.3%) shareholders have been added over the quarter. Margus Rink, Chairman of the Management Board of Coop Pank, comments the results: "Coop Pank increased its business volume at a record pace in the second quarter. All business lines were behind the growth of the loan portfolio: business loan, home loan, car leasing and consumer financing. This shows that despite the fragile macroeconomic environment and increased interest rates, the demand for loans in the market is still high. We see that companies and households are coping well with the rising loan payments due to the rapid rise in Euribor. The good management of loan payments is due to the fact, that unemployment continues to be low, people's incomes are growing, inflation is receding and lending has taken place responsibly. However, we do see some growth in short-term debts, but we must consider that the level of debtors was just at an all-time low level. Short-term debts are generally paid before the next loan payment, and in consequence the quality of the loan portfolio remains good. Attracting deposits has become a serious challenge. In the market, deposits have not increased since the beginning of the year - deposits of private individuals have increased by 0.5 billion euros, and deposits of corporate clients have decreased by the same amount. This has increased the competition of banks for the available resource. As money has come to have a price, a large amount of demand deposits is converting to term deposits with a higher interest rate. The bank's shareholders may not be happy about it, but customers and depositors are clearly the winners of that. Coop Pank's second quarter income growth is due to the record growth of business volumes as well as additional interest income resulting from the rise in Euribor. In expenses, we see increasing interest expenses. We have also increased future-oriented loan provisions due to the weak macro-economic environment. The second quarter ended with Coop Pank's best quarterly net profit (10.4 million euros), the lowest cost-to-income ratio (38%) and a record return on equity (25.6%)." Income statement, in th. of euros Q2 2023 Q1 2023 Q2 2022 6M 2023 6M 2022 ------------------------------------------------------------------------------- Net interest income 21 044 18 372 11 629 39 416 22 224 Net fee and commission income 1 183 1 028 904 2 211 1 699 Net other income 163 261 224 424 327 ------------------------------------------------------------------------------- Total net income 22 390 19 661 12 757 42 051 24 250 ------------------------------------------------------------------------------- Payroll expenses -4 900 -4 542 -3 780 -9 445 -7 229 Marketing expenses -633 -412 -399 -1 045 -790 Rental and office expenses, depr. of tangible assets -726 -700 -669 -1 425 -1 357 IT expenses and depr. of intangible assets -1 082 -1 155 -1 115 -2 236 -2 089 Other operating expenses -1 224 -788 -647 -2 012 -1 344 ------------------------------------------------------------------------------- Total operating expenses -8 565 -7 595 -6 610 -16 160 -12 809 ------------------------------------------------------------------------------- Net profit before impairment losses 13 825 12 066 6 147 25 891 11 441 Impairment costs on financial assets -2 232 -1 627 -1 181 -3 859 -2 675 Net profit before income tax 11 593 10 439 4 966 22 032 8 766 Income tax expenses -1 227 -1 063 -378 -2 291 -677 ------------------------------------------------------------------------------- Net profit for the period 10 366 9 375 4 588 19 741 8 089 ------------------------------------------------------------------------------- Statement of financial position, in th. of euros 30.06.2023 31.03.2023 31.12.2022 30.06.2022 ------------------------------------------------------------------------------- Cash and cash equivalents 459 631 334 074 364 878 261 821 Debt securities 27 877 18 931 18 747 4 968 Loans to customers 1 458 201 1 346 822 1 300 775 1 131 367 Other assets 32 500 30 048 29 776 30 711 ------------------------------------------------------------------------------- Total assets 1 978 209 1 729 876 1 714 176 1 428 868 ------------------------------------------------------------------------------- Customer deposits and loans received 1 754 746 1 512 627 1 508 126 1 248 711 Other liabilities 19 967 20 599 18 795 19 707 Subordinated debt 38 139 38 101 38 139 43 164 ------------------------------------------------------------------------------- Total liabilities 1 812 852 1 571 327 1 565 061 1 311 582 ------------------------------------------------------------------------------- Equity 165 357 158 550 149 116 117 287 ------------------------------------------------------------------------------- Total liabilities and equity 1 978 209 1 729 876 1 714 176 1 428 868 ------------------------------------------------------------------------------- The reports of Coop Pank are available at: https://www.cooppank.ee/en/reporting Coop Pank will organise a webinar on 20 July 2023 at 9:00 AM, to present the financial results of Q2 2023. For participation, please register in advance at: https://bit.ly/CP-20-07-veebiseminar-registreerimine The webinar will be recorded and published on the company's website www.cooppank.ee (http://www.cooppank.ee) and on the YouTube channel. Coop Pank, based on Estonian capital, is one of the five universal banks operating in Estonia. The bank has 167,000 daily banking clients. 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: +372 516 0231 E-mail: [email protected] (mailto:[email protected])