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
10669
Manused
Esitamise kuupäev ja aeg
20.10.2023 08:00:00
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Coop Pank 2023. aasta III kvartali auditeerimata majandustulemused
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2023. aasta III kvartali lõpu seisuga oli Coop Pangal 175 000 klienti, klientide arv kasvas kvartaliga 7900 kliendi võrra (+5%). Aktiivselt arveldavaid kliente oli pangal 77?400, kvartaliga kasvas aktiivselt arveldavate klientide arv 1200 võrra (+2%). Coop Panga hoiuste maht kahanes 2023. aasta III kvartalis 48 miljoni euro võrra (-3%), ulatudes 1,71 miljardi euroni. Eraklientide hoiuste portfell kasvas 10 miljoni euro võrra: nõudmiseni hoiused vähenesid 3 miljoni euro võrra ja tähtajalised hoiused kasvasid 13 miljoni euro võrra. Äriklientide hoiuste maht kahanes 35 miljoni euro võrra: nõudmiseni hoiused kahanesid 51 miljoni euro võrra ja tähtajalised hoiused kasvasid 16 miljoni euro võrra. Rahvusvahelise hoiuste kaasamise platvormi Raisin hoiused ja muu finantseering kahanes 22 miljoni euro võrra. Võrreldes 2022. aasta III kvartaliga on Coop Panga hoiuste maht kasvanud 353 miljoni euro võrra (+26%). Aastases võrdluses on panga tähtajaliste hoiuste osakaal kõigist hoiustest kasvanud 50% pealt 69% peale. 2023. aasta III kvartalis oli finantseerimiskulu 2,7%, eelmisel aastal samal ajal 0,7%. 2023. aasta III kvartalis kasvas Coop Panga neto laenuportfell 36 miljoni euro võrra (+2%), ulatudes 1,49 miljardi euroni. Kiireimat kasvu näitasid ärilaenude portfell ja kodulaenude portfell. Nii ärilaenude portfelli kui ka kodulaenude portfelli mahud kasvasid mõlemad 20 miljoni euro võrra (+3%). Tarbimisfinantseerimise portfell kahanes 1 miljoni euro võrra (-1%) ja liisinguportfell kahanes 3 miljoni euro võrra (-2%). 2022. aasta III kvartaliga võrreldes on laenuportfell kasvanud 286 miljoni euro võrra (+24%). 2023. aasta III kvartalis kasvas Coop Panga viivises olev laenuportfell 2% tasemelt 2,1% tasemele. Aasta tagasi oli viivises olev laenuportfell 1,4% tasemel. Finantsvarade allahindluse kulu oli 2023. aasta III kvartalis 1,3 miljonit eurot, mida on 0,6 miljonit eurot (+93%) rohkem kui oli 2022 III kvartalis. Coop Panga netotulud olid 2023. aasta III kvartalis 22,7 miljonit eurot, kasvades kvartaalses võrdluses 2% ja aastases võrdluses 64%. Tegevuskulud ulatusid III kvartalis 9 miljoni euroni - kasvades kvartaalses võrdluses 5% ja aastases võrdluses 30%. Coop Pank teenis 2023. aasta III kvartalis 11,1 miljonit eurot puhaskasumit, mida on 7% rohkem kui eelmises kvartalis ja 93% rohkem kui aasta tagasi. Panga kulude ja tulude suhe oli III kvartalis 40% ning omakapitali tootlus 25,9%. Coop Pangal on 30.09.2023 seisuga 37?200 aktsionäri, kvartaliga lisandus 200 (+0,5%) aktsionäri. Coop Panga finantsjuhi Paavo Truu kommentaar tulemustele: ?Arvestades üldist majanduskeskkonda, kasvas kolmandas kvartalis Coop Panga laenuportfell heas tempos ja viivises oleva laenuportfelli maht püsis jätkuvalt lähiaastate madalaimal tasemel. Konkurents kliendi hoiuste nimel jätkus ka kolmandas kvartalis. Nägime, et üha rohkem Coop Panga klientide vahenditest liikus nõudmiseni hoiustelt tähtajalisele hoiusele. Panga tugevat likviidsuspositsiooni see ei mõjuta. Kui aasta esimeses pooles konkureerisid pangad peamiselt tähtajalise hoiuse osas, siis kolmandas kvartalis tugevnes konkurents ka nõudmiseni hoiuste nimel, mis ilmselt võimendub lähikuudel veelgi. Coop Pank on nii era- kui ka äriklientide nõudmiseni hoiustele alati arvestatavat intressi maksnud ning jätkab selle maksmist ka edaspidi. Head hoiuste pakkumised on toonud pangale juurde palju uusi kliente, kellest osa on tulnud üksnes tähtajaliselt hoiustama, mitte aktiivselt arveldama, mistõttu nägime kolmandas kvartalis aktiivselt arveldavate klientide arvus mõõdukat kasvu. Töötame selle nimel, et ka tähtajalised hoiustajad hakkaksid Coop Panga igapäevapanganduse teenuseid kasutama. Tulenevalt ärimahtude kasvust ja kulude kontrolli all hoidmisest on Coop Panga olulised tulemusnäitajad kvartalist kvartalisse paranenud. See päädis kolmandas kvartalis rekordilise kvartalikasumiga 11,1 miljonit eurot ja kulu-tulu suhtega 40% ning omakapitali tootlusega 25,9%." Kasumiaruanne, 2022 III tuh.eur 2023 III kv 2023 II kv kv 2023 9 kuud 2022 9 kuud ------------------------------------------------------------------------------- Neto intressitulud 21 257 21 044 12 721 60 672 34 945 Neto teenustasutulud 1 147 1 183 978 3 359 2 677 Muud tegevustulud, neto 334 163 148 758 475 ------------------------------------------------------------------------------- Netotulud kokku 22 738 22 390 13 847 64 789 38 097 ------------------------------------------------------------------------------- Tööjõukulud -5 297 -4 900 -4 057 -14 739 -11 286 Turunduskulud -630 -633 -442 -1 676 -1 232 Rent, kontorikulud ja mat. põhivara kulum -673 -726 -684 -2 098 -2 041 IT kulud ja immat. põhivara kulum -1 204 -1 082 -1 086 -3 439 -3 176 Muud kulud -1 218 -1 224 -660 -3 230 -2 003 ------------------------------------------------------------------------------- Tegevuskulud kokku -9 022 -8 565 -6 929 -25 182 -19 738 ------------------------------------------------------------------------------- Kasum enne allahindluste kulu 13 716 13 825 6 918 39 607 18 359 Finantsvarade allahindlus -1 296 -2 232 -672 -5 155 -3 347 Kasum enne tulumaksu 12 420 11 593 6 246 34 452 15 012 Tulumaksu kulu -1 344 -1 227 -499 -3 634 -1 176 ------------------------------------------------------------------------------- Aruandeperioodi puhaskasum 11 076 10 366 5 747 30 818 13 836 ------------------------------------------------------------------------------- Finantsseisundi aruanne, tuh.eur 30.09.2023 30.06.2023 31.12.2022 30.09.2022 ------------------------------------------------------------------------------- Raha ja raha ekvivalendid 404 911 459 631 364 878 287 158 Võlainstrumendid 31 765 27 877 18 747 14 540 Laenud klientidele 1 493 985 1 458 201 1 300 775 1 208 457 Muud varad 30 527 32 500 29 776 29 879 ------------------------------------------------------------------------------- Varad kokku 1 961 188 1 978 209 1 714 176 1 540 035 ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 1 707 214 1 754 746 1 508 126 1 354 345 Muud kohustised 27 451 19 967 18 795 19 659 Allutatud laenud 50 148 38 139 38 139 43 211 ------------------------------------------------------------------------------- Kohustised kokku 1 784 813 1 812 852 1 565 060 1 417 215 ------------------------------------------------------------------------------- Omakapital 176 375 165 357 149 116 122 820 ------------------------------------------------------------------------------- Kohustised ja omakapital kokku 1 961 188 1 978 209 1 714 176 1 540 035 ------------------------------------------------------------------------------- Coop Panga aruanded on leitavad aadressilt: https://www.cooppank.ee/aruandlus Coop Pank korraldab 2023. aasta III kvartali majandustulemuste tutvustamiseks veebiseminari 20. oktoobril 2023 kell 9.00. Osalemiseks palume eelnevalt registreeruda aadressil: https://bit.ly/CP-20-10-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 175 000 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 Q3 2023
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By the end of the Q3 2023, Coop Pank had 175,000 customers, during the quarter the number of customers increased by 7,900 (+5%). The bank had 77,400 active customers, during the quarter the number of active customers increased by 1,200 (+2%). In Q3 2023, volume of deposits in Coop Pank decreased by 48 million euros (- 3%), reaching total of 1.71 billion euros. Deposits from private clients increasing by 10 million euros: demand deposits decreased by 3 million euros and term deposits increased by 13 million euros. Deposits from domestic business customers decreased by 35 million euros: demand deposits decreased by 51 million euro and term deposits increased by 16 million euros. Deposits from international deposit platform Raisin and other financing decreased by 22 million euros. Compared to Q3 2022, volume of Coop Pank's deposits has increased by 353 million euros (+26%). In an annual comparison, share of term deposits of total deposits has increased from 50% to 69%. In Q3 2023, the bank's financing cost was 2.7%, at the same time last year the financing cost was 0.7%. In Q3 2023, net loan portfolio of Coop Pank increased by 36 million euros (+2%), reaching 1.49 billion euros. Business loans portfolio and home loans portfolio showed the fastest growth. The volumes of business loan portfolio and home loan portfolio both increased by 20 million euros (+3%). Consumer finance portfolio decreased by 1 million euros (-1%) and leasing portfolio decreased by 3 million euros (-2%). Compared to Q3 2022, total loan portfolio of Coop Pank has grown by 286 million euros (+24%). In Q3 2023, overdue loan portfolio of Coop Pank increased from the level of 2% to the level of 2.1%. A year ago, overdue loan portfolio was at the level of 1.4%. Impairment costs of financial assets in Q3 2023 were 1.3 million euros, which is 0.6 million euros (+93%) more than in Q3 2022. Net income of Coop Pank in Q3 2023 was 22.7 million euros, having grown 2% over the quarter and 64% over the year. Operating expenses reached 9 million euros in Q3 - operating expenses increased 5% in the quarterly comparison and 30% in the annual comparison. In Q3 2023, net profit of Coop Pank was 11.1 million euros, which is 7% more than in the previous quarter and 93% more than a year ago. In Q3 2023, cost to income ratio of the bank was 40% and return on equity was 25.9%. As of 30 September 2023, Coop Pank has 37,200 shareholders, 200 (+0.5%) shareholders have been added over the quarter. Paavo Truu, Member of the Management Board and Chief Financial Officer of Coop Pank, comments the results: "Taking into account the general economic environment, the loan portfolio of Coop Pank decreased at a good pace in the third quarter, and the past due loan portfolio continued to remain at the lowest level in the past years. In the market, competition for customer deposits continued in the third quarter. We saw that more and more of the funds of Coop Pank's customers moved from demand deposits to term deposits. This does not affect the bank's strong liquidity position. While in the first half of the year, all the banks mainly competed for term deposits, in the third quarter the competition for demand deposits also increased, which will probably intensify even more in the coming months. Coop Pank has always paid considerable interest on demand deposits of both private and business customers and will continue to pay it in the future. Attractive deposit offers have brought a lot of new customers to the Coop Pank, some of whom have come to make only term deposits and not settlement transactions, therefore we saw only the average growth of the number of active customers in the third quarter. We are working to ensure that fixed-term depositors also start using Coop Pank's everyday banking services. Due to the growth of business volumes and keeping costs under control, Coop Pank's performance indicators have improved from quarter to quarter. In the third quarter, it resulted with a record quarterly profit of 11.1 million euros and a cost-income ratio of 40% and a return on equity of 25.9%." Income statement, in th. of euros Q3 2023 Q2 2023 Q3 2022 9M 2023 9M 2022 ------------------------------------------------------------------------------- Net interest income 21 257 21 044 12 721 60 672 34 945 Net fee and commission income 1 147 1 183 978 3 359 2 677 Net other income 334 163 148 758 475 ------------------------------------------------------------------------------- Total net income 22 738 22 390 13 847 64 789 38 097 ------------------------------------------------------------------------------- Payroll expenses -5 297 -4 900 -4 057 -14 739 -11 286 Marketing expenses -630 -633 -442 -1 676 -1 232 Rental and office expenses, depr. of tangible assets -673 -726 -684 -2 098 -2 041 IT expenses and depr. of intangible assets -1 204 -1 082 -1 086 -3 439 -3 176 Other operating expenses -1 218 -1 224 -660 -3 230 -2 003 ------------------------------------------------------------------------------- Total operating expenses -9 022 -8 565 -6 929 -25 182 -19 738 ------------------------------------------------------------------------------- Net profit before impairment losses 13 716 13 825 6 918 39 607 18 359 Impairment costs on financial assets -1 296 -2 232 -672 -5 155 -3 347 Net profit before income tax 12 420 11 593 6 246 34 452 15 012 Income tax expenses -1 344 -1 227 -499 -3 634 -1 176 ------------------------------------------------------------------------------- Net profit for the period 11 076 10 366 5 747 30 818 13 836 ------------------------------------------------------------------------------- Statement of financial position, in th. of euros 30.09.2023 30.06.2023 31.12.2022 30.09.2022 ------------------------------------------------------------------------------- Cash and cash equivalents 404 911 459 631 364 878 287 158 Debt securities 31 765 27 877 18 747 14 540 Loans to customers 1 493 985 1 458 201 1 300 775 1 208 457 Other assets 30 527 32 500 29 776 29 879 ------------------------------------------------------------------------------- Total assets 1 961 188 1 978 209 1 714 176 1 540 035 ------------------------------------------------------------------------------- Customer deposits and loans received 1 707 214 1 754 746 1 508 126 1 354 345 Other liabilities 27 451 19 967 18 795 19 659 Subordinated debt 50 148 38 139 38 139 43 211 ------------------------------------------------------------------------------- Total liabilities 1 784 813 1 812 852 1 565 060 1 417 215 ------------------------------------------------------------------------------- Equity 176 375 165 357 149 116 122 820 ------------------------------------------------------------------------------- Total liabilities and equity 1 961 188 1 978 209 1 714 176 1 540 035 ------------------------------------------------------------------------------- The reports of Coop Pank are available at: https://www.cooppank.ee/en/reporting Coop Pank will organise a webinar on 20 October 2023 at 9:00 AM, to present the financial results of Q3 2023. For participation, please register in advance at: https://bit.ly/CP-20-10-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 175,000 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])