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Bigbank AS
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21.02.2024 16:30:00
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Bigbank AS 2024. aasta jaanuari tulemused
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2024. aasta algas Bigbankile tugevate tulemustega. Jaanuaris suurenesid ärimahud ning see kajastus ka tuludes. Muutuvas intressikeskkonnas, kus hoiuseintressid on saavutanud oma tipu ja kus eeldatakse nende langust 2024. aasta jooksul, otsivad paljud hoiusekliendid aktiivselt võimalusi oma vabade vahendite mõistlikel tingimustel paigutamiseks. Bigbank jätkab turule atraktiivsete intressimäärade pakkumist ja seetõttu näitas hoiuseportfell jaanuaris märkimisväärset kasvu, jõudes 2,0 miljardi euro tasemeni. Eraldiseisvalt näitasid kasvu nii säästuhoiuseportfell kui ka tähtajalise hoiuse portfell. Oluline verstapost oli tähtajalise hoiuse turule toomine Leedus, mis tähistab ühtlasi Bigbanki viimase koduturu katmist, kus seda toodet varem ei pakutud. Alates jaanuarist 2024 pakub Bigbank tähtajalist hoiust kõigil oma tegevusturgudel. Laenuportfellis vedas kasvu kodulaenude portfell, kuid väiksemat kasvu näitasid ka ärilaenu- ja tarbimislaenuportfell. Kodulaenude osas on Bigbanki koduturgudel toimunud teatav elavnemine, mis ühelt poolt on põhjustatud samuti muutustest intressikeskkonnas ja ootusest euribori edasiseks languseks ning teisalt ka konkurentsiolukorra tihenemisest, mis kokkuvõttes avaldub klientidele soodsamate intresside näol. Kasvanud laenuportfell ja langev, kuid endiselt kõrgel tasemel olev intressikeskkond on kokkuvõttes võimaldanud Bigbankil suurendada neto intressitulusid jaanuaris eelmise aastaga võrreldes 2 miljonit eurot ehk 27%. Tarbimislaenude portfellis on näha eelmise aasta viimases kvartalis alanud teatavat kvaliteedilanguse jätku. Seda kinnitab ka kasvanud neto laenunõuete ja finantsinvesteeringute allahindluste maht, mis oli jaanuaris 2,5 miljonit eurot. Mittetöötava laenuportfelli tase on siiski endiselt madal ja laenuportfelli üldine kvaliteet hea. 3,2 miljoni euro suurune jaanuari puhaskasum on hea näitaja. Rõõmustav on ka kulu/tulu suhte langus alla 40% taseme, jaanuari näitaja oli 38,5%. Bigbanki 2024. aasta jaanuari majandustulemused: * Klientide hoiused ja saadud laenud kasvasid aastaga 557 miljonit eurot 2,0 miljardi euroni (+39%). * Nõuded klientidele kasvasid aastaga 317 miljonit eurot 1,69 miljardi euroni (+23%). * Neto intressitulud olid jaanuaris 9,3 miljonit eurot. Eelmise aasta jaanuariga võrreldes oli kasv 2,0 miljonit eurot (+27%). * Neto laenunõuete ja finantsinvesteeringute allahindluste maht oli jaanuaris 2,5 miljonit eurot; võrreldes aasta taguse ajaga oli kasv 1,0 miljonit eurot ehk 62%. * Jaanuari puhaskasum oli 3,2 miljonit eurot; kasv võrreldes 2023. aasta sama perioodiga oli 0,2 miljonit eurot ehk 8%. * Omakapitali tootlus oli jaanuaris 15,5%. Kasumiaruanne, tuhandetes eurodes Jaan. 2024 YTD23 YTD24 Erinevus YoY ------------------------------------------------------------------------------- Neto tegevustulud kokku, sh 9 935 9 935 8 116 1 819 +22% Neto intressitulu 9 347 9 347 7 349 1 998 +27% Neto teenustasud 722 722 662 60 +9% Tegevuskulud kokku, sh -3 821 -3 821 -3 288 -533 +16% Palgakulud -2 214 -2 214 -1 898 -317 +17% Halduskulud -1 025 -1 025 -1 054 29 -3% Kasum enne allahindluste kulu 6 114 6 114 4 828 1 285 +27% Neto laenunõuete ja finantsinvesteeringute allahindlused -2 507 -2 507 -1 550 -957 +62% Tulumaks -358 -358 -275 -83 +30% Aruandeperioodi jätkuvate tegevuste kasum 3 248 3 248 3 003 245 +8% Kahjum lõpetatud tegevustest 0 0 0 0 ------------------------------------------------------------------------------- Aruandeperioodi kasum 3 248 3 248 3 003 245 +8% ------------------------------------------------------------------------------- Ärimahud, tuhandetes eurodes Jaan. 2024 YTD23 YTD24 Erinevus YoY ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 2 002 513 2 002 513 1 445 100 557 413 +39% Nõuded klientidele 1 687 528 1 687 528 1 370 264 317 264 +23% Võtmenäitajad Jaan. 2024 YTD23 YTD24 Erinevus YoY ------------------------------------------------------------------------------- ROE 15,5% 15,5% 16,8% -1,3pp Kulu/ tulu suhe (C/I) 38,5% 38,5% 40,5% -2,0pp Soovitusindeks (NPS) 57 57 56 +1 Bigbank AS (www.bigbank.ee) on Eesti kapitalil põhinev era- ja äriklientide laenudele ja hoiustele keskendunud pank, millel on lisaks tegevusele Eestis filiaalid Soomes, Rootsis, Lätis, Leedus ja Bulgaarias ning mis pakub piiriülese teenusena oma tooteid ka Austrias, Saksamaal ja Hollandis. Bigbanki bilansimaht ületab 2 miljardit eurot. Argo Kiltsmann Juhatuse liige Telefon: +372 5393 0833 E-mail: argo.kiltsmann@bigbank.ee www.bigbank.ee
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Bigbank Financial Results for January 2024
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The year 2024 started with strong results for Bigbank. Business volumes increased in January, which was also reflected in the revenues. In a changing interest rate environment, where deposit interest rates have peaked and are expected to decline during 2024, many depositors are actively seeking opportunities to place their available funds under reasonable conditions. Bigbank continues to offer attractive interest rates in the market, and therefore, the deposit portfolio showed significant growth in January, reaching the level of 2.0 billion euros. Both the savings deposit portfolio and the term deposit portfolio showed growth individually. A significant milestone was the introduction of term deposits in Lithuania, marking the coverage of Bigbank's last domestic market where this product was not previously offered. Since January 2024, Bigbank offers term deposits on all its operating markets. The growth in the loan portfolio was driven by the home loan portfolio, although there was also slight growth in the business loan and consumer loan portfolios. There has been some revitalisation in the home loan market, partly due to changes in the interest rate environment and expectations of further declines in Euribor, as well as increased competition, ultimately resulting in more favorable interest rates for clients. The increased loan portfolio and the declining yet still high-interest rate environment have ultimately enabled Bigbank to increase net interest income in January compared to the previous year by 2 million euros or 27%. There is evidence of a certain continuation of the quality decline in the consumer loan portfolio that began in the last quarter of the previous year. This is confirmed by the increased volume of net loss allowances on loans and financial investments, which amounted to 2.5 million euros in January. However, the level of non-performing loan portfolio remains low, and the overall quality of the loan portfolio is good. A net profit of 3.2 million euros in January is a positive indicator. It is also gratifying that the cost-to-income ratio has decrease below the 40% level, with the January figure at 38.5%. Bigbank's January 2024 Financial Results: * Customer deposits and loans increased by 557 million euros to 2.0 billion euros (+39%) compared to the previous year. * Receivables from customers increased by 317 million euros to 1.69 billion euros (+23%) compared to the previous year. * Net interest income was 9.3 million euros in January. Compared to January of the previous year, there was an increase of 2.0 million euros (+27%). * The volume of net loss allowances on loans and financial investments amounted to 2.5 million euros in January; compared to the same period last year, there was an increase of 1.0 million euros or 62%. * The net profit for January was 3.2 million euros; compared to the same period in 2023, there was an increase of 0.2 million euros or 8%. * Return on equity was 15.5% in January. Income statement, in thousands of Difference euros Jan 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- Total net operating income, incl. 9,935 9,935 8,116 1,819 +22% Net interest income 9,347 9,347 7,349 1,998 +27% Net fee and commission income 722 722 662 60 +9% Total expenses, incl. -3,821 -3,821 -3,288 -533 +16% Salaries and associated charges -2,214 -2,214 -1,898 -317 +17% Administrative expenses -1,025 -1,025 -1,054 29 -3% Profit before loss allowances 6,114 6,114 4,828 1,285 +27% Net loss allowances on loans and financial investments -2,507 -2,507 -1,550 -957 +62% Income tax expense -358 -358 -275 -83 +30% Profit for the period from continuing operations 3,248 3,248 3,003 245 +8% Loss before tax from discounted operations 0 0 0 0 ------------------------------------------------------------------------------- Profit for the period 3,248 3,248 3,003 245 +8% ------------------------------------------------------------------------------- Business volumes, in thousands of Difference euros Jan 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- Customer deposits and loans received 2,002,513 2,002,513 1,445,100 557,413 +39% Loans to customers 1,687,528 1,687,528 1,370,264 317,264 +23% Key figures Difference Jan 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- ROE 15.5% 15.5% 16.8% -1.3pp Cost / income ratio (C/I) 38.5% 38.5% 40.5% -2.0pp Net promoter score (NPS) 57 57 56 +1 Bigbank AS (www.bigbank.eu) is an Estonian capital-based bank specialising in loans and deposits for private and business customers. In addition to operations in Estonia, the bank has branches in Finland, Sweden, Latvia, Lithuania, and Bulgaria and offers its products on a cross-border basis in Austria, Germany, and the Netherlands. Bigbank's total assets exceed 2 billion euros. Argo Kiltsmann Member of the Management Board Telephone: +372 5393 0833 Email: argo.kiltsmann@bigbank.ee www.bigbank.ee