Börsiteade
Bigbank AS
Kategooria
Muud korporatiivtoimingud
Kuupäev
13.12.2024 17:00:30
Pealkiri
Bigbank AS 2024. aasta novembri tulemused
Teade
November oli Bigbanki jaoks stabiilne ja kasumlik kasvukuu. Suurimat kasvu näitas taaskord kodulaenude portfell, suurenedes kuuga üle 25 miljoni euro. Ärilaenude portfell kasvas üle 16 miljoni euro, mis on samuti korralik tulemus. Tarbimislaenude portfell suurenes ligi 2 miljonit euro võrra. Kokku kasvas laenuportfell oktoobri lõpuga võrreldes ligi 44 miljoni eurot, mis on 2024. aasta vaates keskmisel tasemel tulemus. Hoiuste kaasamist mõjutas jätkuvalt langev intressikeskkond. Kui kuu alguses oli 6 kuu euribor veel 2,9% tasemel, siis kuu lõpuks oli 6 kuu euribor kukkunud alla 2,7%. See näitab, et viimase kvartali trendid jätkuvad ja süvenevad. Langev euribor toob leevendust ujuva intressimäärade laenuklientidele, kuid pankadele tähendab see langevaid intressitulusid. Samal ajal vähenevad ka hoiuste intressimäärad, kuid mitte euribori languse tempoga võrreldes. Seetõttu aeglustus hoiuseportfelli kasv - novembris suurenes see 15 miljoni euro võrra. Laenuportfelli krediidikvaliteet püsib eelnevate kuude tasemel. Esimese kvartali lõpus lõppenud lühiajaline kvaliteedi halvenemine on möödas, ja mittetöötavate laenude osakaal kogu laenuportfellist on endiselt madal. Laenunõuete ja finantsinvesteeringute allahindluste ning eraldiste kulude maht oli novembris 1,9 miljonit eurot, mis on 2024. aasta kuukeskmisest madalam tulemus. Novembri puhaskasum, 3,3 miljonit eurot, oli korralik tulemus. Võrreldes eelmise aasta 11 kuu koondtulemusega on Bigbanki puhaskasum vähenenud 2,0 miljonit eurot. Peamisteks languse põhjusteks on neto laenunõuete ja finantsinvesteeringute allahindluste ning eraldiste mahu suurenemine. Täiendava mõju on avaldanud ka palga- ja tulumaksukulu, mis tuleneb peamiselt Lätis krediidiasutustele kehtestatud tulumaksukohustusest, mida rakendatakse alates 2023. aasta detsembrist. Bigbanki 2024. aasta novembri majandustulemused: * Klientide hoiused ja saadud laenud kasvasid aastaga 446 miljonit eurot 2,4 miljardi euroni (+23%). * Nõuded klientidele kasvasid aastaga 503 miljonit 2,1 miljardi euroni (+31%). * Neto intressitulud olid novembris 8,9 miljonit eurot, aasta 11 esimese kuuga kokku 97,2 miljonit eurot. 11 esimese kuu võrdluses aasta taguse sama perioodiga oli kasv 6,0 miljonit eurot (+7%). * Neto laenunõuete ja finantsinvesteeringute allahindluste maht ja eraldiste kulu kokku oli aasta 11 esimese kuuga 23,2 miljonit eurot, võrreldes aasta taguse ajaga oli kasv 4,3 miljonit eurot ehk 23%. * Novembri puhaskasum oli 3,3 miljonit eurot. 11 esimese kuu kasum kokku moodustas 33,4 miljonit eurot, kahanedes võrreldes 2023. aasta sama perioodiga 2,0 miljonit eurot ehk 6%. * Omakapitali tootlus oli novembris 14,6%. Kasumiaruanne, tuhandetes November eurodes 2024 11 kuud 2024 11 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- Neto tegevustulud kokku, sh 9 777 106 198 102 280 3 917 +4% Neto intressitulu 8 925 97 208 91 170 6 038 +7% Neto teenustasud 802 8 335 7 565 770 +10% Tegevuskulud kokku, sh -3 858 -42 703 -42 239 -464 +1% Palgakulud -2 412 -24 377 -21 711 -2 666 +12% Halduskulud -795 -10 663 -13 780 3 117 -23% Kasum enne allahindluste kulu 5 919 63 495 60 042 3 453 +6% Neto laenunõuete ja finantsinvesteeringute allahindlused ja eraldiste kulu -1 890 -23 214 -18 898 -4 315 +23% Tulumaks -753 -6 872 -5 101 -1 771 +35% Aruandeperioodi jätkuvate tegevuste kasum 3 276 33 409 36 042 -2 633 -7% Kasum/Kahjum lõpetatud tegevustest 0 29 -557 586 ------------------------------------------------------------------------------- Aruandeperioodi kasum 3 276 33 438 35 485 -2 047 -6% ------------------------------------------------------------------------------- Ärimahud, tuhandetes November eurodes 2024 11 kuud 2024 11 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 2 372 949 2 372 949 1 927 322 445 627 +23% Nõuded klientidele 2 148 452 2 148 452 1 645 174 503 278 +31% Võtmenäitajad November 2024 11 kuud 2024 11 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- ROE 14,6% 14,1% 17,0% -2,9pp Kulu/ tulu suhe (C/I) 39,5% 40,2% 41,3% -1,1pp Soovitusindeks (NPS) 55 57 58 -1 Rohkem kui 30-aastase tegevusajalooga Bigbank AS (www.bigbank.ee (https://www.globenewswire.com/Tracker?data=FaBrrlwxMqGO4FmIUVGvAbGahftmZFZfWMmo NYGRyNHoJj0S_a5wyaWH7rvPoN5XtnLg3eWqhGKLycgvnCD5rZsWXCIXFO62lPRt3IGdWV484EFGB0ug aP-A1pmuQnv_S5xGWwIep4Evg8AgNBWO5uO57yyJukZoPV- WZE2Qopc0QMxUVIYXvZQLugRwoOaLbtWzf_VM6LQsEVona9xHyk6I4vGZOHVg6Q80McppQkc=)) on Eesti kapitalile kuuluv kommertspank. 30.novembri 2024 seisuga oli panga bilansimaht kokku 2,7 miljardit eurot ning omakapital 271 miljonit eurot. Üheksas riigis tegutseval pangal on kokku üle 150 000 aktiivse kliendi ning üle 500 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] (mailto:[email protected]) www.bigbank.ee (https://www.bigbank.ee)
Pealkiri
Bigbank AS Results for November 2024
Teade
November was a stable and profitable growth month for Bigbank. The greatest growth was once again shown by the home loans portfolio, increasing by over 25 million euros in a month. The business loans portfolio grew by more than 16 million euros, which is also a solid result. The consumer loans portfolio increased by nearly 2 million euros. Overall, the loan portfolio grew by almost 44 million euros compared to the end of October, which represents an average level result for 2024. The declining interest rate environment continued to impact deposit collection. While the 6-month Euribor was still at 2.9% at the beginning of the month, by the end of the month, it had fallen below 2.7%. This indicates that the trends of the last quarter are continuing and deepening. The falling Euribor brings relief to loan customers with floating interest rates, but for banks, it means declining interest income. At the same time, deposit interest rates are also decreasing, but not at the same pace as the Euribor decline. As a result, the growth of the deposit portfolio slowed, increasing by 15 million euros in November. The credit quality of the loan portfolio remains at the level of previous months. The short-term deterioration in quality, which ended at the close of the first quarter, is behind us, and the proportion of non-performing loans in the total loan portfolio remains low. The costs for loan and financial investment impairments and provisions amounted to 1.9 million euros in November, which is below the monthly average for 2024. November's net profit of 3.3 million euros was a solid result. Compared to the cumulative results for the first 11 months of the previous year, Bigbank's net profit decreased by 2.0 million euros. The main reasons for this decline are the increase in net loan and financial investment impairments and provisions. Additional impact has also come from salary and income tax expenses, primarily due to the income tax obligation imposed on credit institutions in Latvia, which has been in effect since December 2023. Bigbank's financial results for November 2024: * Deposits from customers and loans received increased by 446 million euros year-on-year, reaching 2.4 billion euros (+23%). * Loans to customers increased by 503 million euros year-on-year, reaching 2.1 billion euros (+31%). * Net interest income was 8.9 million euros in November, totalling 97.2 million euros for the first 11 months of the year. Compared to the same period last year, the growth for the first ten months was 6.0 million euros (+7%). * Net loss allowances for loans and financial investments and provision expenses amounted to 23.2 million euros for the first 11 months of the year. Compared to the same period last year, this was an increase of 4.3 million euros or 23%. * November's net profit was 3.3 million euros. The cumulative profit for the first 11 months was 33.4 million euros, decreasing by 2.0 million euros or 6% compared to the same period in 2023. * Return on equity was 14.6% in November. Income statement, in thousands of Difference euros Nov 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- Total net operating income, incl. 9,777 106,198 102,280 3,917 +4% Net interest income 8,925 97,208 91,170 6,038 +7% Net fee and commission income 802 8,335 7,565 770 +10% Total expenses, incl. -3,858 -42,703 -42,239 -464 +1% Salaries and associated charges -2,412 -24,377 -21,711 -2,666 +12% Administrative expenses -795 -10,663 -13,780 3,117 -23% Profit before loss allowances 5,919 63,495 60,042 3,453 +6% Net loss allowances on loans and financial investments and other provisions -1,890 -23,214 -18,898 -4,315 +23% Income tax expense -753 -6,872 -5,101 -1,771 +35% Profit for the period from continuing operations 3,276 33,409 36,042 -2,633 -7% Profit or loss before tax from discounted operations 0 29 -557 586 ------------------------------------------------------------------------------- Profit for the period 3,276 33,438 35,485 -2,047 -6% ------------------------------------------------------------------------------- Business volumes, in thousands of Difference euros Nov 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- Customer deposits and loans received 2,372,949 2,372,949 1,927,322 445,627 +23% Loans to customers 2,148,452 2,148,452 1,645,174 503,278 +31% Key figures Difference Nov 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- ROE 14.6% 14.1% 17.0% -2.9pp Cost / income ratio (C/I) 39.5% 40.2% 41.3% -1.1pp Net promoter score (NPS) 55 57 58 -1 Bigbank AS (www.bigbank.eu (https://www.globenewswire.com/Tracker?data=sv9rKeZPSnPYQ_6lcHq_6FkWspncmqdYZvIW TGH4etHprL2gG6zmINk-6tQG95uxQzJYGdaBeeZbkIuSB0LE9NMHf5uU-c77aksP-ogT8ex8L10F- qEmJMqa87Olb1fvQJ8dkxudxBSmB7jBlpK0WrzaQfYQ71iBSXv6G6A5PsXydUo1dB5TicW86CS55T7PD ShztCYmcPAdbHw6GLmZqgyrWoqeysVwAw7PBclIOXyKLQPnXb- VWPDGqqYn_b4TCDxi4vyZnInBHGFwmIO7u2VZHRVoN1YpueygKLCPL05sfDhbfrFahwl4dbe7eto5O2G kefEpTGJ8tU3rHsQS2gxlMkQtf8WJ0Q6kq6GHKiDPndjoQtX_n- C0pP5kW_Pag96UqHToK_FDbdMI8btlXLEZfY-A_Cq1QjytWIX93h4=)), with over 30 years of operating history, is a commercial bank owned by Estonian capital. As of 30 November 2024, the bank's total assets amounted to 2.7 billion euros, with equity of 271 million euros. Operating in nine countries, the bank serves more than 150,000 active customers and employs over 500 people. The credit rating agency Moody's has assigned Bigbank a long-term deposit rating of Ba1, as well as a baseline credit assessment (BCA) and adjusted BCA of Ba2. Argo Kiltsmann Member of the Management Board Tel: +372 53 930 833 Email: [email protected] (https://www.globenewswire.com/Tracker?data=uXmFzYeBtNj4GFzRIfu6qg1caCEeRYp0jOjE CDI1XRah9BkXebDaQRg1UKya-dQ5fK8e7kORX8-woftcIATKz9Hk7Xp_nd5SX7133STuFr6QnHqk- tgpIS_zVBt41fVluYCzniAKyMyUVXU9E- B805ypPwYbE9wKCyuouPlHqEbJf9GUZqq5bCGEpfzys1Jw7qzl6BSi1FYz8MdiEvRF4aCMzHG6lSuiJk ZMoz4f77ydAv7onQIKVRB_Hz5sosDDw6R9vAKqaidTHs6Xn8Iy5jvPx6LHuFdOFiv6uLxwpQjhCK_ieY 1AxEk8IgbPkvLsF_hdnZI8rpCXZDv15XZq1LejpnRE10gHA7NrMgyUtFgL6Pmv- AnFJ93ZiyLM9ZxtLoXX211KAwqbHmnGZubXWGT-X-9uWq_m4-oj5bSk9abalCxn9X- DxMQ0u4q9DjzfHJhwY6- LhjgQxstAfMq511SyaTQVRM5bXrObHai5gOrwISVutF31lquVzSmzQNZhh_Uzhc52DH7u2aL- hDh3w1RKkNuqJ4lfmy-4WkprOYbn- AoG7QQmOeUDOkxWEJwH9eiCcoAOqUCh2gDIi2CzuyUjsJPvfRFlmOpLVfCNZJd_8Bl8Uq8MuPWIuKu5r oD9AS4Hjz- PWVBOBVk4wsDdqJLvjtkpnUw3iHFDR0aq3RNGN2ABuQHW0CryZ2pQHILNi9sfi_GgwWte21JwxaAJ9sU IuuW6QngSraw2s_mHIeJV2bVD7PBN1vkasBLW0eBJMwqkyji1GD07ehyed0eBfIbl9Rpg2SY- _7tbn5FNFHCciqYeJI0f34qJnAIst6fV2oLWqZV-rdtmQ- OCcpWEh1MzM4mALlrjAx_eKYgwmKeueFpcz0AGs9t8HIwlagoiH7VWxJeFWUnkIldhYhtkps4Amxj3ql DFIG5PsiXuMM9dyUmr5B2efdCS4gKhiQkwQMkH-FBfB2toXUAKFSQ6CkNt9Anj- WGSIi_X6aBn4Xn0VLVKGkPsFMOUWhn0bQDoajrNTA4TUu-EzfSVwdlKB7052Nh15- y7TXBAo1VbvnGJSqWSPtflgFtzcpIGhVxLHv4sthZZfsW2OzRGhbS5VqtUyjzhkCkMz7f1J_DwD8E9pO bYcBhE_VgB3HyNQSPp0d45wGOptjuI7DGUiK_ciA9eSpvnvfU5qL45RnmTC1ERfAkIO6Tys4AZtGQwW6 qHz6ScKVVSQVlW6IN0V2bzhpGQDg-GRpgco_eYxKt8M9P5rDSxX7GILJ2Ph1ibRztA) www.bigbank.ee (https://www.globenewswire.com/Tracker?data=sv9rKeZPSnPYQ_6lcHq_6H6wI2g4e1bX839s POcmeJ0gGtYsYCmkjUIKjUDelN_q12_CD8Q7iWaX5tshZ_DuzMMONB2SDX4mOYy1eYC1VFm5- 7Fztqy844JrDpcYnd_Uo061n-k5thtO07fD62VeVTjDCcDq- 0yaW38zhgm6ALG_TVZBp3vJH5dqPuonxcxa29rLYojGScmNo57doZpTjFVEgt78QhFMPwpXqA7hnrSb_ Gd3kMB1Lf5exXCOORShhizqraDNajNJHotyAotzN65pSTG0WgBOHCbUu2ULlxVFIDZMbINRgtJ77fJev M8GHtkJa0gFmB8VVHG8LtfJBLd-cgVyXl3pYxdB3EMIm_ANMNQm-Uae9GyjI- 7OIrBGlF9fDN0df16C9uJGbMjyyOxHVeckn94XpQE7PVAznJR2XY_eD8ZygaVSDsOiIKSLUF3pQLp7lg VFVFzapjW4K86-aAqd9lhX6kH2zRyKbco7XRJZUIvKMpx9vZc1mo8Q0ed82jVdzsCTbu25kE- l0BqCTMRM76- _6VgMeevXMX9xPOt9x7ayMUc5dXQ5d9WFgGeCfvDcCHUHZLhRSqIb1lRGMXNn7oK3ephuDutA1MqipiI KRXMUMvSgjnn0hk79gTD4y22_RU9EcWyC4THhnQskObZU90qAXMiMTSRw9_Am3_fcMpdKQTtE1xS_W7t MaCw3ctsQAXNzyAhrDP-dPfRD3edzK9Ah48yxakTJavJqwm- SiXM2oE9UiIvUITP9boDuOSWKHUO1o_i8YADQiZ6mjvR3WXXabG8LUpSsBx96PGpqB5E7InDi1rqMPcN aNmfs_6ApG3XdjgCSCs9OB824rdxrlzIcdWAjTp1SaVWkLwptf0LLjgPraVw0QajULSoK7czyj0IgGpp iQbHA9mTnf6jOOHcEr39ezr7y9uAa8_RAtW0RRtMHW_JkZhrTjFgDiJkcKLVIN-RzSb40a6m- KhVhVq7ror8kcvucvAYY_OiYcRkfevUnI8OLKuYi)