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23.04.2025 08:00:29
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Coop Pank 2025. aasta I kvartali auditeerimata majandustulemused
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2025. aasta I kvartali lõpu seisuga oli Coop Pangal 213 000 klienti, klientide arv kasvas kvartaliga 5000 kliendi võrra (+2%) ja aastaga 23 000 võrra (+12%). Aktiivselt arveldavaid kliente oli 101?800, kvartaliga kasvas aktiivselt arveldavate klientide arv 2400 võrra (+3%) ja aastaga 17 400 võrra (+21%). Coop Panga hoiuste maht kasvas 2025. aasta I kvartalis 29 miljoni euro võrra (+2%), ulatudes 1,91 miljardi euroni. Eraklientide hoiuste portfell kasvas 15 miljoni euro võrra: nõudmiseni hoiused kasvasid 9 miljoni euro võrra ja tähtajalised hoiused kasvasid 6 miljoni euro võrra. Äriklientide hoiuste maht kasvas 39 miljoni euro võrra: nõudmiseni hoiused kasvasid 36 miljoni euro võrra ja tähtajalised hoiused kasvasid 3 miljoni euro võrra. Rahvusvahelise hoiuste kaasamise platvormi Raisin hoiused ja muu finantseering kahanes 24 miljoni euro võrra. Võrreldes 2024. aasta I kvartaliga on Coop Panga hoiuste maht kasvanud 221 miljoni euro võrra (+13%). Aastases võrdluses on panga nõudmiseni hoiuste osakaal kõigist hoiustest kasvanud 30% pealt 32% peale. 2025. aasta I kvartalis oli finantseerimiskulu 2,8%, eelmisel aastal samal ajal 3,5%. 2025. aasta I kvartalis kasvas Coop Panga neto laenuportfell 44 miljoni euro võrra (+3%), ulatudes 1,81 miljardi euroni. Suurimat kasvu näitasid äri- ja kodulaenude portfellid, mis mõlemad kasvasid kvartaliga 22 miljonit eurot (+3%). Liisingu ja Tarbimisfinantseerimise portfellid jäid võrreldes eelmise kvartaliga samale tasemele. 2024. aasta I kvartaliga võrreldes on laenuportfell kasvanud 287 miljoni euro võrra (+19%). 2025. aasta I kvartalis püsis Coop Panga viivises olev laenuportfell 2,1% tasemel. Aasta tagasi oli viivises olev laenuportfell 2,4% tasemel. Finantsvarade allahindluse kulu oli 2025. aasta I kvartalis 0,2 miljonit eurot, mida on 1,6 miljonit eurot (-88%) vähem kui eelmises kvartalis ja 0,4 miljonit eurot (-61%) vähem kui oli 2024. aasta I kvartalis. Coop Panga netotulud olid 2025. aasta I kvartalis 19,3 miljonit eurot, kahanedes kvartaalses võrdluses 3% ja aastases võrdluses 5%. Tegevuskulud ulatusid I kvartalis 9,5 miljoni euroni, kahanedes kvartaalses võrdluses 12% ja kasvades aastases võrdluses 1%. Coop Pank teenis 2025. aasta I kvartalis 7,9 miljonit eurot puhaskasumit, mida on 24% rohkem kui eelmises kvartalis ja 13% vähem kui aasta tagasi. Panga kulude ja tulude suhe oli I kvartalis 49% ning omakapitali tootlus 14,7%. Coop Pangal on 31.03.2025 seisuga 35?200 aktsionäri. Coop Panga juhatuse esimehe Margus Rinki kommentaar tulemustele: ?Viimastel kvartalitel oleme näinud majanduskeskkonnas positiivseid märke - hinnatõusu pidurdumine, intressimäärade alanemine, stabiilsed energiahinnad. Paraku on aga viimased kuud toonud uudiseid kaubandussõdadest, mis puudutavad küll eelkõige maailmamajandust, kuid muudavad ärevaks ka kohalikud ettevõtjad. Kui möödunud aasta lõpus nägime, et ettevõtjad olid pärast pikka ootamist oma investeerimisplaanid taas välja võtnud ja tegutsema asunud, siis nüüd on taas tunda nende julguse hajumist. Sellest hoolimata pakub langevata intresside keskkond investeeringuteks häid võimalusi ja vähendab finantseerimiskulu nii juriidilistel- kui ka eraisikutel. Pangale tähendab see intressitulude langust, mida on võimalik kompenseerida üksnes ärimahtude kasvuga. Esimeses kvartalis kasvatas Coop Pank oma ärimahte turu kasvust kaks korda kiiremini - korraliku kasvu tegid nii klientide arv, kui ka hoiuste- ja laenuportfell. Kvartali lõpuks kuulus Coop Pangale 6,3% hoiuste turuosast ja 6,6% laenude turuosast. Ärimahtude kasv, laenuportfelli kõrge kvaliteet ja kulude kontrolli alla hoidmine päädis esimeses kvartalis Coop Panga jaoks tugeva puhaskasumiga: 7,9 miljonit eurot. Panga kulude ja tulude suhe oli esimeses kvartalis 49% ning omakapitali tootlus 14,7%. Kantar EMOR Eesti suurimate teenindusettevõtete soovitusindeksi värske uuring näitab, et Coop Pank on enim soovitatud pank Eestis. Coop Pank emiteeris märtsis Iiri börsil esmakordselt 250 miljoni euro väärtuses nelja-aastase tähtajaga pandivõlakirju, mis oli esimene osa 750 miljoni eurosest pandikirjaprogrammist. Esimene pandikirja emissioon rahvusvahelisel turul lisab Coop Panga käsutusse täiendava pikaajalise stabiilse rahastusallika, mida kasutatakse, et finantseerida Eestis tegutsevate äride kasvu." Kasumiaruanne, tuhandetes eurodes 2025 I kv 2024 IV kv 2024 I kv ------------------------------------------------------------------------- Neto intressitulud 17 930 19 149 19 082 Neto teenustasutulud 1 155 1 303 1 014 Muud tegevustulud, neto 225 -483 125 ------------------------------------------------------------------------- Netotulud kokku 19 310 19 969 20 221 ------------------------------------------------------------------------- Tööjõukulud -5 578 -6 007 -5 409 Turunduskulud -358 -788 -533 Rent, kontorikulud ja mat. põhivara kulum -807 -798 -795 IT kulud ja immat. põhivara kulum -1 613 -1 731 -1 405 Muud kulud -1 162 -1 473 -1 286 ------------------------------------------------------------------------- Tegevuskulud kokku -9 519 -10 798 -9 427 ------------------------------------------------------------------------- Kasum enne allahindluste kulu 9 791 9 171 10 794 Finantsvarade allahindlus -226 -1 821 -576 Kasum enne tulumaksu 9 565 7 351 10 218 Tulumaksu kulu -1 652 -957 -1 080 ------------------------------------------------------------------------- Aruandeperioodi puhaskasum 7 913 6 393 9 138 ------------------------------------------------------------------------- ------------------------------------------------------------------------- Puhaskasum aktsia kohta, eur 0,08 0,06 0,09 Lahustatud puhaskasum aktsia kohta, eur 0,08 0,06 0,09 ------------------------------------------------------------------------- Finantsseisundi aruanne, tuhandetes eurodes 31.03.2025 31.12.2024 31.03.2024 Raha ja raha ekvivalendid 564 441 343 678 380 644 Võlainstrumendid 49 536 37 751 36 460 Laenud klientidele 1 818 109 1 774 118 1 531 038 Muud varad 34 711 33 066 31 320 ----------------------------------------------------------------------------- Varad kokku 2 466 796 2 188 614 1 979 461 ----------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 1 914 526 1 886 145 1 693 254 Emiteeritud võlaväärtpaberid 250 250 0 0 Muud kohustised 19 096 27 683 27 698 Allutatud laenud 63 363 63 148 63 239 ----------------------------------------------------------------------------- Kohustised kokku 2 247 235 1 976 977 1 784 191 ----------------------------------------------------------------------------- Omakapital 219 561 211 637 195 270 ----------------------------------------------------------------------------- Kohustised ja omakapital kokku 2 466 796 2 188 614 1 979 461 ----------------------------------------------------------------------------- Coop Panga aruanded on leitavad aadressilt: https://www.cooppank.ee/aruandlus Coop Pank korraldab 2025. aasta I kvartali majandustulemuste tutvustamiseks veebiseminari 23. aprillil 2025 kell 9.00. Osalemiseks palume eelnevalt registreeruda aadressil: https://bit.ly/CP-veebiseminar-osalemine-23042025 Veebiseminar salvestatakse ning avalikustatakse Coop Panga kodulehel www.cooppank.ee (http://www.cooppank.ee) ja YouTube'i kontol (https://www.youtube.com/@cooppank). Eesti kapitalil põhinev Coop Pank on üks viiest Eestis tegutsevast universaalpangast. Pangal on 213 000 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])
Pealkiri
Coop Pank unaudited financial results for Q1 2025
Teade
By the end of the Q1 2025, Coop Pank had 213,000 customers, increased by 5,000 customers in the quarter (+2%) and by 23,000 in the year (+12%). The bank had 101,800 active customers, increased by 2,400 (+3%) in the quarter and by 17,400 (+21%) in the year. In Q1 2025, volume of deposits in Coop Pank decreased by 29 million euros (+2%), reaching total of 1.91 billion euros. Deposits from private clients increasing by 15 million euros: demand deposits increased by 9 million euros and term deposits increased by 6 million euros. Deposits from domestic business customers increased by 39 million euros: demand deposits increased by 36 million euro and term deposits increased by 3 million euros. Deposits from international deposit platform Raisin and other financing decreased by 24 million euros. Compared to Q1 2024, volume of Coop Pank's deposits has increased by 221 million euros (+13%). In an annual comparison, share of demand deposits of total deposits has increased from 30% to 32%. In Q1 2025, the bank's financing cost was 2.8%, at the same time last year the financing cost was 3.5%. In Q1 2025, net loan portfolio of Coop Pank increased by 44 million euros (+3%), reaching 1.81 billion euros. Business loans and home loans portfolio showed the biggest growth, both increased by 22 million euros (+3%). The volumes of leasing portfolio and consumer finance portfolio remained at the same level compared to the previous quarter. Compared to Q1 2024, total loan portfolio of Coop Pank has grown by 287 million euros (+19%). In Q1 2025, overdue loan portfolio of Coop Pank remained steady at the level 2.1%. A year ago, overdue loan portfolio was at the level of 2.4%. Impairment costs of financial assets in Q1 2025 were 0.2 million euros, which is 1.6 million euros (-88%) less than in previous quarter and 0.4 million euros (- 61%) less than in Q1 2024. Net income of Coop Pank in Q1 2025 was 19.3 million euros, decreasing by 3% in a quarterly comparison and by 5% in an annual comparison. Operating expenses reached 9.5 million euros in Q1 - operating expenses decreased by 12% in the quarterly comparison and increased by 1% in the annual comparison. In Q1 2025, net profit of Coop Pank was 7.9 million euros, which is 24% more than in the previous quarter and 13% less than a year ago. In Q1 2025, cost to income ratio of the bank was 49% and return on equity was 14.7%. As of 31 March 2025, Coop Pank has 35,200 shareholders. Margus Rink, Chairman of the Management Board of Coop Pank, comments the results: "In recent quarters, we have seen positive signs in the economic environment - a slowdown in inflation, declining interest rates, and stable energy prices. Unfortunately, the past few months have also brought news of trade wars, which mainly affect the global economy, but they have also caused concern among local businesses. At the end of last year, we saw that, after a long wait, entrepreneurs had dusted off their investment plans and started to take action again, now, however, we can once again sense a decline in their confidence. Despite this, the declining interest rate environment offers good opportunities for investment and reduces financing costs for both legal entities and private individuals. For the bank, it means a drop in interest income, which can only be compensated by growing business volumes. In the first quarter, Coop Pank grew its business volumes at twice the rate of market growth - with solid increases in the number of clients, as well as in deposits and the loan portfolio. By the end of the quarter, Coop Pank held a 6.3% market share in deposits and a 6.6% share in loans. Growth in business volumes, the high quality of the loan portfolio, and effective cost control resulted in a strong net profit for Coop Pank in the first quarter: 7.9 million euros. The bank's cost-to-income ratio for Q1 was 49% and return on equity was 14.7%. According to recent research by Kantar Emor on the Net Promoter Score (NPS) of Estonia's largest service companies, Coop Pank is the most recommended bank in Estonia. In March, Coop Pank issued covered bonds for the first time on the Irish Stock Exchange, in the amount of 250 million euros with a maturity of four years. This was the initial tranche of a 750 million euros covered bond program. The bank's first international covered bond issuance provides Coop Pank with an additional long-term and stable funding source, which will be used to support the growth of businesses operating in Estonia." Income statement, in th. of euros Q1 2025 Q4 2024 Q1 2024 ----------------------------------------------------------------------------- Net interest income 17 930 19 149 19 082 Net fee and commission income 1 155 1 303 1 014 Net other income 225 -483 125 ----------------------------------------------------------------------------- Total net income 19 310 19 969 20 221 ----------------------------------------------------------------------------- Payroll expenses -5 578 -6 007 -5 409 Marketing expenses -358 -788 -533 Rental and office expenses, depr. of tangible assets -807 -798 -795 IT expenses and depr. of intangible assets -1 613 -1 731 -1 405 Other operating expenses -1 162 -1 473 -1 286 ----------------------------------------------------------------------------- Total operating expenses -9 519 -10 798 -9 427 ----------------------------------------------------------------------------- Net profit before impairment losses 9 791 9 171 10 794 Impairment costs on financial assets -226 -1 821 -576 Net profit before income tax 9 565 7 351 10 218 Income tax expenses -1 652 -957 -1 080 ----------------------------------------------------------------------------- Net profit for the period 7 913 6 393 9 138 ----------------------------------------------------------------------------- ----------------------------------------------------------------------------- Earnings per share, eur 0,08 0,06 0,09 Diluted earnings per share, eur 0,08 0,06 0,09 ----------------------------------------------------------------------------- Statement of financial position, in th. of euros 31.03.2025 31.12.2024 31.03.2024 ------------------------------------------------------------------------------- Cash and cash equivalents 564 441 343 678 380 644 Debt securities 49 536 37 751 36 460 Loans to customers 1 818 109 1 774 118 1 531 038 Other assets 34 711 33 066 31 320 ------------------------------------------------------------------------------- Total assets 2 466 796 2 188 614 1 979 461 ------------------------------------------------------------------------------- Customer deposits and loans received 1 914 526 1 886 145 1 693 254 Debt securities issued 250 250 0 0 Other liabilities 19 096 27 683 27 698 Subordinated debt 63 363 63 148 63 239 ------------------------------------------------------------------------------- Total liabilities 2 247 235 1 976 977 1 784 191 ------------------------------------------------------------------------------- Equity 219 561 211 637 195 270 ------------------------------------------------------------------------------- Total liabilities and equity 2 466 796 2 188 614 1 979 461 ------------------------------------------------------------------------------- The reports of Coop Pank are available at: https://www.cooppank.ee/en/reporting Coop Pank will organise a webinar on 23 April 2025 at 9:00 AM, to present the financial results of Q1 2025. For participation, please register in advance at: https://bit.ly/CP-veebiseminar-osalemine-23042025 The webinar will be recorded and published on the company's website www.cooppank.ee (http://www.cooppank.ee) and on the YouTube channel (https://www.youtube.com/@cooppank). Coop Pank, based on Estonian capital, is one of the five universal banks operating in Estonia. The bank has 213,000 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])