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Results of the Offering of Unsecured Subordinated Bonds of Bigbank AS

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The public offering of Bigbank AS (Bigbank) unsecured subordinated bonds
(the?Offering) ended on Thursday, 19 June 2025.?It was the first series under
Bigbank's unsecured subordinated bond programme, which was conducted based on
the base prospectus of subordinated bonds programme. Under the programme it is
possible for Bigbank to raise up to 25 million euros in total.

In the course of the Offering, up to 3,000 unsecured subordinated bonds, with
the nominal value EUR 1,000 each, the maturity date 27 June 2035 and fixed
interest rate of 6.5% per annum, payable quarterly, were offered by Bigbank. In
case of oversubscription, Bigbank had the right to increase the volume of the
Offering by up to 5,000 bonds to the total of up to 8,000 bonds. The Offering
was carried out only in Estonia, Latvia and Lithuania.

1,050 investors participated in the subscription and submitted subscription
orders for the subordinated bonds in the total amount of 12.9 million euros.
Therefore, the base issue volume of 3 million euros was oversubscribed by more
than 4 times. Bigbank exercised its right to increase the volume of the
Offering, bringing the total final volume to 6 million euros.

The Management Board of Bigbank decided to allocate the bonds according to the
following principles:

 1. All subscription orders from the same subscriber were summed up;

 1. Subscriptions up to the amount of 13,000 euros were accepted in full;

 1. Employees, management and supervisory members of companies belonging to
    Bigbank group were allocated 100% of the amount subscribed;

 1. Investors were allocated 1.95% of the amount subscribed exceeding 13,000
    euros;

 1. The number of bonds with decimal places was rounded to the closest whole
    number.

Martin Länts, Chairman of the Management Board at Bigbank, expressed his
gratitude to all investors who participated in the public offering, thanking
them for their trust in the bank's strategy and growth outlook. "The
subscription results clearly reflect strong investor confidence in Bigbank's
future plans. The capital raised will enable us to continue executing our
business strategy, with a focus on expanding in the housing and corporate loan
segments, while ensuring compliance with regulatory capital requirements," said
Martin Länts.

The Bonds are expected to be transferred to the securities accounts of investors
on or about 27?June 2025 and the first trading day of the bonds on the Baltic
Bonds List of Nasdaq Tallinn Stock Exchange is expected to be on or about 30
June 2025.

Bigbank AS (www.bigbank.eu) (https://www.bigbank.eu/), with over 30 years of
operating history, is a commercial bank owned by Estonian capital. As of 31 May
2025, the bank's total assets amounted to 3.0 billion euros, with equity of 278
million euros. Operating in nine countries, the bank serves more than 172,000
active customers and employs 600 people. The credit rating agency Moody's has
assigned Bigbank a long-term bank deposit rating of Ba1, along with a baseline
credit assessment (BCA) and an adjusted BCA of Ba2.

Argo Kiltsmann
Member of the Management Board
Telephone: +372 5393 0833
Email:[email protected]
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