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Finantsinspektsioon confirmed the capital requirements and guidelines of Coop Pank AS at the current level

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Finantsinspektsioon  has carried  out annual  Supervisory Review  and Evaluation
Process  (SREP) and  confirmed in  its letter  to Coop  Pank AS  dated 18(th) of
December  2025 that the  capital requirements  and guidance  will remain  at the
current  levels, as  approved by  the decision  of the  Management Board  of the
Finantsinspektsioon on 2(nd) of December 2024.

According  to the decision  of Finantsinspektsioon, the  Pillar 2 requirement of
2.75% and the Pillar 2 guidance of 1.50% of the total risk position remain to be
valid to Coop Pank AS.

The capital requirements and buffers of Coop Pank AS are as follows:

+----------------------------------------------+-----------------------------+
|                                              |Affirmed capital requirements|
+----------------------------------------------+-----------------------------+
|Common Equity Tier 1 capital (CET1)           |                       10,55%|
+----------------------------------------------+-----------------------------+
|   Base requirement                           |                        4,50%|
+----------------------------------------------+-----------------------------+
|   Capital conservation buffer                |                        2,50%|
+----------------------------------------------+-----------------------------+
|   Countercyclical buffer                     |                        1,50%|
+----------------------------------------------+-----------------------------+
|   Systematically important institution buffer|                        0,50%|
+----------------------------------------------+-----------------------------+
|   Pillar 2 requirement (P2R)                 |                        1,55%|
+----------------------------------------------+-----------------------------+
|                                              |                             |
+----------------------------------------------+-----------------------------+
|Tier 1 capital                                |                       12,56%|
+----------------------------------------------+-----------------------------+
|   Base requirement                           |                        6,00%|
+----------------------------------------------+-----------------------------+
|   Capital conservation buffer                |                        2,50%|
+----------------------------------------------+-----------------------------+
|   Countercyclical buffer                     |                        1,50%|
+----------------------------------------------+-----------------------------+
|   Systematically important institution buffer|                        0,50%|
+----------------------------------------------+-----------------------------+
|   Pillar 2 requirement (P2R)                 |                        2,06%|
+----------------------------------------------+-----------------------------+
|                                              |                             |
+----------------------------------------------+-----------------------------+
|Total capital adequacy (CAD)                  |                       15,25%|
+----------------------------------------------+-----------------------------+
|   Base requirement                           |                        8,00%|
+----------------------------------------------+-----------------------------+
|   Capital conservation buffer                |                        2,50%|
+----------------------------------------------+-----------------------------+
|   Countercyclical buffer                     |                        1,50%|
+----------------------------------------------+-----------------------------+
|   Systematically important institution buffer|                        0,50%|
+----------------------------------------------+-----------------------------+
|   Pillar 2 requirement (P2R)                 |                        2,75%|
+----------------------------------------------+-----------------------------+
|                                              |                             |
+----------------------------------------------+-----------------------------+
|Pillar 2 guidance (P2G)                       |                        1,50%|
+----------------------------------------------+-----------------------------+


According to Paavo Truu, CFO of Coop Pank, Coop Pank fulfills all applicable
capital requirements with a margin and is sufficiently capitalized for continued
growth.

Coop Pank, based on Estonian capital, is one of the five universal banks
operating in Estonia. The number of clients using Coop Pank for their daily
banking reached 225,800. 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: 5160 231
E-mail: [email protected] (mailto:[email protected])