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Pealkiri

Bigbank AS Results for January 2026

Teade

Bigbank started 2026 with strong growth and solid profitability.

The growth of the loan portfolio was driven by the business loan portfolio,
which increased by 62 million euros in January. The home loan portfolio grew by
9 million euros, while the consumer loan portfolio remained at the level of the
end of 2025. In total, the loan portfolio increased by 71 million euros in the
first month of the year, marking one of the largest monthly loan portfolio
growth figures in Bigbank's history.

The deposit portfolio grew even more strongly in January. Bigbank's attractive
deposit interest rates continued to bring in a large number of customers in both
term deposits and savings deposits. The bank also continued to increase current
account balances in the Baltics under market?leading interest conditions. The
savings deposit portfolio increased by 62 million euros in January, the term
deposit portfolio by 46 million euros, and current account balances by 5 million
euros. Altogether, the deposit portfolio grew by 112 million euros.

Net interest income exceeded last January's result by 1.2 million euros. As the
interest rate environment has remained relatively stable since mid?2025, the
year?on?year growth in net interest income is increasingly driven by the
substantial expansion of the loan portfolio. At the same time, the impact of
interest rates being still somewhat lower than 12 months ago has diminished.

The credit quality of the loan portfolio remained strong. The total expense on
the net allowance for expected credit losses and provisions amounted to 1.0
million euros in January, which is 0.7 million euros less than in the same month
last year. The share of non?performing exposures (Stage 3) remained at the level
of the end of 2025, accounting for 4.3% of all loan receivables.

Bigbank employed 655 people at the end of January. Team expansion and salary
growth resulted in a 0.8?million?euro increase in personnel expenses compared to
January of the previous year. Administrative expenses increased by 0.2 million
euros over the same period.

Net profit for January amounted to 3.8 million euros. The increase in net
interest income driven by business growth, together with the reduction in
expected credit losses due to the strong quality of the loan portfolio, had a
greater positive effect on profitability than the increase in personnel and
administrative expenses. Net profit increased by 0.8 million euros year?on?year,
or 25%.

Bigbank's key financial indicators for January 2026:

  * Customer deposits and loans received increased by 447 million euros
    year?on?year, reaching 3.0 billion euros (+18%).
  * Loans to customers grew by 546 million euros year?on?year, reaching 2.8
    billion euros (+25%).
  * Net interest income totalled 9.7 million euros in January, increasing by
    1.2 million euros compared to January last year (+14%).
  * The net allowance for expected credit losses and provisions amounted to 1.0
    million euros, which is 0.7 million euros less than a year ago (?42%).
  * Net profit for January was 3.8 million euros, up by 0.8 million euros
    compared to January 2025 (+25%).
  * Return on equity (ROE) for January was 15.1%.

 Income statement, in thousands of                                  Difference
 euros                                Jan 2026     YTD26     YTD25     YoY
-------------------------------------------------------------------------------
 Total net operating income, incl.      10,529    10,529     9,334   1,195 +13%

 Net interest income                     9,657     9,657     8,479   1,178 +14%

 Net fee and commission income             879       879       833      45  +5%

 Total expenses, incl.                  -5,007    -5,007    -3,924  -1,082 +28%

 Salaries and associated charges        -3,234    -3,234    -2,406    -829 +34%

 Administrative expenses                  -980      -980      -826    -154 +19%

 Profit before loss allowances           5,522     5,522     5,409     113  +2%

 Net allowance for expected credit
 losses and provision expenses          -1,034    -1,034    -1,773     738 -42%

 Income tax expense                       -709      -709      -615     -94 +15%

 Profit for the period from
 continuing operations                   3,779     3,779     3,022     757 +25%

 Profit or loss before tax from
 discounted operations                       0         0         0       0
-------------------------------------------------------------------------------
 Profit for the period                   3,779     3,779     3,022     757 +25%
-------------------------------------------------------------------------------




 Business volumes, in thousands of                                  Difference
 euros                                Jan 2026     YTD26     YTD25     YoY
-------------------------------------------------------------------------------
 Customer deposits and loans
 received                            2,999,252 2,999,252 2,552,433 446,819 +18%

 Loans to customers                  2,768,186 2,768,186 2,222,375 545,811 +25%



 Key figures                                                        Difference
                                      Jan 2026     YTD26     YTD25     YoY
-------------------------------------------------------------------------------
 ROE                                     15.1%     15.1%     13.4%  +1.7pp

 Cost / income ratio (C/I)               47.6%     47.6%     42.0%  +5.5pp

 Net promoter score (NPS)                   58        58        58      +0


Bigbank AS (www.bigbank.eu
(https://www.globenewswire.com/Tracker?data=_3VWST7iqQmCAqRNYr7YWVBGMvPAco2kzLsY
SG4jIaCIjbF9QS11tgTHwlCHviu4DsFaVUTFwUCEyCfUtSfVKbTTvDR0bQIb7WK1NmwsqKw=)), with
over 30 years of operating history, is a commercial bank owned by Estonian
capital. As of 31 January 2026, the bank's total assets amounted to 3.4 billion
euros, with equity of 303 million euros. Operating in nine countries, the bank
serves over 190,000 active customers and employs more than 650 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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www.bigbank.eu
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