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Bigbank AS Results for February 2026

Teade

Bigbank's loan and deposit portfolios continued to grow steadily in February.
Although February, being the shortest month of the year, resulted in somewhat
lower interest income, profitability remained at a solid level.

The loan portfolio increased by 31 million euros during the month. Growth was
driven by the business loan portfolio, which grew by 25 million euros, and the
home loan portfolio, which increased by 7 million euros, while the consumer loan
portfolio remained at the level of the end of January.

The deposit portfolio grew by a total of 43 million euros in February. Term
deposits increased by 25 million euros, and savings deposits by 5 million euros.
Current account balances also showed strong growth, rising by 13 million euros
to reach 37 million euros at the end of the month. Bigbank's current account
offering - with the best interest conditions in the Baltics - continued to gain
popularity, and the number of customers actively using the bank for daily
banking increased significantly alongside the rise in current account balances.

As a result of the shorter month, interest income and net interest income
declined compared to January. Nevertheless, net interest income for the first
two months of the year exceeded the result for the same period in 2025 by 2.2
million euros, supported by the steady and substantial expansion of the loan
portfolio.

The credit quality of the loan portfolio remained strong. Despite the
significant increase in the loan portfolio, the total expense on the net
allowance for expected credit losses and provisions decreased by 1.1 million
euros (-36%) in the two?month comparison with last year. The share of
non?performing exposures (Stage 3) remained at 4.3% of all loan receivables, the
same level as at the end of January.

Bigbank employed 662 people at the end of February. Team expansion and salary
growth resulted in a 1.4?million?euro increase in personnel expenses for the
first two months of the year. Administrative expenses increased by 0.2 million
euros compared to the same period last year.

Net profit for February amounted to 2.6 million euros. The increase in net
interest income driven by business growth, together with the lower expense on
expected credit losses resulting from the strong quality of the loan portfolio,
had a more positive effect on profitability than the increase in personnel and
administrative expenses. Net profit for the first two months totalled 6.3
million euros, which is 1.1 million euros more than in the same period of 2025
(+21%).

Bigbank's key financial indicators for February 2026:

  * Customer deposits and loans received increased by 484 million euros
    year?on?year, reaching 3.0 billion euros (+19%).
  * Loans to customers grew by 534 million euros year?on?year, reaching 2.8
    billion euros (+24%).
  * Net interest income amounted to 8.9 million euros in February and 18.6
    million euros for the first two months of the year. Compared to the same
    period last year, net interest income increased by 2.2 million euros (+14%).
  * The net allowance for expected credit losses and provisions totalled 2.0
    million euros for the first two months, 1.1 million euros less than a year
    earlier (-36%).
  * Net profit for February was 2.6 million euros. Net profit for the first two
    months amounted to 6.3 million euros, increasing by 1.1 million euros
    compared to the same period in 2025 (+21%).
  * Return on equity (ROE) for February was 10.2%.

 Income statement, in thousands of                                  Difference
 euros                                Feb 2026     YTD26     YTD25     YoY
-------------------------------------------------------------------------------
 Total net operating income, incl.       9,271    19,800    17,795   2,005 +11%

 Net interest income                     8,922    18,580    16,333   2,247 +14%

 Net fee and commission income             865     1,743     1,678      65  +4%

 Total expenses, incl.                  -4,944    -9,951    -8,137  -1,814 +22%

 Salaries and associated charges        -3,118    -6,352    -4,926  -1,425 +29%

 Administrative expenses                -1,027    -2,007    -1,786    -221 +12%

 Profit before loss allowances           4,327     9,849     9,658     191  +2%

 Net allowance for expected credit
 losses and provision expenses          -1,011    -2,045    -3,181   1,136 -36%

 Income tax expense                       -763    -1,472    -1,225    -247 +20%

 Profit for the period from
 continuing operations                   2,553     6,332     5,252   1,080 +21%

 Profit or loss before tax from
 discounted operations                       0         0         2      -2
-------------------------------------------------------------------------------
 Profit for the period                   2,553     6,332     5,254   1,078 +21%
-------------------------------------------------------------------------------




 Business volumes, in thousands of                                  Difference
 euros                                Feb 2026     YTD26     YTD25     YoY
-------------------------------------------------------------------------------
 Customer deposits and loans
 received                            3,042,209 3,042,209 2,558,437 483,771 +19%

 Loans to customers                  2,795,869 2,795,869 2,261,901 533,969 +24%



 Key figures                                                        Difference
                                      Feb 2026     YTD26     YTD25     YoY
-------------------------------------------------------------------------------
 ROE                                     10.2%     12.7%     11.6%  +1.1pp

 Cost / income ratio (C/I)               53.3%     50.3%     45.7%  +4.5pp

 Net promoter score (NPS)                   55        57        58      -1


Bigbank AS (www.bigbank.eu
(https://www.globenewswire.com/Tracker?data=keFpeBThTw9J7aEfMQ56UnOFVprt-
XEOs6RI4M7PPwi1B55aHyR-QzQxvZXrh-kjl433-RcW2033eOpJt32LRdI2p0dttGiBdq0x7CTkB-
UhrzZYLM9TjmUK2SdBZJXyry_frxa1SKGZ0yEvHi5071OCQIKzUk6q75bX81OWIMq0Cne7yW8TiYbK_f
OK8R65DPo21J4BuTt5MGSJGiQP8_AXQ8Qj42ixsaPD6yioqqgENKGw6YyurwUrEiBPTx8Q3WNCdxpI83
Lc3zCSFStHsw==)), with over 30 years of operating history, is a commercial bank
owned by Estonian capital. As of 28 February 2026, the bank's total assets
amounted to 3.5 billion euros, with equity of 298 million euros. Operating in
nine countries, the bank serves over 193,000 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]
(https://www.globenewswire.com/Tracker?data=5i1BF8F8shbO8gWNigsxd9GRTLPHHfZhPdUm
Jxm4Rr5lJ3xeHFsrEs7LXsWdlRAR2qZl70uhHmcbT1EpDs5ym4LWtBj_t5jiXGDV0KYDaeGyF88HD90Y
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MUcsYBJIJtpVFmZz1YPTu9GuQQvHTH0JUlO9PPB5XOF2R1bkniIsK4iOz9b8M3xn1-
lymfBxOZnVLstz5IrP-1RLbs-_SmHHB5uIUwqmLYW-U5Zfn7KokHY3zVQQAmme2U)
www.bigbank.ee (http://www.bigbank.ee)