Börsiteade
Bigbank AS
LEI kood
5493007SWCCN9S3J2748
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Juhtkonna vaheteadaanne või kvartaalne finantsaruanne
Teate ID
10181
Esitamise kuupäev ja aeg
13.03.2023 17:30:00
Teate sisu eesti keeles
Pealkiri
Bigbank AS 2023. aasta veebruari tulemused
Teade
2023. aasta on alanud Bigbanki jaoks edukalt. Vaatamata teatavale laenunõudluse
vähenemisele on Bigbanki laenuportfell endiselt kasvamas ja selle kvaliteet
püsib kõrgel tasemel. Tänu intressitulude suurenemisele on ka kasuminäitajad
aastataguse võrdlusperioodiga kasvanud. Kulude poole pealt on suurima tõusu
teinud intressikulud. Kasvav euribor on suurendanud konkurentsi hoiustele ja
viinud üles hoiuseintressid. Bigbank pakub aga oma koduturgudel
konkurentsivõimelisi hoiuseintresse, aastase tähtajaga hoiuste intressid
ületavad Euroopa Keskpanga intressimäära. Sellest tulenevalt usaldavad kliendid
üha enam oma sääste hoiustada just Bigbankis, kokkuvõttes kasvab hoiuseportfell
veelgi kiiremini kui laenuportfell.
Bigbanki 2023. aasta veebruari majandustulemused:
* Klientide hoiused ja saadud laenud kasvasid aastaga 458 miljonit eurot 1,49
miljardi euroni (+45%).
* Nõuded klientidele kasvasid aastaga 391 miljonit eurot 1,35 miljardi euroni
(+41%).
* Neto intressitulud olid veebruaris 6,9 miljonit eurot, aasta kahe esimese
kuuga kokku 14,3 miljonit eurot. Kahe esimese kuu võrdluses aasta taguse
sama perioodiga oli kasv 2,2 miljonit eurot (+18%).
* Neto laenunõuete ja finantsinvesteeringute allahindluste maht on aasta kahe
esimese kuuga 2,7 miljonit eurot, võrreldes aasta taguse ajaga on kasv 0,1
miljonit eurot ehk 5%.
* Veebruari puhaskasum oli 2,9 miljonit eurot. Kahe esimese kuu kasum kokku
moodustas 5,9 miljonit eurot, kasv võrreldes 2022. aastaga 2,2 miljonit
eurot ehk 59%.
* Omakapitali tootlus on kahe esimese kuu koondvaates 16,5%.
Kasumiaruanne, tuhandetes eurodes veebr 23 YTD23 YTD22 Erinevus YoY
-------------------------------------------------------------------------------
Neto tegevustulud kokku, sh. 7 807 15 923 13 040 2 883 +22%
Neto intressitulu 6 914 14 263 12 065 2 198 +18%
Neto teenustasud 620 1 314 1 186 128 +11%
Tegevuskulud kokku, sh. -3 408 -6 696 -6 328 -368 +6%
Palgakulud -1 827 -3 725 -3 200 -524 +16%
Halduskulud -1 247 -2 300 -2 508 208 -8%
Kasum enne allahindluste kulu 4 398 9 227 6 712 2 515 +37%
Neto laenunõuete ja
finantsinvesteeringute
allahindlused -1 188 -2 739 -2 601 -138 +5%
Tulumaks -271 -547 -386 -160 +41%
-------------------------------------------------------------------------------
Aruandeperioodi kasum 2 939 5 942 3 725 2 216 +59%
-------------------------------------------------------------------------------
Ärimahud, tuhandetes eurodes veebr 23 YTD23 YTD22 Erinevus YoY
-------------------------------------------------------------------------------
Klientide hoiused ja saadud laenud 1 487 717 1 487 717 1 029 370 458 346 +45%
Nõuded klientidele 1 349 996 1 349 996 959 196 390 800 +41%
Võtmenäitajad veebr 23 YTD23 YTD22 Erinevus YoY
-------------------------------------------------------------------------------
ROE 16,2% 16,5% 12,0% +4,5pp
Kulu/ tulu suhe (C/I) 43,7% 42,1% 48,5% -6,5pp
Soovitusindeks (NPS) 56 53 48 +5
Veebruari tähtsündmus oli Bigbanki jaoks tagamata allutatud võlakirjade
programmi teise seeria emissioon, mille käigus näitasid investorid taas üles
suurt usaldust Bigbanki vastu. Bigbank pakkus 5 000 tagamata allutatud võlakirja
nimiväärtusega 1000 EUR, fikseeritud intressimääraga 8% aastas. Emissiooni
baasmaht summas 5 miljonit eurot märgiti rohkem kui viie kordselt üle ja Bigbank
kasutas õigust suurendada emissiooni kogumahtu 15 miljoni euroni.
Võlakirjaemissioon kujunes kokkuvõttes üle ootuste edukaks.
Bigbank AS (www.bigbank.ee
(https://www.globenewswire.com/Tracker?data=_lEx3tl_GBfrFEy8Mi6kvGIZzpZZpgX_FLl2
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-sOtdns_okNONCkP5CR15UOpe8QdUUlTyhglD7AyGSeKUmh64=)) on Eesti kapitalil põhinev
era- ja äriklientide laenudele ja hoiustele keskendunud pank, millel on lisaks
tegevusele Eestis filiaalid Soomes, Rootsis, Lätis, Leedus ja Bulgaarias ning
mis pakub piiriülese teenusena oma tooteid ka Austrias, Saksamaal ja Hollandis.
Bigbanki bilansimaht ületab 1,5 miljardit eurot.
Argo Kiltsmann
Juhatuse liige
Telefon: +372 5393 0833
E-mail: [email protected]
www.bigbank.ee
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Teate sisu inglise keeles
Pealkiri
Bigbank AS results for February 2023
Teade
The year 2023 has started well for Bigbank. Despite a certain decrease in loan
demand, Bigbank's loan portfolio continues to grow and its quality remains high.
Profit figures have increased year on year, driven by a rise in interest income.
On the cost side, interest expense has grown the most. A rising Euribor has
intensified competition for deposits and pushed up deposit rates. Bigbank offers
competitive deposit rates in all its markets, with one-year term deposits paying
interest at above the ECB rate. Therefore, customers increasingly prefer to
deposit their savings with Bigbank. As a result, Bigbank's deposit portfolio has
been growing even faster than its loan portfolio.
Bigbank's performance in February 2023:
* Customer deposits and loans received grew by 458 million euros (+45%) year
on year, rising to 1.49 billion euros.
* Loans to customers increased by 391 million euros (+41%) year on year to
1.35 billion euros.
* Net interest income was 6.9 million euros for February and 14.3 million
euros for the first two months of 2023, an increase of 2.2 million euros
(+18%) compared with the first two months of last year.
* Net loss allowances for loans and financial investments totalled 2.7 million
euros for the first two months, an increase of 0.1 million euros (+5%) year
on year.
* Net profit amounted to 2.9 million euros for February and 5.9 million euros
for the first two months, up 2.2 million euros (+59%) on the same period
last year.
* Return on equity for the two months was 16.5%.
Income statement, in thousands of Difference
euros Feb 23 YTD23 YTD22 YoY
-------------------------------------------------------------------------------
Total net operating income, incl. 7,807 15,923 13,040 2,883 +22%
Net interest income 6,914 14,263 12,065 2,198 +18%
Net fee and commission income 620 1,314 1,186 128 +11%
Total expenses, incl. -3,408 -6,696 -6,328 -368 +6%
Salaries and associated charges -1,827 -3,725 -3,200 -524 +16%
Administrative expenses -1,247 -2,300 -2,508 208 -8%
Profit before loss allowances 4,398 9,227 6,712 2,515 +37%
Net loss allowances on loans and
financial investments -1,188 -2,739 -2,601 -138 +5%
Income tax expense -271 -547 -386 -160 +41%
-------------------------------------------------------------------------------
Profit for the period 2,939 5,942 3,725 2,216 +59%
-------------------------------------------------------------------------------
Business volumes, in thousands of Difference
euros Feb 23 YTD23 YTD22 YoY
-------------------------------------------------------------------------------
Customer deposits and loans
received 1,487,717 1,487,717 1,029,370 458,346 +45%
Loans to customers 1,349,996 1,349,996 959,196 390,800 +41%
Key figures Difference
Feb 23 YTD23 YTD22 YoY
-------------------------------------------------------------------------------
ROE 16.2% 16.5% 12.0% +4.5pp
Cost / income ratio (C/I) 43.7% 42.1% 48.5% -6.5pp
Net promoter score (NPS) 56 53 48 +5
For Bigbank, the highlight in February was the public offering of the second
series under its unsecured subordinated bond programme, which once again
reflected investors' strong confidence in Bigbank. Bigbank offered 5,000
unsecured subordinated bonds with a nominal value of 1,000 euros each at an
annual coupon rate of 8%. The base issue size of 5 million euros was
oversubscribed more than fivefold and Bigbank used the right to increase the
total issue size to 15 million euros. All in all, the results of the bond
offering exceeded expectations.
Bigbank AS (www.bigbank.eu) is an Estonian capital-based bank specialising in
loans and deposits for private and business customers. In addition to operations
in Estonia, the bank has branches in Finland, Sweden, Latvia, Lithuania, and
Bulgaria and offers its products on a cross-border basis in Austria, Germany,
and the Netherlands. Bigbank's total assets exceed 1.5 billion euros.
Argo Kiltsmann
Member of the Management Board
Telephone: +372 5393 0833
E-mail: [email protected]
www.bigbank.ee
(https://www.globenewswire.com/Tracker?data=_lEx3tl_GBfrFEy8Mi6kvEbTahxuvvk2xM-
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