Börsiteade
Bigbank AS
LEI kood
5493007SWCCN9S3J2748
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Muud korporatiivtoimingud
Teate ID
10347
Esitamise kuupäev ja aeg
12.05.2023 16:30:00
Teate sisu eesti keeles
Pealkiri
Bigbank AS 2023. aasta aprilli tulemused
Teade
2023. aasta aprillis Bigbanki kasvulugu jätkus. Laenudest kasvasid nii
ärilaenude, kodulaenude kui ka tarbimislaenude portfellid, suurimat kasvu näitas
sealjuures ärilaenude portfell. Laenunõudluse vähenemist on mõneti tunda küll
kodulaenude osas, kuid sellele vaatamata kasvas aprilli lõpuks kodulaenude
portfell üle 250 miljoni euro taseme.
Laenuportfellide kasvu aitab finantseerida kasvav hoiuseportfell. Hoiustest on
kliendid järjest enam eelistamas tähtajalisi hoiuseid. Nii tähtajaliste kui ka
säästuhoiuste intressitasemeid on Bigbank järjepidevalt tõstnud ja nende tasemed
on kõikidel Bigbanki turgudel turu parimate hulgas. Seega saavad tõusvatest
intressimääradest järjest suuremat tulu ka Bigbanki hoiusekliendid.
Bigbanki 2023. aasta aprilli majandustulemused:
* Klientide hoiused ja saadud laenud kasvasid aastaga 400 miljonit eurot 1,52
miljardi euroni (+36%).
* Nõuded klientidele kasvasid aastaga 387 miljonit eurot 1,42 miljardi euroni
(+37%).
* Neto intressitulud olid aprillis 7,5 miljonit eurot; aasta nelja esimese
kuuga kokku 30,0 miljonit eurot. Nelja esimese kuu võrdluses aasta taguse
sama perioodiga oli kasv 4,2 miljonit eurot (+16%).
* Neto laenunõuete ja finantsinvesteeringute allahindluste maht on aasta nelja
esimese kuuga 6,0 miljonit eurot; võrreldes aasta taguse ajaga on kasv 0,6
miljonit eurot ehk 10%.
* Aprilli puhaskasum oli 2,3 miljonit eurot. Nelja esimese kuu kasum kokku
moodustas 11,9 miljonit eurot, kasvades võrreldes 2022. aastaga 3,8 miljonit
eurot ehk 47%.
* Omakapitali tootlus on nelja esimese kuu koondvaates 16,6%.
Kasumiaruanne, tuhandetes eurodes apr 23 YTD23 YTD22 Erinevus YoY
-------------------------------------------------------------------------------
Neto tegevustulud kokku, sh. 8 176 33 123 28 125 4 998 +18%
Neto intressitulu 7 475 29 994 25 769 4 224 +16%
Neto teenustasud 508 2 635 2 386 248 +10%
Tegevuskulud kokku, sh. -3 528 -13 712 -13 555 -157 +1%
Palgakulud -2 011 -7 664 -7 031 -632 +9%
Halduskulud -1 200 -4 723 -5 236 513 -10%
Kasum enne allahindluste kulu 4 648 19 411 14 570 4 841 +33%
Neto laenunõuete ja
finantsinvesteeringute
allahindlused -2 091 -6 000 -5 447 -552 +10%
Tulumaks -286 -1 399 -989 -410 +41%
Aruandeperioodi jätkuvate tegevuste
kasum 2 271 12 013 8 134 3 879 +48%
Kasum/Kahjum lõpetatud tegevustest 50 -71 0 -71
-------------------------------------------------------------------------------
Aruandeperioodi kasum 2 321 11 942 8 134 3 808 +47%
-------------------------------------------------------------------------------
Ärimahud, tuhandetes eurodes apr 23 YTD23 YTD22 Erinevus YoY
-------------------------------------------------------------------------------
Klientide hoiused ja saadud laenud 1 516 001 1 516 001 1 116 451 399 549 +36%
Nõuded klientidele 1 419 577 1 419 577 1 032 534 387 043 +37%
Võtmenäitajad apr 23 YTD23 YTD22 Erinevus YoY
-------------------------------------------------------------------------------
ROE 12,5% 16,6% 13,2% +3,5pp
Kulu/ tulu suhe (C/I) 43,2% 41,4% 48,2% -6,8pp
Soovitusindeks (NPS) 56 57 49 +8
Bigbank AS (www.bigbank.ee
(https://www.globenewswire.com/Tracker?data=vn59WY13a7xzFdA54Qr6K3NNWAleaN4Zh0Re
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HInmdBwK7KtL6jvaxbOsKe2kg4N_nOd2-iDHiaZQg0ENk8=)) 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
(https://www.globenewswire.com/Tracker?data=vn59WY13a7xzFdA54Qr6K2on3k0Eg8bsE-
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UFtTykUeiPoEdLesZXkKNDlRDt8oiHdtBPNOylg==)
Teate sisu inglise keeles
Pealkiri
Bigbank’s Financial Results for April 2023
Teade
Bigbank's growth story continued in April 2023. In the lending business, the
corporate, home, and consumer loan portfolios continued growing with the
corporate loan portfolio delivering the strongest growth figure. Although demand
for home loans has weakened somewhat, the home loan portfolio increased, rising
above the 250 million euro level by the end of April.
Growth in the loan portfolios is partly financed with the expanding deposit
portfolio. Customers increasingly favour term deposits. Bigbank has consistently
raised the interest rates for both term and savings deposits, keeping its
deposit rates among the best in all the markets where it operates. Bigbank's
deposit customers thus also benefit from the uptrend in interest rates.
Bigbank's financial results for April:
* Deposits from customers and loans raised grew by 400 million euros year on
year, rising to 1.52 billion euros (+36%).
* Loans to customers grew by 387 million euros compared with a year earlier,
rising to 1.42 billion euros (+37%).
* Net interest income was 7.5 million euros for April and 30.0 million euros
for the first four months of the year. Four-month net interest income grew
by 4.2 million euros year on year (+16%).
* Net loss allowances on loans and financial investments for the first four
months were 6.0 million euros, 0.6 million euros (+10%) up on the same
period last year.
* Net profit for April was 2.3 million euros. Net profit for the first four
months was 11.9 million euros, 3.8 million euros (+47%) higher than a year
earlier.
* Return on equity for the four-month period was 16.6%.
Income statement, in thousands of Difference
euros Apr 2023 YTD23 YTD22 YoY
-------------------------------------------------------------------------------
Total net operating income, incl. 8,176 33,123 28,125 4,998 +18%
Net interest income 7,475 29,994 25,769 4,224 +16%
Net fee and commission income 508 2,635 2,386 248 +10%
Total expenses, incl. -3,528 -13,712 -13,555 -157 +1%
Salaries and associated charges -2,011 -7,664 -7,031 -632 +9%
Administrative expenses -1,200 -4,723 -5,236 513 -10%
Profit before loss allowances 4,648 19,411 14,570 4,841 +33%
Net loss allowances on loans and
financial investments -2,091 -6,000 -5,447 -552 +10%
Income tax expense -286 -1,399 -989 -410 +41%
Profit for the period from
continuing operations 2,271 12,013 8,134 3,879 +48%
Profit or loss before tax from
discounted operations 50 -71 0 -71
-------------------------------------------------------------------------------
Profit for the period 2,321 11,942 8,134 3,808 +47%
-------------------------------------------------------------------------------
Business volumes, in thousands of Difference
euros Apr 2023 YTD23 YTD22 YoY
-------------------------------------------------------------------------------
Customer deposits and loans
received 1,516,001 1,516,001 1,116,451 399,549 +36%
Loans to customers 1,419,577 1,419,577 1,032,534 387,043 +37%
Key figures Difference
Apr 2023 YTD23 YTD22 YoY
-------------------------------------------------------------------------------
ROE 12.5% 16.6% 13.2% +3.5pp
Cost / income ratio (C/I) 43.2% 41.4% 48.2% -6.8pp
Net promoter score (NPS) 56 57 49 +8
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
Email: [email protected]
www.bigbank.ee