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Bigbank AS
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10.11.2023 16:30:00
Pealkiri
Bigbank AS 2023. aasta oktoobri tulemused
Teade
2023. aasta oktoobri tulemused olid Bigbanki jaoks head. Kasvasid nii hoiuseportfell kui ka laenuportfell. Hoiustes tuli kasv säästuhoiuse portfellist, mille maht ületas oktoobris 900 milljoni euro piiri. Arvestatava panuse on selleks andnud ka lisaks ajalooliselt tugevatele Hollandi, Saksa ja Austria turgudele Eesti ja Soome turud, kus Bigbank alustas säästuhoiuse pakkumisega 2023. aasta jooksul. Tähtajaliste hoiuste maht püsis oktoobris sisuliselt samal tasemel, samuti 900 miljoni euro juures. Bigbank hoiab hoiuseintresse jätkuvalt turu tipus, mis võimaldab Bigbanki hoiuseklientidel järjest enam tõusnud intressikeskkonnast kasu lõigata. Laenude osas püsis ärilaenude portfell septembri lõpuga võrreldes samal tasemel, kasvunumbreid näitasid kodulaenude ja tarbimislaenude portfellid; suurimat kasvu näitas sealjuures kodulaenude portfell. Laenuportfelli kvaliteet on 2023. aasta 10 kuu lõikes endiselt rahuldav, kuid oktoobri 3,0 miljoni euro suurune laenuallahindluste maht viis 10 kuu laenuallahindluste mahu 17,0 miljoni euroni, mis näitab, et mõningane laenuportfelli kvaliteedi langus on aasta jooksul siiski toimunud. 2,8 miljoni euro suurune oktoobri puhaskasum on soliidne kuine näitaja, mis võimaldab 2023. aasta 10 kuu vaates kindlasti püüda tugevaimat aasta koondtulemust Bigbanki ajaloos. Bigbanki 2023. aasta oktoobri majandustulemused: * Klientide hoiused ja saadud laenud kasvasid aastaga 537 miljonit eurot 1,85 miljardi euroni (+41%). * Nõuded klientidele kasvasid aastaga 349 miljonit eurot 1,63 miljardi euroni (+27%). * Neto intressitulud olid oktoobris 9,6 miljonit eurot, aasta kümne esimese kuuga kokku 82,4 miljonit eurot. Kümne esimese kuu võrdluses aasta taguse sama perioodiga oli kasv 13,8 miljonit eurot (+20%). * Neto laenunõuete ja finantsinvesteeringute allahindluste maht oli aasta kümne esimese kuuga 17,0 miljonit eurot; võrreldes aasta taguse ajaga oli kasv 4,6 miljonit eurot ehk 38%. * Oktoobri puhaskasum oli 2,8 miljonit eurot. Kümne esimese kuu kasum kokku moodustas 32,2 miljonit eurot; kasv võrreldes 2022. aastaga oli 8,5 miljonit eurot ehk 36%. * Omakapitali tootlus oli kümne esimese kuu koondvaates 17,0%. Kasumiaruanne, tuhandetes 10 kuud 10 kuud eurodes Oktoober 2023 2023 2022 Muutus, % ------------------------------------------------------------------------------- Neto tegevustulud kokku, sh 10 263 92 459 74 904 17 555 +23% Neto intressitulu 9 635 82 425 68 635 13 790 +20% Neto teenustasud 366 6 837 6 155 682 +11% Tegevuskulud kokku, sh -3 992 -38 080 -34 798 -3 282 +9% Palgakulud -2 038 -19 725 -17 866 -1 859 +10% Halduskulud -1 291 -12 448 -14 164 1 716 -12% Kasum enne allahindluste kulu 6 271 54 379 40 106 14 273 +36% Neto laenunõuete ja finantsinvesteeringute allahindlused -2 998 -16 984 -12 337 -4 646 +38% Tulumaks -436 -4 606 -4 048 -558 +14% Aruandeperioodi jätkuvate tegevuste kasum 2 836 32 789 23 721 9 068 +38% Kahjum lõpetatud tegevustest 0 -557 0 -557 ------------------------------------------------------------------------------- Aruandeperioodi kasum 2 836 32 232 23 721 8 511 +36% ------------------------------------------------------------------------------- Ärimahud, tuhandetes eurodes Oktoober 2023 10 kuud 2023 10 kuud 2022 Muutus, % ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 1 853 600 1 853 600 1 316 121 537 479 +41% Nõuded klientidele 1 630 400 1 630 400 1 281 396 349 004 +27% Võtmenäitajad Oktoober 2023 10 kuud 2023 10 kuud 2022 Muutus ------------------------------------------------------------------------------- ROE 14,3% 17,0% 14,8% +2,1pp Kulu/ tulu suhe (C/I) 38,9% 41,2% 42,5% -1,3pp Soovitusindeks (NPS) 57 58 51 +7 Bigbank AS (www.bigbank.ee) 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 2 miljardit eurot. Argo Kiltsmann Juhatuse liige Telefon: +372 5393 0833 E-mail: argo.kiltsmann@bigbank.ee www.bigbank.ee
Pealkiri
Bigbank's Financial Results for October 2023
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October 2023 results were good for Bigbank. Both the deposit portfolio and the loan portfolio grew. In deposits, growth came from the savings deposit portfolio, the volume of which exceeded the 900-million-euro mark in October. In addition to the historically strong Dutch, German and Austrian markets, Estonian and Finnish markets, where Bigbank started offering savings deposits in 2023, have made a significant contribution to this. The volume of term deposits remained essentially at the same level in October, also at EUR 900 million. Bigbank continues to keep deposit rates at the top of the market, which allows Bigbank's deposit customers to increasingly benefit from the rising interest rate environment. In terms of loans, the portfolio of business loans remained at the same level compared to the end of September. Growth figures were shown by the portfolios of home loans and consumer loans; the home loan portfolio showed the greatest growth. The quality of the loan portfolio is still satisfactory in terms of the 10 months of 2023. Regardless, the volume of loan discounts of 3.0 million euros in October brought the volume of loan discounts for 10 months altogether to 17.0 million euros, which indicates that some decline in the quality of the loan portfolio has still occurred during the year. The October net profit of EUR 2.8 million is a solid monthly indicator, which certainly allows us to aim for the strongest annual consolidated result in the history of Bigbank in the 10-month view of 2023. Bigbank's financial results for October 2023: * Customer deposits and loans received grew by 537 million euros to 1.85 billion euros (+41%) in the year. * Receivables from customers increased by 349 million euros to 1.63 billion euros (+27%). * Net interest income was 9.6 million euros in October, a total of 82.4 million euros in the first ten months of the year. In the comparison of the first ten months with the same period last year, the increase was 13.8 million euros (+20%). * In the first ten months of the year, the volume of net loss allowances on loans and financial investments was 17.0 million euros; compared to a year ago, the increase was 4.6 million euros or 38%. * October's net profit was 2.8 million euros. The total profit of the first ten months was 32.2 million euros; the increase compared to 2022 was 8.5 million euros, or 36%. * Return on equity was 17.0% in the first ten months. Income statement, in thousands of euros Difference Oct 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- Total net operating income, incl. 10,263 92,459 74,904 17,555 +23% Net interest income 9,635 82,425 68,635 13,790 +20% Net fee and commission income 366 6,837 6,155 682 +11% Total expenses, incl. -3,992 -38,080 -34,798 -3,282 +9% Salaries and associated charges -2,038 -19,725 -17,866 -1,859 +10% Administrative expenses -1,291 -12,448 -14,164 1,716 -12% Profit before loss allowances 6,271 54,379 40,106 14,273 +36% Net loss allowances on loans and financial investments -2,998 -16,984 -12,337 -4,646 +38% Income tax expense -436 -4,606 -4,048 -558 +14% Profit for the period from continuing operations 2,836 32,789 23,721 9,068 +38% Loss before tax from discounted operations 0 -557 0 -557 ------------------------------------------------------------------------------- Profit for the period 2,836 32,232 23,721 8,511 +36% ------------------------------------------------------------------------------- Business volumes, in thousands of Difference euros Oct 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- Customer deposits and loans received 1,853,600 1,853,600 1,316,121 537,479 +41% Loans to customers 1,630,400 1,630,400 1,281,396 349,004 +27% Key figures Difference Oct 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- ROE 14.3% 17.0% 14.8% +2.1pp Cost / income ratio (C/I) 38.9% 41.2% 42.5% -1.3pp Net promoter score (NPS) 57 58 51 +7 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 2 billion euros. Argo Kiltsmann Member of the Management Board Telephone: +372 5393 0833 Email: argo.kiltsmann@bigbank.ee www.bigbank.ee