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Bigbank AS
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08.12.2023 18:30:00
Pealkiri
Bigbank AS 2023. aasta novembri tulemused
Teade
2023. aasta novembris Bigbanki kasv jätkus. Kasvasid nii hoiuseportfell kui ka laenuportfell, kuine kasum oli heal tasemel. Hoiuste poole pealt näitas tugevat kasvu säästuhoiuse portfell, mis kasvas kõikidel turgudel. Nii Eestis, Soomes, Saksamaal, Austrias kui ka Hollandis pakume turu tipus olevaid säästuhoiuse intresse ja jätkuvalt kiirelt suurenev klientide hulk näitab huvi antud toote ja kasvavat usaldust Bigbanki vastu. Tähtajaliste hoiuste maht kasvas vaid marginaalselt ja jäi endiselt 0,9 miljardi euro tasemele. Laenudest kasvas enim kodulaenu portfell, väiksemal määral tarbimislaenu portfell. Kerge langus toimus ärilaenude portfellis. Kokkuvõttes nõuded klientidele kasvasid 1,65 miljardi euroni. Laenuportfelli kvaliteedis on näha teatavat kvaliteedi langust. Novembri 2,1 miljoni euro suurune laenuallahindluste maht viis 11 kuu laenuallahindluste mahu 19,1 miljoni euroni, mis näitab, et mõningane laenuportfelli kvaliteedi langus on aasta jooksul toimunud. 3,3 miljoni euro suurune novembri puhaskasum on tugev näitaja. 2023. aasta 11 kuu koondkasum summas 35,5 miljonit eurot ületab juba 2022. aasta 12 kuu koondkasumit, mis oli 33,7 miljonit eurot. Bigbanki 2023. aasta novembri majandustulemused: * Klientide hoiused ja saadud laenud kasvasid aastaga 590 miljonit eurot 1,93 miljardi euroni (+44%). * Nõuded klientidele kasvasid aastaga 317 miljonit eurot 1,65 miljardi euroni (+24%). * Neto intressitulud olid novembris 8,7 miljonit eurot, aasta üheteistkümne esimese kuuga kokku 91,2 miljonit eurot. Üheteistkümne esimese kuu võrdluses aasta taguse sama perioodiga oli kasv 15,1 miljonit eurot (+20%). * Neto laenunõuete ja finantsinvesteeringute allahindluste maht oli aasta üheteistkümne esimese kuuga 19,1 miljonit eurot, võrreldes aasta taguse ajaga oli kasv 5,6 miljonit eurot ehk 42%. * Novembri puhaskasum oli 3,3 miljonit eurot. Üheteistkümne esimese kuu kasum kokku moodustas 35,5 miljonit eurot, kasv võrreldes 2022. aasta sama perioodiga oli 8,6 miljonit eurot ehk 32%. * Omakapitali tootlus oli üheteistkümne esimese kuu koondvaates 16,9%. Kasumiaruanne, tuhandetes November eurodes 2023 11 kuud 2023 11 kuud 2022 Muutus, % ------------------------------------------------------------------------------- Neto tegevustulud kokku, sh 9 821 102 280 83 206 19 075 +23% Neto intressitulu 8 744 91 170 76 100 15 070 +20% Neto teenustasud 329 7 565 6 803 762 +11% Tegevuskulud kokku, sh -3 985 -42 066 -38 414 -3 651 +10% Palgakulud -1 985 -21 711 -19 844 -1 866 +9% Halduskulud -1 332 -13 780 -15 482 1 701 -11% Kasum enne allahindluste kulu 5 836 60 215 44 791 15 424 +34% Neto laenunõuete ja finantsinvesteeringute allahindlused -2 087 -19 071 -13 448 -5 623 +42% Tulumaks -496 -5 101 -4 472 -629 +14% Aruandeperioodi jätkuvate tegevuste kasum 3 253 36 042 26 871 9 171 +34% Kahjum lõpetatud tegevustest 0 -557 0 -557 ------------------------------------------------------------------------------- Aruandeperioodi kasum 3 253 35 485 26 871 8 614 +32% ------------------------------------------------------------------------------- Ärimahud, tuhandetes November eurodes 2023 11 kuud 2023 11 kuud 2022 Muutus, % ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 1 927 322 1 927 322 1 337 196 590 126 +44% Nõuded klientidele 1 645 174 1 645 174 1 328 189 316 985 +24% Võtmenäitajad November 2023 11 kuud 2023 11 kuud 2022 Muutus ------------------------------------------------------------------------------- ROE 16,1% 16,9% 15,1% +1,9pp Kulu/ tulu suhe (C/I) 40,6% 41,1% 46,2% -5,0pp Soovitusindeks (NPS) 59 58 52 +6 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 November 2023
Teade
In November 2023, Bigbank's growth continued. Both the deposit portfolio and the loan portfolio grew, while the profit was at a good level. In deposits, the savings deposit portfolio showed strong growth, which grew in all markets. In Estonia, Finland, Germany, Austria, and the Netherlands, we offer savings deposit interests at the top of the market, and the rapidly increasing number of customers shows interest in this product and growing trust in Bigbank. The volume of term deposits increased only marginally and remained at the level of EUR 0.9 billion. In terms of loans, the home loan portfolio grew the most, the consumer loan portfolio to a lesser extent. A slight decrease occurred in the portfolio of business loans. All in all, receivables from customers increased to 1.65 billion euros. A certain decline in the quality of the loan portfolio can be seen. November's EUR 2.1 million net loss allowance on loans brought the 11-month loan loss allowances to a total of EUR 19.1 million, which indicates that some decline in the quality of the loan portfolio has occurred during the year. The net profit of EUR 3.3 million in November is a strong indicator. The consolidated profit for the first 11 months of 2023 in the amount of 35.5 million euros already exceeds the consolidated profit for the 12 months of 2022, which was 33.7 million euros. Bigbank's financial results for November 2023: * Customer deposits and loans received grew by 590 million euros to 1.93 billion euros (+44%) in the year. * Receivables from customers increased by 317 million euros to 1.65 billion euros (+24%). * Net interest income was 8.7 million euros in November, a total of 91.2 million euros in the first eleven months of the year. In the comparison of the first eleven months with the same period last year, the increase was 15.1 million euros (+20%). * In the first eleven months of the year, the volume of net loss allowances on loans and financial investments was 19.1 million euros; compared to a year ago, the increase was 5.6 million euros or 42%. * November's net profit was 3.3 million euros. The total profit of the first eleven months was 35.5 million euros; the increase compared to 2022 same period was 8.6 million euros, or 32%. * Return on equity was 16.9% in the first eleven months. Income statement, in thousands of Difference euros Nov 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- Total net operating income, incl. 9,821 102,280 83,206 19,075 +23% Net interest income 8,744 91,170 76,100 15,070 +20% Net fee and commission income 329 7,565 6,803 762 +11% Total expenses, incl. -3,985 -42,066 -38,414 -3,651 +10% Salaries and associated charges -1,985 -21,711 -19,844 -1,866 +9% Administrative expenses -1,332 -13,780 -15,482 1,701 -11% Profit before loss allowances 5,836 60,215 44,791 15,424 +34% Net loss allowances on loans and financial investments -2,087 -19,071 -13,448 -5,623 +42% Income tax expense -496 -5,101 -4,472 -629 +14% Profit for the period from continuing operations 3,253 36,042 26,871 9,171 +34% Loss before tax from discounted operations 0 -557 0 -557 ------------------------------------------------------------------------------- Profit for the period 3,253 35,485 26,871 8,614 +32% ------------------------------------------------------------------------------- Business volumes, in thousands of Difference euros Nov 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- Customer deposits and loans received 1,927,322 1,927,322 1,337,196 590,126 +44% Loans to customers 1,645,174 1,645,174 1,328,189 316,985 +24% Key figures Difference Nov 2023 YTD23 YTD22 YoY ------------------------------------------------------------------------------- ROE 16.1% 16.9% 15.1% +1.9pp Cost / income ratio (C/I) 40.6% 41.1% 46.2% -5.0pp Net promoter score (NPS) 59 58 52 +6 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