Börsiteade
Bigbank AS
Kategooria
Muud korporatiivtoimingud
Kuupäev
10.05.2024 08:00:00
Pealkiri
Bigbank AS 2024. aasta aprilli tulemused
Teade
2024. aasta aprillis Bigbanki kasv jätkus. Kasvasid nii hoiuse- kui ka laenuportfell, kuine kasum oli heal tasemel. Aprillis algas turgudel pikalt oodatud intresside langemise periood. Olulised Keskpangad veel oma baasintresse aprillis ei langetanud, kuid ootus nende langetamiseks juba sel suvel on süvenenud. See tähendab, et ka euribor on hakanud langema ja selle tuules on hakanud pangad langetama ka hoiuste intresse. Ka Bigbanki poolt pakutavad hoiuste intressid on sellest mõjutatud, kuid samal ajal hoiab Bigbank hoiuste intresse kõikidel koduturgudel deposiidiklientide jaoks võimalikult atraktiivsetena. Kokkuvõttes on viinud see olukorrani, kus Bigbanki hoiuseportfelli kasvutempo küll langes, kuid kasv siiski jätkus. Aprilli lõpuks saavutas hoiuseportfell kokku rekordilise 2,2 miljardi euro taseme, toodete lõikes on nii tähtajaliste kui ka säästuhoiuste portfellid võrdselt 1,1 miljardi tasemel. Laenuportfelli osas oli aprill käimasoleva aasta seni tugevaim kasvukuu. Kuine kogu portfelli kasv ületas 50 miljoni euro taseme, suurimat kasvu näitas ärilaenu portfell. Selle aasta vaates toimus seni suurim kuine kasv ka kodu- ja tarbimislaenude portfellides. Aprilli osas saab öelda, et laenuportfelli kvaliteedi osas on olukord võrreldes 2024. aasta esimese kvartaliga mõnevõrra paranenud. Esimese kvartali negatiivseks teguriks oli eelkõige tarbimislaenude, aga mõningal määral ka ärilaenude portfelli kvaliteedi halvenemine ja sellest tulenevalt kasvanud neto laenunõuete ja finantsinvesteeringute allahindluste ning eraldiste kulu maht. Aprillis vastavad kulud moodustasid kokku 1,6 miljonit eurot, mis on võrreldes esimese kvartali tasemega oluline langus. Samuti on mittetöötava laenuportfelli tase endiselt madal. Aprilli 2,9 miljoni suurune puhaskasum on hea näitaja. Võrreldes eelmise aasta nelja kuu koondtulemusega on Bigbanki puhaskasum vähenenud 2,6 miljoni euro võrra. Peamiseks teguriks on seejuures nelja kuu kasv neto laenunõuete ja finantsinvesteeringute allahindluste mahus, kuid oluline mõju on ka palgakulude ja tulumaksukulu kasvul. Viimase efekt tuleneb peamiselt Lätis krediidiasutustele kehtestatud tulumaksukohustusest, mis mõjutab finantstulemusi alates 2023. aasta detsembrist. Bigbanki 2024. aasta aprilli majandustulemused: * Klientide hoiused ja saadud laenud kasvasid aastaga 674 miljonit eurot 2,2 miljardi euroni (+44%). * Nõuded klientidele kasvasid aastaga 335 miljonit eurot 1,8 miljardi euroni (+23%). * Neto intressitulud olid aprillis 8,8 miljonit eurot, aasta nelja esimese kuuga kokku 35,2 miljonit eurot. Nelja esimese kuu võrdluses aasta taguse sama perioodiga oli kasv 5,2 miljonit eurot (+17%). * Neto laenunõuete ja finantsinvesteeringute allahindluste maht ja eraldiste kulu kokku oli aasta nelja esimese kuuga 10,5 miljonit eurot, võrreldes aasta taguse ajaga oli kasv 4,6 miljonit eurot ehk 77%. * Aprilli puhaskasum oli 2,9 miljonit eurot. Nelja esimese kuu kasum kokku moodustas 9,3 miljonit eurot, kahanedes võrreldes 2023. aasta sama perioodiga 2,6 miljonit eurot ehk 22%. * Omakapitali tootlus oli aprillis 14,4%. Kasumiaruanne, tuhandetes eurodes Aprill 2024 4 kuud 2024 4 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- Neto tegevustulud kokku, sh 9 394 38 172 33 123 5 049 +15% Neto intressitulu 8 775 35 166 29 994 5 172 +17% Neto teenustasud 737 2 901 2 635 266 +10% Tegevuskulud kokku, sh -4 288 -16 421 -13 741 -2 680 +20% Palgakulud -2 322 -8 734 -7 664 -1 070 +14% Halduskulud -1 274 -4 943 -4 723 -220 +5% Kasum enne allahindluste kulu 5 107 21 751 19 382 2 368 +12% Neto laenunõuete ja finantsinvesteeringute allahindlused ja eraldiste kulu -1 565 -10 539 -5 971 -4 568 +77% Tulumaks -617 -1 892 -1 399 -493 +35% Aruandeperioodi jätkuvate tegevuste kasum 2 925 9 320 12 013 -2 693 -22% Kasum/Kahjum lõpetatud tegevustest 8 29 -71 100 ------------------------------------------------------------------------------- Aruandeperioodi kasum 2 933 9 349 11 942 -2 592 -22% ------------------------------------------------------------------------------- Ärimahud, tuhandetes eurodes Aprill 2024 4 kuud 2024 4 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 2 190 221 2 190 221 1 516 001 674 220 +44% Nõuded klientidele 1 794 458 1 794 458 1 459 567 334 890 +23% Võtmenäitajad Aprill 2024 4 kuud 2024 4 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- ROE 14,4% 11,4% 16,5% -5,1pp Kulu/ tulu suhe (C/I) 45,6% 43,0% 41,5% +1,5pp Soovitusindeks (NPS) 58 58 57 +1 Bigbank AS (www.bigbank.ee (http://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 2,5 miljardit eurot. Argo Kiltsmann Juhatuse liige Telefon: +372 5393 0833 E-mail: argo.kiltsmann@bigbank.ee (mailto:argo.kiltsmann@bigbank.ee) www.bigbank.ee (http://www.bigbank.ee)
Pealkiri
Bigbank AS results for April 2024
Teade
In April 2024, Bigbank's growth continued. Both deposit and loan portfolios grew, and monthly profit was at a good level. In April, the long-awaited period of interest rate declines began in the markets. While significant central banks did not decline their base rates in April, the expectation for their reduction this summer has deepened. This means that even the EURIBOR has started to decline, leading banks to lower deposit interest rates. The deposit interest rates offered by Bigbank are also influenced by this, but at the same time, Bigbank keeps deposit rates as attractive as possible for deposit clients in all domestic markets. Overall, this has led to a situation where the growth rate of Bigbank's deposit portfolio has decreased, but growth continued. By the end of April, the deposit portfolio reached a record level of 2.2 billion euros, with both term and savings deposit portfolios standing at 1.1 billion euros each. Regarding the loan portfolio, April was the strongest month of growth so far this year. The monthly growth of the entire portfolio exceeded 50 million euros, with the business loan portfolio showing the highest growth. In view of this year, the largest monthly growth also occurred in home and consumer loan portfolios. In terms of loan portfolio quality, the situation has somewhat improved compared to the first quarter of 2024. The main adverse factor in the first quarter was primarily the deterioration in consumer loan quality, and to a lesser extent, the worsening quality of business loans, which led to an increase in net loss allowances for loans and financial investments and provision expenses. In April, these costs totalled 1.6 million euros, a significant decrease compared to the first quarter. Additionally, the level of non-performing loan portfolio remains low. A net profit of 2.9 million euros for April is a solid figure. Compared to the combined results of the previous year's first four months, Bigbank's net profit decreased by 2.6 million euros. The main factors are the increase in net loss allowances for loans and financial investments over four months, but there is also a significant impact from the increase in salary expenses and income tax expenses. The latter effect mainly arises from the income tax obligation imposed on credit institutions in Latvia, which has been affecting financial results since December 2023. Bigbank's April 2024 financial results: * Deposits from customers and loans received increased by 674 million euros over the year to 2.2 billion euros (+44%). * Loans to customers increased by 335 million euros year on year to 1.8 billion euros (+23%). * Net interest income was 8.8 million euros in April, totalling 35.2 million euros for the first four months of the year. Compared to the same period last year, there was an increase of 5.2 million euros (+17%) over the first four months. * Net loss allowances for loans and financial investments and provision expenses amounted to 10.5 million euros for the first four months of the year, representing an increase of 4.6 million euros or 77% compared to the same period last year. * April's net profit was 2.9 million euros. The total profit for the first four months amounted to 9.3 million euros, decreasing by 2.6 million euros or 22% compared to the same period in 2023. * The return on equity in April was 14.4%. Income statement, in thousands of Difference euros Apr 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- Total net operating income, incl. 9,394 38,172 33,123 5,049 +15% Net interest income 8,775 35,166 29,994 5,172 +17% Net fee and commission income 737 2,901 2,635 266 +10% Total expenses, incl. -4,288 -16,421 -13,741 -2,680 +20% Salaries and associated charges -2,322 -8,734 -7,664 -1,070 +14% Administrative expenses -1,274 -4,943 -4,723 -220 +5% Profit before loss allowances 5,107 21,751 19,382 2,368 +12% Net loss allowances on loans and financial investments and other provisions -1,565 -10,539 -5,971 -4,568 +77% Income tax expense -617 -1,892 -1,399 -493 +35% Profit for the period from continuing operations 2,925 9,320 12,013 -2,693 -22% Profit or loss before tax from discounted operations 8 29 -71 100 ------------------------------------------------------------------------------- Profit for the period 2,933 9,349 11,942 -2,592 -22% ------------------------------------------------------------------------------- Business volumes, in thousands of Difference euros Apr 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- Customer deposits and loans received 2,190,221 2,190,221 1,516,001 674,220 +44% Loans to customers 1,794,458 1,794,458 1,459,567 334,890 +23% Key figures Difference Apr 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- ROE 14.4% 11.4% 16.5% -5.1pp Cost / income ratio (C/I) 45.6% 43.0% 41.5% +1.5pp Net promoter score (NPS) 58 58 57 +1 Bigbank AS (www.bigbank.eu (https://www.globenewswire.com/Tracker?data=rwpiEKknh8UiRq3jdFDHih4AxZfWUjb9h5zb rCOgizOsBxtumLmCyZ5SzEA7Ol75achY9guZJjleTfYbXuMeuw==)) 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 2.5 billion euros. Argo Kiltsmann Member of the Management Board Telephone: +372 5393 0833 E-mail: argo.kiltsmann@bigbank.ee (https://www.globenewswire.com/Tracker?data=tf4vzEMG_JrLYxKObFzUOJfBV88cSs- PV534tYfbvBU-KahOLvqVsSfw39H5Nu0tvey1_mlwdIYLh0Y- poZFKZYpbbDBw9ZIhjIcQbI9ErquPT1V3UAK0_cr7HC5_DI-) www.bigbank.ee (https://www.globenewswire.com/Tracker?data=rwpiEKknh8UiRq3jdFDHinBIpnq_hiDyMi1m 8G8ga5F-32DrSRUrW6jc6NlzVBFvEEn816RcObtiCFFbUUiHjg==)