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Bigbank AS
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14.06.2024 18:00:00
Pealkiri
Bigbank AS 2024. aasta mai tulemused
Teade
2024. aasta mai oli Bigbanki jaoks käesoleva aasta seni edukaim kuu. Laenuportfelli kasv oli selle aasta suurim, jätkus ka hoiuseportfelli kasv. 4,0 miljoni euro suurune puhaskasum ja 19,6% suurune omakapitali tootlus olid selle aasta seni tugevaimad näitajad. Laenuportfell kasvas kuuga üle 55 miljoni euro, mis näitab, et tugevale aprilli tulemusele järgnes veelgi edukam mai tulemus. Suurimat kasvu näitas kodulaenuportfell, kasvades jõudselt nii Eestis, Lätis kui ka Leedus. Arvestades kinnisvaraturu hetkeolukorda, võib väita, et Bigbanki kodulaenu pakkumine on üha atraktiivsem järjest laiemale ringile kodulaenusoovijatele. Arvestatavalt kasvasid ka ärilaenude ja tarbimislaenude portfellid. Mais jätkus mõõdukas euribori alanemine, mis sai alguse aprillis. Turu ootus Euroopa Keskpanga intresside alandamise osas üha süvenes läbi maikuu, mis realiseerus juuni alguses 0,25 protsendipunktilise baasintresside alanemisena. See tähendab, et kõikidel Bigbanki hoiuseturgudel on näha ka mõõdukat hoiuseintresside langetamist. Bigbanki hoiusetoodete seisukohalt tähendas see, et üha enam hoiusekliente eelistab langevate intresside keskkonnas taas tähtajalist hoiust säästuhoiusele, fikseerides kliendile sobiva intressi pikemaks perioodiks. Kokkuvõttes tähendas see tähtajalise hoiuseportfelli arvestatavat kasvu ja säästuhoiuse portfelli mõningast vähenemist. Hoiuseportfell kasvas mais kokku üle 26 miljoni euro. Mais jätkus positiivne trend laenuportfelli kvaliteedi osas, mis sai alguse aprillis. Mais oli neto laenunõuete ja finantsinvesteeringute allahindluste ning eraldiste kulu maht 1,7 miljonit eurot, mis on võrreldes esimese kvartali tasemega oluline langus. Jätkuvalt on madal mittetöötava laenuportfelli osakaal kogu laenuportfellist. Mai 4,0 miljoni suurune puhaskasum on tugev tulemus. Võrreldes eelmise aasta viie kuu koondtulemusega on Bigbanki puhaskasum vähenenud 2,2 miljoni euro võrra. Peamiseks teguriks on seejuures viie 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 mai majandustulemused: * Klientide hoiused ja saadud laenud kasvasid aastaga 652 miljonit eurot, ulatudes 2,2 miljardi euroni (+42%). * Nõuded klientidele kasvasid aastaga 360 miljonit eurot, ulatudes 1,8 miljardi euroni (+24%). * Neto intressitulud olid mais 9,5 miljonit eurot, aasta viie esimese kuuga kokku 44,7 miljonit eurot. Viie esimese kuu võrdluses eelmise aasta sama perioodiga oli kasv 6,3 miljonit eurot (+16%). * Neto laenunõuete ja finantsinvesteeringute allahindluste maht ja eraldiste kulu kokku oli aasta viie esimese kuuga 12,2 miljonit eurot. Võrreldes eelmise aasta sama perioodiga oli kasv 5,1 miljonit eurot ehk 72%. * Mai puhaskasum oli 4,0 miljonit eurot. Viie esimese kuu kasum kokku moodustas 13,4 miljonit eurot, kahanedes võrreldes 2023. aasta sama perioodiga 2,2 miljonit eurot ehk 14%. * Omakapitali tootlus oli mais 19,6%. Kasumiaruanne, tuhandetes eurodes Mai 2024 5 kuud 2024 5 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- Neto tegevustulud kokku, sh 10 734 48 906 42 056 6 851 +16% Neto intressitulu 9 544 44 710 38 458 6 252 +16% Neto teenustasud 751 3 652 3 334 318 +10% Tegevuskulud kokku, sh -4 300 -20 721 -17 335 -3 386 +20% Palgakulud -2 168 -10 902 -9 610 -1 292 +13% Halduskulud -1 434 -6 377 -6 026 -351 +6% Kasum enne allahindluste kulu 6 435 28 186 24 721 3 465 +14% Neto laenunõuete ja finantsinvesteeringute allahindlused ja eraldiste kulu -1 663 -12 202 -7 077 -5 125 +72% Tulumaks -723 -2 615 -1 957 -658 +34% Aruandeperioodi jätkuvate tegevuste kasum 4 049 13 369 15 687 -2 318 -15% Kasum/Kahjum lõpetatud tegevustest 0 29 -132 161 ------------------------------------------------------------------------------- Aruandeperioodi kasum 4 049 13 398 15 555 -2 157 -14% ------------------------------------------------------------------------------- Ärimahud, tuhandetes eurodes Mai 2024 5 kuud 2024 5 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 2 216 907 2 216 907 1 564 651 652 256 +42% Nõuded klientidele 1 849 189 1 849 189 1 489 165 360 024 +24% Võtmenäitajad Mai 2024 5 kuud 2024 5 kuud 2023 Erinevus YoY ------------------------------------------------------------------------------- ROE 19,6% 13,0% 17,1% -4,1pp Kulu/ tulu suhe (C/I) 40,1% 42,4% 41,2% +1,1pp Soovitusindeks (NPS) 57 58 57 +1 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 2,5 miljardit eurot. Argo Kiltsmann Juhatuse liige Telefon: +372 5393 0833 E-mail: argo.kiltsmann@bigbank.ee www.bigbank.ee
Pealkiri
Bigbank AS results for May 2024
Teade
May 2024 was the most successful month of the year so far for Bigbank. The growth of the loan portfolio was the largest of the year, and the deposit portfolio also continued to grow. The net profit of 4.0 million euros and a return on equity of 19.6% were the strongest indicators so far this year. The loan portfolio grew by more than 55 million euros in a month, indicating that the strong results of April were followed by an even more successful May. The largest growth was seen in the home loan portfolio, with significant increases in Estonia, Latvia, and Lithuania. Considering the current state of the real estate market, it can be said that Bigbank's home loan offering is becoming increasingly attractive to a wider range of home loan seekers. There was also notable growth in business and consumer loan portfolios. In May, the moderate decline in the Euribor that began in April continued. The market's expectation for the European Central Bank to lower interest rates deepened throughout May, which materialised at the beginning of June with a 0.25 percentage point reduction in base rates. This means that a moderate reduction in deposit interest rates is also evident in all Bigbank's deposit markets. From the perspective of Bigbank's deposit products, this meant that an increasing number of deposit clients are once again preferring term deposits over savings deposits in a declining interest rate environment, fixing a suitable interest rate for a longer period. Overall, this resulted in a notable growth in the term deposit portfolio and a slight decrease in the savings deposit portfolio. The deposit portfolio grew by over 26 million euros in May. The positive trend in loan portfolio quality that began in April continued in May. In May, the amount of net loss allowances for loans and financial investments and provision expenses was 1.7 million euros, a significant decrease compared to the first quarter level. The proportion of non-performing loans in the total loan portfolio remains low. May's net profit of 4.0 million euros is a strong result. Compared to the cumulative results of the first five months of last year, Bigbank's net profit has decreased by 2.2 million euros. The main factor is the growth of net loss allowances for loans and financial investments over the five months, but the increase in salary and income tax expenses also has a significant impact. The latter effect is mainly due to the income tax obligation imposed on credit institutions in Latvia, which has affected financial results since December 2023. Bigbank's May 2024 financial results: * Deposits from customers and loans received increased by 652 million euros year-on-year, reaching 2.2 billion euros (+42%). * Loans to customers increased by 360 million euros year-on-year, reaching 1.8 billion euros (+24%). * Net interest income was 9.5 million euros in May, totalling 44.7 million euros for the first five months of the year. Compared to the same period last year, the growth for the first five months was 6.3 million euros (+16%). * Net loss allowances for loans and financial investments and provision expenses amounted to 12.2 million euros for the first five months of the year. Compared to the same period last year, this was an increase of 5.1 million euros or 72%. * May's net profit was 4.0 million euros. The cumulative profit for the first five months was 13.4 million euros, decreasing by 2.2 million euros or 14% compared to the same period in 2023. * Return on equity was 19.6% in May. Income statement, in thousands of Difference euros May 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- Total net operating income, incl. 10,734 48,906 42,056 6,851 +16% Net interest income 9,544 44,710 38,458 6,252 +16% Net fee and commission income 751 3,652 3,334 318 +10% Total expenses, incl. -4,300 -20,721 -17,335 -3,386 +20% Salaries and associated charges -2,168 -10,902 -9,610 -1,292 +13% Administrative expenses -1,434 -6,377 -6,026 -351 +6% Profit before loss allowances 6,435 28,186 24,721 3,465 +14% Net loss allowances on loans and financial investments and other provisions -1,663 -12,202 -7,077 -5,125 +72% Income tax expense -723 -2,615 -1,957 -658 +34% Profit for the period from continuing operations 4,049 13,369 15,687 -2,318 -15% Profit or loss before tax from discounted operations 0 29 -132 161 ------------------------------------------------------------------------------- Profit for the period 4,049 13,398 15,555 -2,157 -14% ------------------------------------------------------------------------------- Business volumes, in thousands of Difference euros May 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- Customer deposits and loans received 2,216,907 2,216,907 1,564,651 652,256 +42% Loans to customers 1,849,189 1,849,189 1,489,165 360,024 +24% Key figures Difference May 2024 YTD24 YTD23 YoY ------------------------------------------------------------------------------- ROE 19.6% 13.0% 17.1% -4.1pp Cost / income ratio (C/I) 40.1% 42.4% 41.2% +1.1pp Net promoter score (NPS) 57 58 57 +1 Bigbank AS (www.bigbank.eu (https://www.globenewswire.com/Tracker?data=kdH_eybdu_iLUpvR0ii9JKtZ4JK3Kd00gBUU UpvXsCw1j7uIDqNY0JGl- onoOcKOnyOzKgskDLIyoZCd4sxDi0KMv1r7TiPZB_4KVtuXisdWH4BxitMNoE7XNd5h6y1QSrM3SGmtm g3CGdQ1MAvY4xhsUM3SW_1ReCgokW3ypqP8_XVkzlkk5GKlHsOI1wT4WraoM6_S9Thq7Cg5kg3g1LGXw tQJV8kqkQMXzlngEhc=)) 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=zbD- BxdDQwdcYyMrDrnCD9o7AOjIQt7GnoxpWcHYV_0pziB1xfteS2FasJOJsBQUoT69v7fxbiS9JTXNbG_w dVH8GUZkTik8Bgqi_HaDZS2oiihKFiTk4pudbNCeBzkIxbMEntaUUFgB4RKMD5gDDxrq9XeNd9JFc_h0 k7Pv74UgLSs5uvhOd6KQ8zp_wBDQXTOcM2BCFDOxoYJ0QIVKzVkbbgKaC-Z-rwjnT2- PohySSmXwmpbM2eYe5KePbr0UjyVT4GfB2ughrXfPphCjNUt_dY8Y4WlUCGfmWh1dBKg=) www.bigbank.ee (https://www.globenewswire.com/Tracker?data=kdH_eybdu_iLUpvR0ii9JIk4ZHYdBwS8fHnw KUU_HlO9hY8AjIK-srvC0U5EMljC3oQ9- posw6WrZSwCBs8x1Q443Jwse8f5d_3awacNqrazTMBRQyJWtWjJC7PKVvHJ1p6NvA7_sbkeK9V1rGlut 1AEoVU0kFFMDf8udpNPGiHuVR- opg4zdU_t5DzoZsu2DabUrKc2AbGKK6yrIyvD3tfBlCeNOrhKYFYyqwtbvt4=)