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
17020
Esitamise kuupäev ja aeg
27.02.2025 08:00:33
Teate sisu eesti keeles
Pealkiri
Bigbank AS 2025. aasta jaanuari tulemused
Teade
Bigbank alustas 2025. aastat jätkuva kasvu ja tugeva kasumlikkusega.
Laenuportfelli kasvu vedasid fookustooted: kodulaenude portfell suurenes kuuga
18 miljoni ja ärilaenude portfell 11 miljoni euro võrra. Tarbimislaenude
portfell jäi 2024. aasta lõpu tasemele lähedaseks, kasvades kuuga 1 miljoni euro
võrra. Kokku suurenes laenuportfell aasta esimese kuuga pea 30 miljoni euro
võrra.
Hoiuseportfelli kasvas jaanuaris veelgi rohkem. Langevate intresside keskkonnas
pakkus Bigbank jaanuaris kõikidel oma koduturgudel soodsaid hoiuseintresse nii
tähtajalistele kui säästuhoiustele. Seetõttu suurenesid mõlema hoiusetoote
portfellid enam kui 75 miljoni euro võrra ning panga hoiuseportfell kokku 151
miljonit eurot. See on tugev tulemus, mis kinnitab Bigbanki võimet oluliselt
laiendada hoiustajate kliendibaasi ja kasvatada hoiuseportfelli ka lühikese aja
jooksul.
Intressitulud kasvasid võrreldes eelmise aasta jaanuariga - suurenenud
laenuportfelli positiivne mõju ületas intressikeskkonna langusest tuleneva
negatiivse mõju intressituludele. Samal ajal suurenes aga oluliselt ka
intressikulude maht, kuna hoiuseportfell kasvas. Nende tegurite koondmõjuna
moodustasid netointressitulud jaanuaris 8,5 miljonit eurot, mis jäi eelmise
aasta jaanuari näitajale alla 0,6 miljoni euroga.
Positiivne oli asjaolu, et oluliselt kasvanud laenuportfelli juures vähenes
eeldatava krediidikahju netokulu ja eraldiste kulu võrreldes eelmise aasta
jaanuariga 0,4 miljoni euro võrra, kokku 1,8 miljoni euroni. Laenuportfelli
krediidikvaliteet püsis 2024. aasta lõpuga sarnasel tasemel.
Jaanuari puhaskasum oli 3,0 miljonit eurot - arvestades jätkuvalt langevat
intressikeskkonda ja sellest tulenevat survet netointressituludele, on see
korralik tulemus. Rõõmu valmistasid mitmed positiivsed arengud: võrreldes 2024.
aasta jaanuariga püsisid tegevuskulud eelmise aasta tasemel ning netoteenustasud
suurenesid 0,1 miljoni euro võrra. Negatiivse arenguna saab välja tuua
tulumaksukulu suurenemise 0,3 miljoni euro võrra. Peamised põhjused olid Eestis
ja Leedus 2025. aasta algusest kehtima hakanud kõrgemad tulumaksumäärad.
Bigbanki 2025. aasta jaanuari majandustulemused:
* Klientide hoiused ja saadud laenud kasvasid aastaga 550 miljoni euro võrra,
ulatudes 2,55 miljardi euroni (+27%).
* Nõuded klientidele kasvasid aastaga 535 miljonit eurot, jõudes 2,22 miljardi
euroni (+32%).
* Neto intressitulud olid jaanuaris 8,5 miljonit eurot, vähenedes võrreldes
eelmise aasta jaanuariga 0,6 miljoni euro võrra (-7%).
* Eeldatava krediidikahju netokulu ja eraldiste kulu oli jaanuaris 1,8
miljonit eurot, mis on 0,4 miljoni euro võrra vähem kui aasta tagasi (-
18%).
* Jaanuari puhaskasum oli 3,0 miljonit eurot, vähenedes võrreldes 2024. aasta
sama perioodiga 0,2 miljoni euro võrra (-7%).
* Omakapitali tootlus oli jaanuaris 13,4%.
Kasumiaruanne, tuhandetes
eurodes Jaanuar 2025 1 kuu 2025 1 kuu 2024 Erinevus YoY
-------------------------------------------------------------------------------
Neto tegevustulud kokku, sh 9 334 9 334 9 675 -341 -4%
Netointressitulu 8 479 8 479 9 087 -608 -7%
Neto teenustasud 833 833 722 112 +15%
Tegevuskulud kokku, sh -3 924 -3 924 -3 918 -7 +0%
Palgakulud -2 406 -2 406 -2 214 -191 +9%
Halduskulud -826 -826 -1 025 199 -19%
Kasum enne allahindluste kulu 5 409 5 409 5 757 -348 -6%
Eeldatava krediidikahju
netokulu ja eraldiste kulu -1 773 -1 773 -2 150 378 -18%
Tulumaks -615 -615 -358 -257 +72%
Aruandeperioodi jätkuvate
tegevuste kasum 3 022 3 022 3 248 -226 -7%
Kasum/Kahjum lõpetatud
tegevustest 0 0 0 0
-------------------------------------------------------------------------------
Aruandeperioodi kasum 3 022 3 022 3 248 -226 -7%
-------------------------------------------------------------------------------
Ärimahud, tuhandetes eurodes Jaanuar 2025 1 kuu 2025 1 kuu 2024 Erinevus YoY
-------------------------------------------------------------------------------
Klientide hoiused ja saadud
laenud 2 552 433 2 552 433 2 002 513 549 920 +27%
Nõuded klientidele 2 222 375 2 222 375 1 687 528 534 847 +32%
Võtmenäitajad Jaanuar 2025 1 kuu 2025 1 kuu 2024 Erinevus YoY
-------------------------------------------------------------------------------
ROE 13,4% 13,4% 15,5% -2,1pp
Kulu/ tulu suhe (C/I) 42,0% 42,0% 40,5% +1,6pp
Soovitusindeks (NPS) 58 58 57 +1
Võrreldes 2024. aasta jaanuari finantstulemustes avaldatuga on aasta varasema
perioodi netointressitulu ja eeldatava krediidikahju netokulu korrigeeritud,
vähendades mõlemat 0,3 miljoni euro võrra. Korrigeerimine on seotud tuvastatud
veaga, mille kohaselt oli langenud krediidiväärtusega finantsvaradelt
intressitulu arvestatud finantsvarade brutopositsioonilt, mitte netopõhiselt.
See korrektsioon 2024. aasta jaanuari puhaskasumit ei mõjuta.
Rohkem kui 30-aastase tegevusajalooga Bigbank AS (www.bigbank.ee
(https://www.globenewswire.com/Tracker?data=FaBrrlwxMqGO4FmIUVGvAbGahftmZFZfWMmo
NYGRyNHoJj0S_a5wyaWH7rvPoN5XtnLg3eWqhGKLycgvnCD5rZsWXCIXFO62lPRt3IGdWV484EFGB0ug
aP-A1pmuQnv_S5xGWwIep4Evg8AgNBWO5uO57yyJukZoPV-
WZE2Qopc0QMxUVIYXvZQLugRwoOaLbtWzf_VM6LQsEVona9xHyk6I4vGZOHVg6Q80McppQkc=)) on
Eesti kapitalile kuuluv kommertspank. 31.jaanuari 2025 seisuga oli panga
bilansimaht kokku 2,9 miljardit eurot ning omakapital 273 miljonit eurot.
Üheksas riigis tegutseval pangal on kokku üle 168 000 aktiivse kliendi ning
üle 500 töötaja. Reitinguagentuur Moody's on väljastanud Bigbankile pikaajalise
pangahoiuste reitingu tasemel Ba1 ning baaskrediidireitingu (BCA) ja kohandatud
BCA tasemel Ba2.
Argo Kiltsmann
Juhatuse liige
Telefon: +372 5393 0833
E-mail: [email protected]
www.bigbank.ee
Teate sisu inglise keeles
Pealkiri
Bigbank AS Results for January 2025
Teade
Bigbank started 2025 with continued growth and strong profitability.
The loan portfolio growth was driven by focus products: the home loan portfolio
increased by 18 million euros and the business loan portfolio by 11 million
euros in a month. The consumer loan portfolio remained close to the level at the
end of 2024, growing by 1 million euros over the month. In total, the loan
portfolio grew by nearly 30 million euros in the first month of the year.
The deposit portfolio grew even more in January. In a declining interest rate
environment, Bigbank offered attractive deposit rates on both term and savings
deposits across all its home markets. As a result, the portfolios of both
deposit products increased by more than 75 million euros, bringing the bank's
total deposit portfolio growth to 151 million euros. This is a strong result
that confirms Bigbank's ability to significantly expand its depositor customer
base and grow its deposit portfolio even in a short period.
Interest income increased compared to January of the previous year - the
positive impact of the larger loan portfolio outweighed the negative impact of
the declining interest rate environment on interest income. At the same time,
interest expenses also increased significantly due to the growth of the deposit
portfolio. As a combined effect of these factors, net interest income in January
amounted to 8.5 million euros, which was 0.6 million euros lower than in January
of the previous year.
A positive development was that, despite the significantly increased loan
portfolio, the net cost of expected credit losses and provisions decreased by
0.4 million euros compared to January of the previous year, totaling 1.8 million
euros. The credit quality of the loan portfolio remained at a similar level to
the end of 2024.
Net profit for January was 3.0 million euros - considering the continuing
decline in the interest rate environment and the resulting pressure on net
interest income, this is a solid result. Several positive developments stood
out: compared to January 2024, operating expenses remained at the same level,
and net fee and commission income increased by 0.1 million euros. A negative
development was the increase in income tax expenses by 0.3 million euros,
primarily due to the higher income tax rates that came into effect in Estonia
and Lithuania at the beginning of 2025.
Bigbank's financial results for January 2025:
* Deposits from customers and loans received increased by 550 million euros
year-on-year, reaching 2.55 billion euros (+27%).
* Loans to customers grew by 535 million euros year-on-year, reaching 2.22
billion euros (+32%).
* Net interest income in January was 8.5 million euros, decreasing by 0.6
million euros compared to January of the previous year (-7%).
* Net allowance for expected credit losses and provision expenses amounted to
1.8 million euros in January, which is 0.4 million euros less than a year
ago (-18%).
* Net profit for January was 3.0 million euros, decreasing by 0.2 million
euros compared to the same period in 2024 (-7%).
* Return on equity in January was 13.4%.
Income statement, in thousands of Difference
euros Jan 2025 YTD25 YTD24 YoY
-------------------------------------------------------------------------------
Total net operating income, incl. 9,334 9,334 9,675 -341 -4%
Net interest income 8,479 8,479 9,087 -608 -7%
Net fee and commission income 833 833 722 112 +15%
Total expenses, incl. -3,924 -3,924 -3,918 -7 +0%
Salaries and associated charges -2,406 -2,406 -2,214 -191 +9%
Administrative expenses -826 -826 -1,025 199 -19%
Profit before loss allowances 5,409 5,409 5,757 -348 -6%
Net allowance for expected credit
losses and provision expenses -1,773 -1,773 -2,150 378 -18%
Income tax expense -615 -615 -358 -257 +72%
Profit for the period from
continuing operations 3,022 3,022 3,248 -226 -7%
Profit or loss before tax from
discounted operations 0 0 0 0
-------------------------------------------------------------------------------
Profit for the period 3,022 3,022 3,248 -226 -7%
-------------------------------------------------------------------------------
Business volumes, in thousands of Difference
euros Jan 2025 YTD25 YTD24 YoY
-------------------------------------------------------------------------------
Customer deposits and loans
received 2,552,433 2,552,433 2,002,513 549,920 +27%
Loans to customers 2,222,375 2,222,375 1,687,528 534,847 +32%
Key figures Difference
Jan 2025 YTD25 YTD24 YoY
-------------------------------------------------------------------------------
ROE 13.4% 13.4% 15.5% -2.1pp
Cost / income ratio (C/I) 42.0% 42.0% 40.5% +1.6pp
Net promoter score (NPS) 58 58 57 +1
Compared to the financial results published for January 2024, the net interest
income and the net allowance for expected credit losses for the prior period
have been adjusted, both reduced by 0.3 million euros. The adjustment is related
to an identified error, where interest income from impaired financial assets had
been accrued on the gross exposure of the financial assets, rather than on net
basis. This correction does not impact the net profit for January 2024.
Bigbank AS (www.bigbank.eu
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t1pHCt39pUgmAfBsSoR-B_TN2S)), with over 30 years of operating history, is a
commercial bank owned by Estonian capital. As of 31 January 2025, the bank's
total assets amounted to 2.9 billion euros, with equity of 273 million euros.
Operating in nine countries, the bank serves more than 168,000 active customers
and employs over 500 people. The credit rating agency Moody's has assigned
Bigbank a long-term bank deposit rating of Ba1, along with a baseline credit
assessment (BCA) and an adjusted BCA of Ba2.
Argo Kiltsmann
Member of the Management Board
Tel: +372 53 930 833
Email: [email protected]
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www.bigbank.ee
(https://www.globenewswire.com/Tracker?data=jiLS36WTQBB8IxmJcMy4jGV2IOycB3aWsCJB
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