Börsiteade
Coop Pank AS
LEI kood
549300EHNXQVOI120S55
Emitendi suuruskategooria
Suur kontsern
Majandustegevusalad
Finants- ja kindlustustegevus
Sektor(id)
Krediidiasutus
Emitendi registreeritud asukoht
Eesti
Üldandmed
Kategooriad
Muud korporatiivtoimingud
Teate ID
9687
Manused
Esitamise kuupäev ja aeg
20.07.2022 08:00:00
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Coop Pank 2022. aasta II kvartali auditeerimata majandustulemused
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2022. aasta II kvartali lõpu seisuga oli Coop Pangal 130 700 klienti, klientide arv kasvas kvartaliga 8 300 kliendi võrra (+7%). Arveldavaid kliente oli pangal 58 700, kvartaliga kasvas arveldavate klientide arv 4 500 võrra (+8%). Coop Panga hoiuste maht kasvas 2022. aasta II kvartalis 100 miljoni euro võrra (+9%), ulatudes 1,25 miljardi euroni. Kiireimat kasvu näitas äriklientide hoiuste portfell, mille maht kasvas 87 miljoni euro võrra, millest 31 miljonit olid nõudmiseni hoiused ja 57 miljonit tähtajalised hoiused. Eraklientide hoiuste maht kasvas 4 miljoni euro võrra, nõudmiseni hoiused kasvasid 11 miljoni euro võrra ja tähtajalised hoiused kahanesid 7 miljoni euro võrra. Rahvusvahelise hoiuste kaasamise platvormi Raisin hoiused ja muu finantseering kasvas 9 miljoni euro võrra. Võrreldes 2021. aasta II kvartaliga on Coop Panga hoiuste maht kasvanud 357 miljoni euro võrra (+40%). Aastases võrdluses on panga nõudmiseni hoiuste osakaal kõigist hoiustest tõusnud 44% pealt 49% peale. 2022. II kvartalis oli finantseerimiskulu 0,5%, eelmisel aastal samal ajal 0,8%. 2022. aasta II kvartalis kasvas Coop Panga neto laenuportfell 91 miljoni euro võrra (+9%), ulatudes 1,13 miljardi euroni. Kiireimat kasvu näitas kodulaenude portfell, mille maht kasvas 40 miljoni euro võrra (+10%). Ärilaenude portfell kasvas 36 miljoni euro võrra (+8%), liisinguportfell kasvas 10 miljoni euro võrra (+9%) ja tarbimisfinantseerimise portfell kasvas 6 miljoni euro võrra (+9%). 2021. aasta II kvartaliga võrreldes on laenuportfell kasvanud 359 miljoni euro võrra (+46%). 2022. aasta II kvartalis püsis Coop Panga viivises olev laenuportfell neljandat kvartalit järjest 2% tasemel. Aastases võrdluses on viivises oleva laenuportfelli maht langenud 3% tasemelt 2% tasemele. Finantsvarade allahindluse kulu oli 2022. aasta II kvartalis 1,2 miljonit eurot, mida on 0,4 miljonit eurot (+57%) rohkem kui oli 2021 II kvartalis. Coop Panga netotulud olid 2022. aasta II kvartalis 12,8 miljonit eurot, tõustes kvartaalses võrdluses 11% ja aastases võrdluses 37%. Tegevuskulud ulatusid II kvartalis 6,6 miljoni euroni, kvartaalses võrdluses kasvasid tegevuskulud 7% ja aastases võrdluses 24%. Coop Pank teenis 2022. aasta II kvartalis 4,6 miljonit eurot puhaskasumit, mida on 31% rohkem kui eelmises kvartalis ja 51% rohkem kui aasta tagasi. Panga kulude ja tulude suhe oli 2022. aasta II kvartalis 52% ja omakapitali tootlus 15,8%. Coop Pangal on 30.06.2022 seisuga ligi 30 tuhat aktsionäri, aktsionäride arv kvartali jooksul oluliselt ei muutunud. Coop Panga juhatuse esimehe Margus Rinki kommentaar tulemustele: ?Coop Pank näitas teises kvartalis taas korralikku kasvu. Täidame jätkuvalt kõiki investoritele lubatud eesmärke: panga ärimahud on aastaga kasvanud 40% võrra, kvartaalne kulu-tulu suhe on langenud 52% tasemele ja omakapitali tootlus tõusnud 15,8% tasemele. Coop Panga laenuportfelli turuosa tõusis 5% peale ja hoiuste portfelli turuosa 4,4% peale. Kõik see näitab, et pank tegutseb üha paremate tulemusnäitajatega ning meie jalajälg Eesti majandusruumis üha suureneb. Kasvustrateegia toetamiseks viis Coop Pank teises kvartalis edukalt läbi täiendava kapitali kaasamise ja emiteeris professionaalsetele investoritele tähtajatuid allutatud võlakirju. Vaatamata finantsturgudel valitsevale ärevale ajale emissioon õnnestus ja pank kaasas kasvamiseks 16,1 miljonit eurot kapitali. Aprillis otsustas Coop Panga üldkoosolek maksta investoritele 2021. aasta eest dividendi netosummas 3 eurosenti ühe aktsia kohta. See oli esimene kord kui Coop Pank investoritele dividende maksis. Ligi 30 000 aktsionärile maksti kokku 2,74 miljoni euro väärtuses dividende, millest 98% laekus Eesti residentide pangakontodele. Vastavalt aktsionäride poolt kinnitatud dividendipoliitikale maksab Coop Pank nüüdsest iga-aastasest kasumist dividendideks 25%." Kasumiaruanne, tuh. eurodes 2022 II kv 2022 I kv 2021 II kv 2022 6 kuud 2021 6 kuud ------------------------------------------------------------------------------- Neto intressitulud 11 629 10 595 8 325 22 224 16 368 Neto teenustasutulud 904 795 783 1 699 1 431 Muud tegevustulud, neto 224 102 233 327 435 ------------------------------------------------------------------------------- Netotulud kokku 12 757 11 492 9 341 24 250 18 234 ------------------------------------------------------------------------------- Tööjõukulud -3 780 -3 449 -3 065 -7 229 -5 944 Turunduskulud -399 -391 -314 -790 -619 Rent, kontorikulud ja mat.pv. kulum -669 -688 -575 -1 357 -1 155 IT kulud ja immat. põhivara kulum -1 116 -973 -809 -2 089 -1 549 Muud kulud -646 -697 -574 -1 344 -1 192 ------------------------------------------------------------------------------- Tegevuskulud kokku -6 610 -6 198 -5 336 -12 809 -10 459 ------------------------------------------------------------------------------- Kasum enne allahindluste kulu 6 147 5 293 4 005 11 441 7 775 Finantsvarade allahindlus -1 181 -1 494 -753 -2 675 -1 524 Kasum enne tulumaksu 4 966 3 800 3 252 8 766 6 251 Tulumaksu kulu -378 -299 -220 -677 -384 ------------------------------------------------------------------------------- Aruandeperioodi puhaskasum 4 588 3 500 3 032 8 089 5 867 ------------------------------------------------------------------------------- Finantsseisundi aruanne, tuh. eurodes 30.06.2022 31.03.2022 31.12.2021 30.06.2021 Raha ja raha ekvivalendid 261 821 230 938 252 799 221 666 Võlainstrumendid 4 969 4 964 5 932 3 678 Laenud klientidele 1 131 367 1 040 209 953 396 772 516 Muud varad 30 711 29 573 29 849 26 513 ------------------------------------------------------------------------------- Varad kokku 1 428 868 1 305 683 1 241 976 1 024 373 ------------------------------------------------------------------------------- Klientide hoiused ja saadud laenud 1 248 711 1 148 536 1 098 746 891 397 Muud kohustised 19 706 14 776 14 423 11 983 Allutatud laenud 43 164 27 111 17 064 17 064 ------------------------------------------------------------------------------- Kohustised kokku 1 311 581 1 190 422 1 130 233 920 443 ------------------------------------------------------------------------------- Omakapital 117 287 115 261 111 743 103 930 ------------------------------------------------------------------------------- Kohustised ja omakapital kokku 1 428 868 1 305 683 1 241 976 1 024 373 ------------------------------------------------------------------------------- Coop Panga aruanded on leitavad aadressilt: https://www.cooppank.ee/aruandlus Coop Pank korraldab 2022. aasta II kvartali majandustulemuste tutvustamiseks veebiseminari 20. juulil 2022 kell 10.00. Osalemiseks palume eelnevalt registreeruda aadressil: https://bit.ly/CP-veebiseminar-20-07-registreerimine Veebiseminar salvestatakse ning avalikustatakse Coop Panga kodulehel www.cooppank.ee (https://www.globenewswire.com/Tracker?data=ysaYE2aduEcKrKAVh7DYM6LiE28UTJqD7xkd SPeY2t-8glSNNf3zmGgGz59--m-ZGdW8mZfR_aEVv-L5dz38qQ==) ja YouTube'i kontol. Eesti kapitalil põhinev Coop Pank on üks viiest Eestis tegutsevast universaalpangast. Pangal on 130 700 igapäevapanganduse klienti. Coop Pank kasutab jaekaubanduse ja panganduse vahel tekkivat sünergiat ning toob igapäevased pangateenused inimeste kodu lähedale. Panga strateegiliseks aktsionäriks on kodumaine kaubanduskett Coop Eesti, mille müügivõrgustikku kuulub 330 kauplust. Lisainfo: Paavo Truu Finantsjuht Telefon: +372 516 0231 E-post: [email protected] (mailto:[email protected])
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Coop Pank unaudited financial results for Q2 2022
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By the end of the Q2 2022, Coop Pank had 130,700 customers, during the quarter the number of customers increased by 8,300 (+7%). The bank had 58,700 active customers, during the quarter the number of active customers increased by 4,500 (+8%). In Q2 2022, volume of deposits in Coop Pank increased by 100 million euros (+9%), reaching total of 1.25 billion euros. Deposits from domestic companies showed the fastest growth, increasing by 87 million euros, of which 31 million were demand deposits and 57 million were term deposits. Deposits from private clients increased by 4 million euros, demand deposits increased by 11 million euros and term deposits decreased by 7 million euros. Deposits from international deposit platform Raisin and other financing increased by 9 million euros. Compared to Q2 2021, volume of Coop Pank's deposits has increased by 357 million euros (+40%). In an annual comparison, share of demand deposits to total deposits has increased from 44% to 49%. In Q2 2022, the bank's financing cost was 0.5%, at the same time last year the financing cost was 0.8%. In Q2 2022, net loan portfolio of Coop Pank increased by 91 million euros (+9%), reaching 1.13 billion euros. Home mortgage loan portfolio showed the fastest growth, increasing the volume by 40 million euros (+10%). Business loans portfolio increased by 36 million euros (+8%), leasing portfolio increased by 10 million euros (+9%) and consumer finance portfolio increased by 6 million euros (+9%). Compared to Q2 2021, total loan portfolio of Coop Pank has grown by 359 million euros (+46%). In Q2 2022, overdue loan portfolio of Coop Pank remained for the fourth consecutive quarter at the level of 2%. In an annual comparison, overdue loan portfolio decreased from the level of 3% to 2%. Impairment costs of financial assets in Q2 2022 were 1.2 million euros, which is 0.4 million euros (+57%) more than in Q2 2021. Net income of Coop Pank in Q2 2022 was 12.8 million euros, having grown 11% over the quarter and 37% over the year. Operating expenses reached 6.6 million euros in Q2 - operating expenses increased in the quarterly comparison by 7% and by 24% in the annual comparison. In Q2 2022, net profit of Coop Pank was 4.6 million euros, which is 31% more than in the previous quarter and 51% more than a year ago. In Q2 2022, cost to income ratio of the bank was 52% and return on equity was 15.8%. As of 30 June 2022, Coop Pank has ca 30 thousand shareholders, number of shareholders has been stable during the quarter. Margus Rink, Chairman of the Management Board of Coop Pank, comments the results: "In the second quarter of the year Coop Pank showed again decent growth. We continue to meet all the goals promised to investors: the bank's business volumes have increased by 40% over the year, the quarterly cost-income ratio has fallen to 52% and the return on equity has risen to 15.8%. The market share of Coop Pank's loan portfolio increased to 5% and the market share of the deposit portfolio to 4.4%. All this shows that the bank is operating with increasingly better performance indicators and our impact in the Estonian economy is increasing. To support the growth strategy, Coop Pank successfully raised additional capital in the second quarter and carried out a target issue of bonds to professional investors. Despite the turbulent times in the financial markets, the issue of bonds succeeded and the bank brought 16.1 million euros of capital for growth. In April, the general meeting of Coop Pank decided to pay investors dividends for 2021 in the net amount of 3 euro cents per share. This was the first time that the bank has paid dividends to its investors. A total of 2.74 million euros was paid out to almost 30,000 shareholders, of which 98% was received in the bank accounts of Estonian residents. In accordance with the dividend policy approved by the shareholders, Coop Pank will henceforth pay out 25% of its annual net profit as dividends." Income statement, in th. euros Q2 2022 Q1 2022 Q2 2021 6M 2022 6M 2021 ------------------------------------------------------------------------------- Net interest income 11 629 10 595 8 325 22 224 16 368 Net fee and commission income 904 795 783 1 699 1 431 Net other income 224 102 233 327 435 ------------------------------------------------------------------------------- Total net income 12 757 11 492 9 341 24 250 18 234 ------------------------------------------------------------------------------- Payroll expenses -3 780 -3 449 -3 065 -7 229 -5 944 Marketing expenses -399 -391 -314 -790 -619 Rental and office expenses, depr. of tangible assets -669 -688 -575 -1 357 -1 155 IT expenses and depr. of intangible assets -1 116 -973 -809 -2 089 -1 549 Other operating expenses -646 -697 -574 -1 344 -1 192 ------------------------------------------------------------------------------- Total operating expenses -6 610 -6 198 -5 336 -12 809 -10 459 ------------------------------------------------------------------------------- Net profit before impairment losses 6 147 5 293 4 005 11 441 7 775 Impairment costs on financial assets -1 181 -1 494 -753 -2 675 -1 524 Net profit before income tax 4 966 3 800 3 252 8 766 6 251 Income tax expenses -378 -299 -220 -677 -384 ------------------------------------------------------------------------------- Net profit for the period 4 588 3 500 3 032 8 089 5 867 ------------------------------------------------------------------------------- Statement of financial position, in thousands of euros 30.06.2022 31.03.2022 31.12.2021 30.06.2021 Cash and cash equivalents 261 821 230 938 252 799 221 666 Debt securities 4 969 4 964 5 932 3 678 Loans to customers 1 131 367 1 040 209 953 396 772 516 Other assets 30 711 29 573 29 849 26 513 ------------------------------------------------------------------------------- Total assets 1 428 868 1 305 683 1 241 976 1 024 373 ------------------------------------------------------------------------------- Customer deposits and loans received 1 248 711 1 148 536 1 098 746 891 397 Other liabilities 19 706 14 776 14 423 11 983 Subordinated debt 43 164 27 111 17 064 17 064 ------------------------------------------------------------------------------- Total liabilities 1 311 581 1 190 422 1 130 233 920 443 ------------------------------------------------------------------------------- Equity 117 287 115 261 111 743 103 930 ------------------------------------------------------------------------------- Total liabilities and equity 1 428 868 1 305 683 1 241 976 1 024 373 ------------------------------------------------------------------------------- The reports of Coop Pank are available at: https://www.cooppank.ee/en/reporting Coop Pank will organise a webinar on 20 July 2022 at 10:00 AM, to present the financial results of Q2 2022. For participation, please register in advance at: https://bit.ly/CP-veebiseminar-20-07-registreerimine The webinar will be recorded and published on the company's website www.cooppank.ee (http://www.cooppank.ee) and on the YouTube channel. Coop Pank, based on Estonian capital, is one of the five universal banks operating in Estonia. The bank has 130,700 daily banking clients. Coop Pank aims to put the synergy generated by the interaction of retail business and banking to good use and to bring everyday banking services closer to people's homes. The strategic shareholder of the bank is the domestic retail chain Coop Eesti, comprising of 330 stores. Additional information: Paavo Truu CFO Phone: +372 516 0231 E-mail: [email protected] (mailto:[email protected])