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Let’s stand united. Let’s grow together.

Coop Pank is here to stay. Our mission is to boost Estonian companies and help people make their dreams come true in every corner of Estonia – in the countryside as well as in the cities. Invest in your own future and in the future of Estonia!

Monthly and interim reports

January
results
.pdf
February
results
.pdf
January
results
.pdf
February
results
.pdf
March
results
.pdf
Interim report
I Quarter
.pdf
Presentation
I Quarter
.pdf
April
results
.pdf
May
results
.pdf
June
results
.pdf
Interim report
II Quarter
.pdf
Presentation
II Quarter
.pdf
July
results
.pdf
August
results
.pdf
September
results
.pdf
Interim report
III Quarter
.pdf
Presentation
III Quarter
.pdf
October
results
.pdf
November
results
.pdf
December
results
.pdf
Presentation
Quarter IV
.pdf
Interim report
Quarter IV
.pdf
January
results
.pdf
February
results
.pdf
March
results
.pdf
Interim report
Quarter I
.pdf
Presentation
Quarter I
.pdf
April
results
.pdf
May
results
.pdf
June
results
.pdf
Interim report
Quarter II
.pdf
Presentation
Quarter II
.pdf
July
results
.pdf
August
results
.pdf
September
results
.pdf
Interim report
Quarter III
.pdf
Presentation
Quarter III
.pdf
October
results
.pdf
November
results
.pdf
December
results
.pdf
Presentation
Quarter IV
.pdf
Interim report
Quarter IV
.pdf
January
results
.pdf
February
results
.pdf
March
results
.pdf
Interim report
Quarter I
.pdf
Presentation
Quarter I
.pdf
April
results
.pdf
May
results
.pdf
June
results
.pdf
Interim report
Quarter II
.pdf
Presentation
Quarter II
.pdf
July
results
.pdf
August
results
.pdf
September
results
.pdf
Interim report
Quarter III
.pdf
Presentation
Quarter III
.pdf
October
results
.pdf
November
results
.pdf
December
results
.pdf
Interim report
Quarter IV
.pdf
Presentation
Quarter IV
.pdf
January
results
.pdf
February
results
.pdf
Interim report
Quarter I
.pdf
Presentation
Quarter I
.pdf
April
results
.pdf
May
results
.pdf
Interim report
Quarter II
.pdf
Presentation
Quarter II
.pdf
July
results
.pdf
August
results
.pdf
Interim report
Quarter III
.pdf
Presentation
Quarter III
.pdf
October
results
.pdf
November
results
.pdf
Interim report
Quarter IV
.pdf
Presentation
Quarter IV
.pdf
Interim report
Quarter I
.pdf
Interim report
Quarter II
.pdf
Interim report
Quarter III
.pdf
Interim report
Quarter IV
.pdf
Interim report
Quarter I
.pdf
Interim report
Quarter II
.pdf
Interim report
Quarter III
.pdf
Interim report
Quarter IV
.pdf
Interim report
Quarter I
.pdf
Interim report
Quarter II
.pdf
Interim report
Quarter III
.pdf
Interim report
Quarter IV
.pdf
Interim report
Quarter I
.pdf
Interim report
Quarter II
.pdf
Interim report
Quarter III
.pdf
Interim report
Quarter IV
.pdf
Interim report
Quarter I
.pdf
Interim report
Quarter II
.pdf
Interim report
Quarter III
.pdf
Interim report
Quarter IV
.pdf
Interim report
Quarter I
.pdf
Interim report
Quarter II
.pdf
Interim report
Quarter III
.pdf
Interim report
Quarter IV
.pdf

Annual reports

Annual Report
.pdf
ESEF iXBRL
Reporting Package
.zip
ESEF iXBRL
Annual Report
.link
Pillar 3 report
.pdf
Annual Report
.pdf
Pillar 3 report
.pdf
ESEF iXBRL
Annual Report
.link
ESEF iXBRL
Reporting Package
.zip
Annual Report
.pdf
Pillar 3 report
.pdf
ESEF iXBRL
Annual Report
.link
ESEF iXBRL
Reporting Package
.zip
Annual report
.pdf
Pillar 3 report
.pdf
Annual report
.pdf
Pillar 3 report
Annual report
.pdf
Pillar 3 report
Annual report
.pdf
Pillar 3 report
.pdf
Annual report
.pdf
Disclosed information report
.pdf
Annual report
.pdf

Remuneration report & Corporate Governance & ESG

Corporate Governance Report
.pdf
Remuneration report
.pdf
Sustainability report
.pdf
Corporate Governance Report
.pdf
Remuneration report
.pdf
Sustainability report
.pdf
Corporate Governance Report
.pdf
Sustainability report
.pdf
Corporate Governance Report
.pdf

Main financial indicators

 

Business volumes, financial results and key ratios

  2017 2018 2019 2020 2021 2022 I kv 2022 II kv 2022 III kv 2022 IV kv 2022 2023
Net loan portfolio (EUR millions) 238 329 460 671 953 1 040 1 131 1 208 1 301 1 301 1 491
business clients 68 101 157 258 423 468 503 532 578 578 641
retail clients 114 138 179 263 365 397 437 473 508 508 602
consumer financing 38 47 59 66 67 70 76 80 86 86 95
leasing 19 40 64 84 98 105 115 123 130 130 153
Deposits 316 385 507 758 1 099 1 149 1 249 1 354 1 508 1 508 1 722
demand deposits 153 120 152 302 518 575 617 672 717 717 494
fixed-term deposits and loans received 163 265 354 456 581 574 632 682 791 791 1 228
Equity 45 49 89 98 112 115 117 123 149 149 186
                   
Net revenue, total (EUR thousands) 17 289 19 768 23 719 31 089 39 238 11 492 12 757 13 847 16 534 54 631 85 204
Interest 11 519 16 779 20 689 28 371 35 538 10 595 11 629 12 721 15 765 50 709 81 265
service charges 2 170 2 302 2 372 2 097 3 085 796 904 978 1 107 3 785 4 847
other 3 600 687 658 621 615 101 224 148 -338 137 -908
Total operating expenses -11 518 -13 601 -16 261 -18 796 -22 453 -6 199 -6 610 -6 929 -7 439 -27 177 -35 128
Operating profit 5 771 6 167 7 458 12 293 16 785 5 293 6 147 6 918 9 095 27 454 50 076
Loan impairment expenses -1 313 -1 392 -1 931 -4 789 -2 497 -1 494 -1 181 -672 -1 898 -5 245 -6 302
Profit before income tax 4 458 4 775 5 527 7 504 14 288 3 799 4 966 6 246 7 197 22 209 43 774
Income tax expenses 0 -22 0 -245 -825 -299 -378 -499 -682 -1 859 -4 570
Net profit 4 458 4 753 5 527 7 259 13 463 3 500 4 588 5 747 6 515 20 350 39 204
including share of parent company 4 345 4 753 5 527 7 259 13 463 3 500 4 588 5 747 6 515 20 350 39 204
                   
Number of clients (thousands) 36 45 64 87 115 122 131 139 147 147 182
Number of employees (FTE) 192 220 273 289 313 326 330 335 352 352 418
                   
Return on equity (ROE) 11.7% 10.1% 9.8% 7.8% 12.9% 12.3% 15.8% 19.1% 19.2% 16.8% 23.5%
Return on assets (ROA) 1.3% 1.2% 1.0% 1.0% 1.3% 1.1% 1.3% 1.5% 1.6% 1.4% 2.1%
Net interest margin (NIM) 3.7% 4.3% 4.2% 3.9% 3.4% 3.4% 3.4% 3.5% 3.9% 3.4% 4.4%
Financing cost 0.6% 0.8% 1.0% 0.9% 0.7% 0.5% 0.5% 0.7% 0.9% 0.7% 2.4%
Cost/income ratio (CIR) 66.6% 68.8% 68.6% 60.5% 57.2% 53.9% 51.8% 50.0% 45.0% 49.7% 41.2%
Capital adequacy T1 17.3% 16.0% 22.3% 18.0% 14.0% 13.0% 13.4% 13.5% 15.4% 15.4% 17.5%
Total capital adequacy 19.9% 18.1% 24.3% 19.5% 16.6% 16.7% 16.7% 16.7% 17.8% 17.8% 19.6%
Annual credit risk rate 0.6% 0.7% 0.5% 0.5% 0.3% 0.6% 0.4% 0.2% 0.6% 0.5% 0.5%
Liquidity coverage ratio (LCR) 728% 1375% 682% 275% 202% 153% 160% 157% 176% 176% 298%

 

Dividend payments

 

Amount per share The date of fixing the list of shareholders Payout date
4,5 eurocents 27.04.2023 03.05.2023
3 eurocents 28.04.2022 03.05.2022

 

The extraordinary General Meeting of the Shareholders held on November 8th, 2019 approved the dividend policy of Coop Pank AS, which is available here.