Coop Menüü
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
Main financial indicators
Business volumes, financial results and key ratios
| 2016 | 2017 | 2018 | 2019 | 1 kv 2020 | |
|---|---|---|---|---|---|
| Net loan portfolio (EUR millions) | 153 | 238 | 329 | 460 | 504 |
| business clients | 31 | 68 | 101 | 157 | 173 |
| retail clients | 99 | 114 | 138 | 179 | 199 |
| consumer financing | 13 | 38 | 47 | 59 | 61 |
| leasing | 10 | 19 | 40 | 64 | 70 |
| Deposits | 254 | 316 | 385 | 507 | 547 |
| demand deposits | 142 | 153 | 120 | 152 | 166 |
| fixed-term deposits and loans received | 112 | 163 | 265 | 354 | 381 |
| Equity | 30 | 45 | 49 | 89 | 90 |
| Net revenue, total (EUR thousands) | 10 960 | 17 289 | 19 768 | 23 719 | 7 117 |
| interest | 7 398 | 11 519 | 16 779 | 20 689 | 6 358 |
| service charges | 2 737 | 2 170 | 2 302 | 2 372 | 521 |
| other | 825 | 3 600 | 687 | 658 | 238 |
| Total operating expenses | -8 088 | -11 518 | -13 601 | -16 261 | -4 442 |
| Operating profit | 2 872 | 5 771 | 6 167 | 7 458 | 2 675 |
| Loan impairment expenses | -1 009 | -1 313 | -1 392 | -1 931 | -1 214 |
| Profit before income tax | 1 863 | 4 458 | 4 775 | 5 527 | 1 461 |
| Income tax expenses | -120 | 0 | -22 | 0 | 0 |
| Net profit | 1 743 | 4 458 | 4 753 | 5 527 | 1 461 |
| including share of parent company | 1 529 | 4 345 | 4 753 | 5 527 | 1 461 |
| Number of clients (thousands) | 31 | 36 | 45 | 64 | 69 |
| Number of employees (FTE) | 163 | 192 | 220 | 273 | 282 |
| Return on equity (ROE) | 5.3% | 11.7% | 10.1% | 9.8% | 6.5% |
| Return on assets (ROA) | 0.6% | 1.3% | 1.2% | 1.0% | 0.9% |
| Net interest margin (NIM) | 2.6% | 3.7% | 4.3% | 4.2% | 4.1% |
| Financing cost | 0.6% | 0.6% | 0.8% | 1.0% | 1.0% |
| Cost/income ratio (CIR) | 73.8% | 66.6% | 68.8% | 68.6% | 62.4% |
| Capital adequacy T1 | 18.8% | 17.3% | 16.0% | 22.3% | 19.5% |
| Total capital adequacy | 21.2% | 19.9% | 18.1% | 24.3% | 21.3% |
| Annual credit risk rate | 0.6% | 0.7% | 0.5% | 0.5% | 1.0% |
| Liquidity coverage ratio (LCR) | 1164% | 728% | 1375% | 682% | 716% |