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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
March
results
April
results
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
Pillar 3 report
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

Main financial indicators

 

Business volumes, financial results and key ratios

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