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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
.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
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
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

Remuneration report
.pdf
Corporate Governance 2021
.pdf
Corporate Governance 2020
.pdf
Corporate Governance 2019
.pdf

Main financial indicators

 

Business volumes, financial results and key ratios

  2017 2018 2019 2020 2021 2022 Q1 2022 Q2 2022 Q3
Net loan portfolio (EUR millions) 238 329 460 671 953 1040 1131 1208
    business clients 68 101 157 258 423 468 503 532
    retail clients 114 138 179 263 365 397 437 473
    consumer financing 38 47 59 66 67 70 76 80
    leasing 19 40 64 84 98 105 115 123
Deposits 316 385 507 758 1099 1149 1249 1354
    demand deposits     153 120 152 302 518 575 617 672
    fixed-term deposits and loans received     163 265 354 456 581 574 632 682
Equity 45 49 89 98 112 115 117 123
             
Net revenue, total (EUR thousands)     17 289 19 768 23 719 31 089 39 238 11 492 12 757 13 847
    Interest 11 519 16 779 20 689 28 371 35 538 10 595 11 629 12 721
    service charges 2 170 2 302 2 372 2 097 3 085 796 904 978
    other 3 600 687 658 621 615 101 224 148
Total operating expenses     -11 518 -13 601 -16 261 -18 796 -22 453 -6 199 -6 610 -6 929
Operating profit 5 771 6 167 7 458 12 293 16 785 5 293 6 147 6 918
Loan impairment expenses     -1 313 -1 392 -1 931 -4 789 -2 497 -1 494 -1 181 -672
Profit before income tax     4 458 4 775 5 527 7 504 14 288 3 799 4 966 6 246
Income tax expenses 0 -22 0 -245 -825 -299 -378 -499
Net profit 4 458 4 753 5 527 7 259 13 463 3 500 4 588 5 747
    including share of parent company     4 345 4 753 5 527 7 259 13 463 3 500 4 588 5 747
             
Number of clients (thousands)     36 45 64 87 115 122 131 139
Number of employees (FTE)     192 220 273 289 313 326 330 335
             
Return on equity (ROE)     11.7% 10.1% 9.8% 7.8% 12.9% 12.3% 15.8% 19.1%
Return on assets (ROA)     1.3% 1.2% 1.0% 1.0% 1.3% 1.1% 1.3% 1.5%
Net interest margin (NIM)     3.7% 4.3% 4.2% 3.9% 3.4% 3.4% 3.4% 3.5%
Financing cost 0.6% 0.8% 1.0% 0.9% 0.7% 0.5% 0.5% 0.7%
Cost/income ratio (CIR)     66.6% 68.8% 68.6% 60.5% 57.2% 53.9% 51.8% 50.0%
Capital adequacy T1     17.3% 16.0% 22.3% 18.0% 14.0% 13.0% 13.4% 13.5%
Total capital adequacy     19.9% 18.1% 24.3% 19.5% 16.6% 16.7% 16.7% 16.7%
Annual credit risk rate     0.6% 0.7% 0.5% 0.5% 0.3% 0.6% 0.4% 0.2%
Liquidity coverage ratio (LCR)     728% 1375% 682% 275% 202% 153% 160% 157%