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!
Business volumes, financial results and key ratios
2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | I kv 2024 | |
---|---|---|---|---|---|---|---|---|
Net loan portfolio (EUR millions) | 238 | 329 | 460 | 671 | 953 | 1 301 | 1 491 | 1 531 |
business clients | 68 | 101 | 157 | 258 | 423 | 578 | 641 | 651 |
retail clients | 114 | 138 | 179 | 263 | 365 | 508 | 602 | 622 |
consumer financing | 38 | 47 | 59 | 66 | 67 | 86 | 95 | 94 |
leasing | 19 | 40 | 64 | 84 | 98 | 130 | 153 | 163 |
Deposits | 316 | 385 | 507 | 758 | 1 099 | 1 508 | 1 722 | 1 693 |
demand deposits | 153 | 120 | 152 | 302 | 518 | 717 | 494 | 508 |
fixed-term deposits and loans received | 163 | 265 | 354 | 456 | 581 | 791 | 1 228 | 1 185 |
Equity | 45 | 49 | 89 | 98 | 112 | 149 | 186 | 195 |
Net revenue, total (EUR thousands) | 17 289 | 19 768 | 23 719 | 31 089 | 39 238 | 54 631 | 85 204 | 20 221 |
Interest | 11 519 | 16 779 | 20 689 | 28 371 | 35 538 | 50 709 | 81 265 | 19 082 |
service charges | 2 170 | 2 302 | 2 372 | 2 097 | 3 085 | 3 785 | 4 847 | 1 104 |
other | 3 600 | 687 | 658 | 621 | 615 | 137 | -908 | 125 |
Total operating expenses | -11 518 | -13 601 | -16 261 | -18 796 | -22 453 | -27 177 | -35 128 | -9 427 |
Operating profit | 5 771 | 6 167 | 7 458 | 12 293 | 16 785 | 27 454 | 50 076 | 10 794 |
Loan impairment expenses | -1 313 | -1 392 | -1 931 | -4 789 | -2 497 | -5 245 | -6 302 | -576 |
Profit before income tax | 4 458 | 4 775 | 5 527 | 7 504 | 14 288 | 22 209 | 43 774 | 10 218 |
Income tax expenses | 0 | -22 | 0 | -245 | -825 | -1 859 | -4 570 | -1 080 |
Net profit | 4 458 | 4 753 | 5 527 | 7 259 | 13 463 | 20 350 | 39 204 | 9 138 |
including share of parent company | 4 345 | 4 753 | 5 527 | 7 259 | 13 463 | 20 350 | 39 204 | 9 138 |
Number of clients (thousands) | 36 | 45 | 64 | 87 | 115 | 147 | 182 | 189 |
Number of employees (FTE) | 192 | 220 | 273 | 289 | 313 | 352 | 418 | 431 |
Return on equity (ROE) | 11.7% | 10.1% | 9.8% | 7.8% | 12.9% | 16.8% | 23.5% | 19.2% |
Return on assets (ROA) | 1.3% | 1.2% | 1.0% | 1.0% | 1.3% | 1.4% | 2.1% | 1.8% |
Net interest margin (NIM) | 3.7% | 4.3% | 4.2% | 3.9% | 3.4% | 3.4% | 4.4% | 3.9% |
Financing cost | 0.6% | 0.8% | 1.0% | 0.9% | 0.7% | 0.7% | 2.4% | 3.5% |
Cost/income ratio (CIR) | 66.6% | 68.8% | 68.6% | 60.5% | 57.2% | 49.7% | 41.2% | 46.6% |
Capital adequacy T1 | 17.3% | 16.0% | 22.3% | 18.0% | 14.0% | 15.4% | 17.5% | 17.2% |
Total capital adequacy | 19.9% | 18.1% | 24.3% | 19.5% | 16.6% | 17.8% | 19.6% | 20.4% |
Annual credit risk rate | 0.6% | 0.7% | 0.5% | 0.5% | 0.3% | 0.5% | 0.5% | 0.2% |
Liquidity coverage ratio (LCR) | 728% | 1375% | 682% | 275% | 202% | 176% | 293% | 297% |
Amount per share | The date of fixing the list of shareholders | Payout date |
---|---|---|
8,7 eurocents | 03.05.2024 | 07.05.2024 |
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.