Core Insights - The audited annual report for Bigbank AS for 2025 shows no changes from the previously published interim report, confirming the financial results [1] - The report will be submitted for approval to the General Meeting of Shareholders [1] Financial Performance - Total assets increased to 3.3 billion euros, rising by 538 million euros (+19%) [4] - Loans to customers grew to 2.7 billion euros, increasing by 511 million euros (+23%) [4] - The deposit portfolio grew to 2.9 billion euros, increasing by 486 million euros (+20%) [4] - Net profit amounted to 37.9 million euros [4] - Return on equity (ROE) stood at 13.3% [4] Company Overview - Bigbank AS has over 30 years of operating history and is a commercial bank owned by Estonian capital [2] - As of 31 December 2025, the bank serves more than 188,000 active customers and employs over 600 people [2] - Moody's assigned Bigbank a long-term bank deposit rating of Ba1, along with a baseline credit assessment (BCA) and an adjusted BCA of Ba2 [2]

Core Insights - Bigbank experienced strong growth and solid profitability at the start of 2026, with significant increases in both loan and deposit portfolios [1][2] Loan Portfolio - The loan portfolio grew by 71 million euros in January, driven primarily by a 62 million euro increase in business loans and a 9 million euro increase in home loans, while consumer loans remained stable [1] - The credit quality of the loan portfolio remained strong, with expected credit losses decreasing to 1.0 million euros, down 0.7 million euros from the previous year, and non-performing exposures accounting for 4.3% of all loan receivables [4][9] Deposit Portfolio - The deposit portfolio saw a robust increase of 112 million euros in January, with savings deposits rising by 62 million euros, term deposits by 46 million euros, and current account balances by 5 million euros [2] Financial Performance - Net interest income for January reached 9.7 million euros, an increase of 1.2 million euros or 14% year-on-year, driven by the expansion of the loan portfolio [3][9] - Total net operating income was 10,529 thousand euros, reflecting a 13% increase compared to January 2025 [8] - Net profit for January was 3.8 million euros, up 0.8 million euros or 25% year-on-year, benefiting from increased net interest income and reduced expected credit losses [6][9] Operational Metrics - The bank employed 655 people at the end of January, with personnel expenses increasing by 0.8 million euros compared to the previous year [5] - The return on equity (ROE) for January was 15.1%, an increase of 1.7 percentage points from the previous year [10]

Core Insights - Bigbank achieved record high loans to customers of 2.7 billion euros, increasing by 127 million euros (+5%) quarter-on-quarter and 511 million euros (+23%) year-on-year, driven by business and home loan products [1][11] - The total deposit portfolio grew to 2.9 billion euros, with a quarterly increase of 152 million euros (+6%) and an annual increase of 486 million euros (+20%) [2][11] - The net profit for 2025 reached 37.9 million euros, a growth of 5.6 million euros compared to 2024, reflecting a 17% increase [3][11] Loan Portfolio - The business loan portfolio increased by 90 million euros (+10%) to 1.0 billion euros, while the home loan portfolio rose by 47 million euros (+6%) to 820 million euros [1] - The consumer loan portfolio decreased by 24 million euros (-3%) to 854 million euros, primarily due to the sale of a 20 million euro portfolio from the Swedish branch [1] Deposit Portfolio - The term deposit portfolio grew by 86 million euros (+7%) to 1.4 billion euros, and the savings deposit portfolio increased by 54 million euros, also reaching 1.4 billion euros [2] - Current accounts increased by 11 million euros to 20 million euros, with new offerings for corporate customers in Estonia [2] Financial Performance - Interest income for Q4 was 46.9 million euros, an increase of 3.5 million euros (+8%) year-on-year, while interest expense decreased by 0.8 million euros (-4%) [4] - Net interest income rose by 4.3 million euros (+18%) to 27.5 million euros for Q4, and full-year net interest income increased by 3.8 million euros (+4%) to 106.2 million euros [4] Credit Quality - The net expected credit loss allowances decreased by 1.0 million euros year-on-year to 3.6 million euros in Q4, with a 50% reduction for the full year [5] - The volume of stage 3 loans was 118 million euros, accounting for 4.3% of the total loan portfolio, showing a decrease in risk [5] Team and Operational Growth - The number of staff increased by 26 during Q4 and by 79 during the year (+14%), reaching a total of 639 employees [6] - Salary expenses rose to 10.0 million euros in Q4, exceeding the previous year's figure by 1.7 million euros (+20%) [6] Investment Property - The investment property portfolio increased to 84.7 million euros, reflecting a growth of 2.4 million euros during Q4 and 18.3 million euros during the year [7] Equity and Capital Position - Bigbank's equity reached an all-time high of 299.4 million euros, with a return on equity (ROE) of 13.3%, up by 0.8 percentage points from 2024 [8] - The group successfully completed a public Tier 2 bond issue and direct placements of Additional Tier 1 (AT1) instruments, enhancing stability [14] Everyday Banking Services - Bigbank expanded its everyday banking capabilities, launching current account services for retail and corporate customers and introducing a new mobile app [12][13] - By the end of 2025, Bigbank served over 19,000 current account customers across the Baltics, indicating strong customer growth [13]

In December 2025, the Financial Supervision Authority (FSA) presented Bigbank AS with the outcome of the annual Supervisory Review and Evaluation Process (SREP) capital adequacy calculation. As a result of the evaluation, the FSA decided to leave the Pillar 2 capital requirements for Bigbank AS unchanged. A requirement for own funds (P2R) in the amount of 3.2% from the total risk exposure amount (TREA) applies to Bigbank AS on consolidated basis, of which at least 2.4% must be covered with Core Tier 1 own f ...

This correction refers to the announcement Bigbank AS Financial Calendar for 2026 published on 22 December 2025. The previous version was available only in Estonian. The corrected version is now also provided in English. Bigbank AS has confirmed the bank’s Financial Calendar for the 2026 financial year. In 2026, Bigbank plans to disclose information according to the following schedule: 19.02.2026Q4 2025 and unaudited full year results25.02.2026January results27.02.2026Audited results for 202512.03.2026Febru ...

Group 1 - Bigbank AS has confirmed its financial calendar for the fiscal year 2026, detailing specific dates for the release of financial information [1] - The bank plans to announce its Q4 2025 and unaudited results on February 19, 2026, followed by various monthly and quarterly reports throughout the year [1] - As of November 30, 2025, Bigbank's total balance sheet amounted to €3.2 billion, with equity standing at €298 million [1] Group 2 - Bigbank operates in nine countries and has over 176,000 active customers and more than 600 employees [1] - The bank has received a long-term deposit rating of Ba1 and a baseline credit assessment (BCA) rating of Ba2 from Moody's [1]

Core Insights - November showed growth in strategic loan products and term deposits, a decrease in non-performing loans, and satisfactory profitability [1] Loan Portfolio - The loan portfolio increased by 25 million euros, reaching 2.6 billion euros by the end of November, driven by business loans (+33 million euros) and home loans (+14 million euros), while consumer loans decreased by 22 million euros due to the sale of the Swedish branch's loan portfolio [2] - The share of non-performing loans decreased from 4.5% to 4.2% due to improved payment behavior and the sale of the Swedish branch's loan portfolio [6] Deposit Portfolio - The deposit portfolio grew by 32 million euros, primarily driven by term deposits (+28 million euros) as interest rates began to rise slightly [3] - Current accounts saw a growth of 3 million euros, reaching a total balance of 16 million euros, with clients earning 2% annual interest on idle funds [4] Financial Performance - Net interest income increased by 2.3 million euros year-on-year, totaling 96.7 million euros for the first eleven months [5][11] - Net profit for November was 2.7 million euros, with cumulative profit for the first eleven months amounting to 36.0 million euros, an increase of 2.6 million euros or 8% compared to the same period in 2024 [7][11] - Total net operating income for November was 9.1 million euros, with a year-on-year increase of 2% [10] Expenses and Employment - Salary expenses increased by 6.4 million euros over the first eleven months due to team expansion and salary growth, while income tax expenses rose by 1.7 million euros due to higher tax rates in Estonia and Lithuania [8] - The cost/income ratio increased to 54.0% from 47.2% year-on-year [12] Company Overview - As of November 30, 2025, Bigbank's total assets amounted to 3.2 billion euros, with equity of 298 million euros, serving over 176,000 active customers [13]

Bigbank AS announces that on 03 December 2025, the shareholders adopted a resolution to accept the voluntary resignation of Supervisory Board member Alari Aho, effective 14 January 2026, and to elect Jaanus Otsa and Hannes Vallikivi as new Supervisory Board members starting from 15 January 2026. The decision on the compliance of new supervisory board members with the suitability requirements must also be made by the Financial Supervision Authority. As of 15 January 2026, the Supervisory Board of Bigbank AS ...

Core Insights - Bigbank experienced stable growth in October, with a notable increase in both loan and deposit portfolios, indicating a healthy financial position and customer demand [1][2][10]. Loan Portfolio - The loan portfolio grew by 34 million euros in October, reaching 2.6 billion euros, driven by business loans (up 16 million euros) and home loans (up 18 million euros) [1]. - Year-on-year, loans to customers increased by 511 million euros, or 24%, highlighting strong demand [10]. Deposit Portfolio - The deposit portfolio increased by 44 million euros in October, primarily due to a 24 million euro rise in term deposits and a 16 million euro increase in savings deposits [2]. - Customer deposits and loans received reached 2.8 billion euros, reflecting an 18% year-on-year growth [10]. Current Accounts - Bigbank launched current accounts for retail customers in Latvia, offering competitive conditions with 2% annual interest on idle funds and no transaction fees, resulting in a 3 million euro increase in current account balances [3]. Financial Performance - Net interest income for October was 9.4 million euros, with a cumulative total of 88.1 million euros for the first ten months, marking a 3% increase year-on-year [10]. - Net profit for October was 3.1 million euros, contributing to a cumulative profit of 33.3 million euros for the first ten months, a 10% increase compared to the same period in 2024 [10][11]. Credit Quality - The credit quality of the loan portfolio remains strong, with net allowances for expected credit losses decreasing by 8.8 million euros, or 47%, due to improved payment behavior across the Baltic countries [5][10]. Employment and Expenses - As of the end of October, Bigbank employed 624 people, with salary expenses increasing by 5.7 million euros over the first ten months due to team expansion and salary growth [7]. - Income tax expenses rose by 1.9 million euros due to higher tax rates in Estonia and Lithuania [7]. Key Financial Indicators - Total net operating income for October was 10.4 million euros, with a year-to-date total of 95.9 million euros, reflecting a 2% increase year-on-year [9]. - The cost/income ratio stood at 48.2%, up from 41.4% the previous year, indicating increased expenses relative to income [11].

Core Viewpoint - Bigbank AS has ceased issuing new loans through its Swedish branch and will focus solely on deposit-taking and servicing existing loans, with the entire loan portfolio transferred to another institution [1][2]. Group 1: Business Operations - As of 1 September 2022, Bigbank AS stopped issuing new loans through its Swedish branch [1]. - On 06 November 2025, Bigbank AS transferred its entire loan portfolio from the Swedish branch to another Swedish credit institution, with transaction terms being confidential [2]. - Following the transfer, the Swedish branch will exclusively engage in deposit-taking activities, which does not materially impact the overall operations of Bigbank AS [2].