On 19 December 2025, Coop Pank AS (hereinafter the Bank) and European Energy Efficiency Fund S.A. SICAV-SIF (hereafter EEEF) concluded an unsecured subordinated loan agreement in the amount of 5 million euros, with an interest rate of 6 months’ EURIBOR plus 3.25% per annum. The loan is repayable in one installment, and the term of the loan agreement is 31.03.2034. The Bank has the right to repay the loan early with the permission of the Financial Supervision Authority after 5 years have passed since it was ...

Finantsinspektsioon has carried out annual Supervisory Review and Evaluation Process (SREP) and confirmed in its letter to Coop Pank AS dated 18th of December 2025 that the capital requirements and guidance will remain at the current levels, as approved by the decision of the Management Board of the Finantsinspektsioon on 2nd of December 2024. According to the decision of Finantsinspektsioon, the Pillar 2 requirement of 2.75% and the Pillar 2 guidance of 1.50% of the total risk position remain to be valid t ...

Core Insights - Coop Pank AS has entered into its first synthetic securitisation transaction with the EIB Group to support new lending to small and medium-sized enterprises (SMEs) in Estonia, focusing on gender equality and environmental sustainability [1][4] Financial Structure - The transaction involves a portfolio guarantee of EUR 200 million for loans and leases, with the EIF providing a financial guarantee of EUR 197 million covering the senior tranche of EUR 171 million and a mezzanine tranche of EUR 26 million [2] - The junior tranche, amounting to approximately EUR 3 million, is fully retained by Coop Pank [2] Capital Relief and Lending Capacity - This synthetic securitisation will enable Coop Pank to issue EUR 249 million in new loans and leases to SMEs and Mid-Caps until the end of 2028 [3][6] Social and Environmental Commitment - At least EUR 49 million of the new financing will be allocated to projects promoting gender equality, and at least EUR 17 million will support climate action and environmental sustainability [4] Strategic Importance - The transaction is seen as a significant milestone for Coop Pank, enhancing its ability to provide affordable financing to Estonian companies and supporting sustainable growth [5][6] - The cooperation with the EIB and EIF is expected to strengthen the local banking sector and inject new funding into the Estonian economy [7]

Core Insights - Coop Pank demonstrated solid growth in both loan and deposit portfolios in November 2025, with business customer deposits increasing by 22 million euros and private customer deposits by 11 million euros [1][6] - The stabilization of the interest rate environment has halted the decline in interest income, positively impacting the bank's profit margin [2] - Moody's affirmed Coop Pank's rating at Baa2 with a positive outlook, indicating strong profitability and a high-quality credit portfolio [3] Financial Performance - Coop Pank earned a net profit of 2.7 million euros in November, totaling 26.5 million euros for the first eleven months of the year, which is a 12% decrease compared to the same period last year [4][6] - The bank's return on equity in November was 14.3%, with a cost-to-income ratio of 54% [4][6] - The total volume of customer deposits reached 1.97 billion euros, with an annual growth of 138 million euros, or 8% [6] Customer Growth - The number of customers increased by 1,800 in November, reaching a total of 225,800, with active customers growing by 1,000 to 107,800 [6] - The customer base has grown by 10% over the year [6] Loan Portfolio - The bank's loan portfolio increased by 28 million euros to 2.06 billion euros, with business loans up by 18 million euros and home loans by 9 million euros [6] - The loan portfolio has grown by 365 million euros, or 21%, over the year [6]

Coop Pank AS (the Bank) is making preparations for the buy-back of own shares. The purpose of buy-back of own shares is the acquisition of the shares necessary for exercising the option programme. According to the current plan, the shares will be acquired in the volume of up to 3% of all the shares of the Bank. There are two pre-conditions for the buy-back of own shares – relevant resolution of the General Meeting of shareholders of the Bank and respective permission by the Estonian Financial Supervision A ...

Core Points - Coop Pank AS has extended the term of office for Heikko Mäe as a member of the Management Board for an additional 3 years, until February 11, 2029 [1] - Heikko Mäe has been with Coop Pank since February 2020, serving as the Head of Risk and holding positions on the supervisory boards of its subsidiaries [2] - Heikko Mäe holds 164,070 shares in Coop Pank AS and has options for additional shares maturing between 2026 and 2028 [3] Company Overview - Coop Pank is one of the five universal banks in Estonia, with a client base of 224,000 for daily banking services [4] - The bank aims to leverage the synergy between retail and banking to enhance accessibility to everyday banking services [4] - Coop Pank's strategic shareholder is Coop Eesti, a domestic retail chain with 320 stores [4]

Core Insights - Coop Pank's financial performance in October 2025 reflects a stable interest rate environment and gradual economic recovery in Estonia, with a net profit of 2.2 million euros for the month and a year-to-date profit of 23.8 million euros, which is 16% lower than the previous year [6][7]. Financial Performance - The bank's loan portfolio increased by 15 million euros, reaching 2.03 billion euros, with home loans rising by 15 million euros and consumer financing increasing by 1 million euros [7]. - Customer deposits grew by 42 million euros, totaling 1.95 billion euros, with corporate deposits increasing by 31 million euros and private deposits by 1 million euros [7]. - The bank's return on equity was 11.6% in October, and the cost-to-income ratio stood at 55% [6][7]. Customer Growth - The number of clients increased by 1,700 in October, bringing the total to 224,000, while active clients rose by 1,400 to 106,800, marking a 10% growth in the customer base over the year [7][8]. Economic Context - Estonia's economy grew by 0.9% in the third quarter of 2025 compared to the same period in 2024, indicating a positive trend in economic recovery [2]. - The European Central Bank maintained its base interest rates at 2%, contributing to a stable interest rate environment [1]. Innovations and Initiatives - Coop Pank introduced several payment changes in October, including instant payments processed within 10 seconds and enhanced security features [4]. - The bank launched a cashback loyalty program in June, refunding 1% of purchases made in Coop stores, which has attracted new customers [5].

Group 1 - Coop Pank is hosting an investor webinar on 22 October 2025 at 9 am (EET) to present its unaudited financial results for the Third Quarter of 2025 [1] - The webinar will be led by the Chairman of the Management Board, Arko Kurtmann, and the Chief Financial Officer, Paavo Truu, with a Q&A session following the presentation [1] - The webinar will be conducted in Estonian and will be recorded for later publication on the company's website and YouTube account [2] Group 2 - Coop Pank is one of the five universal banks operating in Estonia, with a client base of 221,000 for daily banking services [3] - The bank aims to leverage the synergy between retail business and banking to enhance accessibility to everyday banking services [3] - The strategic shareholder of Coop Pank is Coop Eesti, a domestic retail chain with 320 stores [3]

Group 1 - Coop Pank is hosting an investor webinar on July 18, 2025, at 9 am (EET) to present its unaudited financial results for the second quarter of 2025 [1] - The webinar will be led by the Interim Chairman of the Management Board, Heikko Mäe, and the Chief Financial Officer, Paavo Truu, with a Q&A session following the presentation [1] - Participants must register in advance to join the webinar, and it will be recorded for later publication on the company's website and YouTube account [2] Group 2 - Coop Pank is one of the five universal banks operating in Estonia, with a client base of 216,000 for daily banking services [3] - The bank aims to leverage the synergy between retail business and banking to enhance accessibility to everyday banking services [3] - Coop Pank's strategic shareholder is Coop Eesti, a domestic retail chain with 320 stores [3]

Core Insights - Coop Pank is experiencing solid growth in its loan portfolio due to lower loan burdens and improved investment opportunities, despite ongoing economic uncertainty [1] - The bank has successfully reduced its deposit volume while securing long-term funding through covered bond issuance, allowing for a decrease in more expensive deposits [2] - Coop Pank has expanded its Teacher's Home Loan product to include vocational school teachers and has received recognition as the most recommended bank in Estonia [3] - A new cashback loyalty program has been launched in collaboration with Coop retail, offering customers 1% back on purchases made with Coop Pank debit cards [4] - The bank reported a net profit of 2.4 million euros in May, with a return on equity of 13.1% and a cost-to-income ratio of 50% [5] Financial Performance - The number of clients increased by 1,500 in May, reaching a total of 216,000, while active clients decreased by 800 to 102,400 [6] - Customer deposits decreased by 47 million euros in May, totaling 1.76 billion euros, while the loan portfolio increased by 29 million euros to 1.90 billion euros [6] - Year-over-year, the customer base has grown by 11%, and the loan portfolio has increased by 19% [6] - The bank's net income for the first five months of the year decreased by 17% compared to the same period last year, totaling 12.1 million euros [6]