Core Insights - Bigbank's total gross loan portfolio reached a record high of 2.58 billion euros, reflecting a quarter-on-quarter increase of 142 million euros (+6%) and a year-on-year increase of 521 million euros (+25%) [1] - The bank's net profit for the first nine months of 2025 was 30.2 million euros, compared to 27.6 million euros for the same period in 2024, while the third-quarter net profit was 11.5 million euros, a slight decrease of 0.3 million euros (-2%) from the previous year [3] - The total deposit portfolio grew by 80 million euros (+3%) quarter on quarter and by 462 million euros (+20%) year on year, reaching 2.7 billion euros [2] Loan Portfolio - The business loan portfolio increased by 74 million euros (+9%) to 937 million euros, while the home loan portfolio grew by 55 million euros (+8%) to 772 million euros, and the consumer loan portfolio increased by 18 million euros (+2%) to 878 million euros [1] - The quality of the loan portfolio remained stable, with expenses on expected credit losses decreasing by 0.8 million euros year on year to 2.5 million euros, and the share of non-performing loans fell to 4.4% [5] Interest and Income - Interest income for the third quarter was 46.5 million euros, an increase of 0.5 million euros (+1%) year on year, while net interest income grew by 0.6 million euros (+2%) to 27.4 million euros [4] - Total net operating income for the third quarter was 28.5 million euros, with net fee and commission income rising to 2.7 million euros [10] Deposits and Accounts - The savings deposit portfolio grew by 85 million euros to 1.4 billion euros (+7%), while the term deposit portfolio decreased by 11 million euros to 1.3 billion euros [2] - Bigbank launched current accounts for retail customers in Lithuania, resulting in a growth of current account balances by 6 million euros to 9 million euros [2] Employee and Operational Insights - Bigbank's employee count remained stable at 613, with salary expenses for the third quarter totaling 8.7 million euros, an increase of 1.9 million euros (+29%) year on year [6] - The bank's investment property portfolio increased to 82.3 million euros, driven by additional investments and revaluation of agricultural land [7] Strategic Developments - The bank confirmed its strategy's effectiveness with significant growth in its loan portfolio and deposit base, while expanding daily banking services to Lithuania [11] - An intragroup merger occurred, resulting in the deletion of an inactive subsidiary from the commercial register, which did not affect the Group's operations [9]

Core Insights - Bigbank's total gross loan portfolio reached a record high of 2.44 billion euros, increasing by 141 million euros (+6%) quarter on quarter and 537 million euros (+28%) year on year, primarily driven by business and home loans [1] - The bank's net profit for the first half of 2025 was 18.7 million euros, with a second-quarter profit of 8.9 million euros, reflecting a slight decrease of 0.5 million euros (-5%) compared to the same quarter in 2024 [3][17] - The deposit portfolio grew by 96 million euros (+4%) quarter on quarter and 393 million euros (+17%) year on year, reaching 2.65 billion euros, with significant growth in savings deposits [2][18] Loan Portfolio - The business loan portfolio increased by 54 million euros (+7%) to 862 million euros, while the home loan portfolio rose by 53 million euros (+8%) to 717 million euros [1] - The consumer loan portfolio saw a modest increase of 19 million euros (+2%) to 860 million euros [1] - Business loans became the largest credit product line in terms of portfolio size for the first time in Bigbank's history [1] Deposit Portfolio - The savings deposit portfolio grew by 154 million euros to 1.3 billion euros (+13%), while the term deposit portfolio decreased by 59 million euros to 1.34 billion euros [2] - The current accounts for retail customers in Estonia totalled 3.4 million euros, with all holders earning interest at a competitive rate of 2% [2][19] Financial Performance - Interest income for the second quarter amounted to 45.2 million euros, an increase of 1.8 million euros (+4%) year on year [4] - Net interest income grew by 1.2 million euros (+5%) year on year to 25.7 million euros [4] - The net allowance for expected credit losses decreased to 1.4 million euros, down 4.4 million euros year on year, indicating improved loan portfolio quality [5][17] Operational Developments - Bigbank's employee count reached 613, with salary expenses for the second quarter totaling 8.2 million euros, up 1.8 million euros year on year (+28%) [6] - The bank launched a mobile app for retail customers in Estonia, with plans to expand to Lithuania and Latvia [7][19] - Bigbank issued Additional Tier 1 (AT1) bonds totaling 2.44 million euros and increased the volume of a Tier 2 bond offering from 3 million euros to 6 million euros due to strong investor interest [9][10][20] Asset and Investment Portfolio - The value of the investment property portfolio was 72.3 million euros, with a notable decrease in the value of agricultural land in Estonia by 1.7 million euros (around 5%) [8] - Total assets surpassed 3 billion euros for the first time, reaching 3.1 billion euros as of 30 June 2025 [21]