Core Insights - Bigbank's loan portfolio experienced significant growth, increasing by 59 million euros in July 2025, with total loans reaching 2.5 billion euros [1][9] - The deposit portfolio also grew, rising by 71 million euros, primarily driven by savings deposits [2][9] - The bank's net profit for July was reported at 3.6 million euros, reflecting a strong performance [5][9] Loan Portfolio - The business loan portfolio expanded by 30 million euros, the home loan portfolio by 20 million euros, and the consumer loan portfolio by 9 million euros [1] - Year-on-year, loans to customers grew by 518 million euros, marking a 26% increase [9] Deposit Portfolio - The savings deposit product increased by 73 million euros, while term deposits declined by 3 million euros [2] - The total balance of Estonian retail customers' bank accounts reached 4.3 million euros by the end of July [2] Interest Income - Net interest income for the first seven months of 2025 increased by 1.7 million euros, or 3%, compared to the same period last year [3][9] - The 6-month Euribor remained stable at 2.05%, contributing to a stable interest environment for loans [3] Credit Quality - The credit quality of the loan portfolio improved, with net allowances for expected credit losses decreasing by 9.1 million euros, or 60% [4][9] - The share of non-performing exposures remained stable at 4.7% as of the end of June [4] Financial Performance - Total net operating income for July was 9,182 thousand euros, a 2% increase year-on-year [8] - Cumulative profit for the first seven months amounted to 22.3 million euros, an increase of 3.1 million euros, or 16%, compared to the same period in 2024 [9] Operational Metrics - The bank's team grew to 614 employees, leading to a rise in personnel expenses by 3.7 million euros [6] - The return on equity (ROE) for July was reported at 15.1%, an increase from previous periods [10]

Core Insights - Bigbank experienced stable growth in both loan and deposit portfolios in May 2025, with profitability remaining solid [1][2][3] Loan Portfolio - The loan portfolio increased by 43 million euros in May, driven primarily by business loans (22 million euros) and home loans (15 million euros), with consumer loans contributing an additional 6 million euros [1] - Year-on-year, loans to customers grew by 564 million euros, reaching a total of 2.41 billion euros, reflecting a 31% increase [9][10] Deposit Portfolio - The deposit portfolio grew by 26 million euros in May, with savings deposits increasing by 18 million euros and term deposits by 8 million euros [2] - Customer deposits and loans received increased by 357 million euros over the year, totaling 2.57 billion euros, a 16% rise [9] Net Interest Income - Despite a declining interest rate environment, Bigbank's net interest income increased by 1 million euros (2%) year-on-year, totaling 42.8 million euros for the first five months of 2025 [3][9] - Net interest income for May was reported at 8.8 million euros [9] Credit Losses and Expenses - Net allowances for expected credit losses decreased by 4.4 million euros (40%) year-on-year, totaling 6.7 million euros for the first five months [4][9] - Administrative expenses decreased by 0.4 million euros, while personnel expenses rose by 2.2 million euros due to team expansion and salary increases [5][6] Profitability - Net profit for May was 3.4 million euros, contributing to a cumulative profit of 16.3 million euros for the first five months, a 22% increase compared to the same period in 2024 [5][9] - Return on equity (ROE) for May was reported at 14.7%, up from 13.0% in May 2024 [10] Financial Indicators - Total net operating income for May was 9.48 million euros, reflecting a 4% increase year-on-year [8] - The cost/income ratio increased to 46.2%, compared to 41.2% in the previous year [10] Company Overview - As of May 31, 2025, Bigbank's total assets amounted to 3.0 billion euros, with equity of 278 million euros, serving over 172,000 active customers [11]