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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]