Coop Pank As · OMXTSE:CPA1T
Coop Pank As — Q3 2025 Earnings Presentation
18 slides from Coop Pank As's earnings presentation, Oct 22, 2025
Slide 1: Coop Pank Group 2025 Q3 unaudited results
08 Coop Pank Group 2025 QS unaudited results 22.10.2025
Slide 2: • • • • • • •
• • • • • • •
Slide 3: Loan portfolio, deposits, customers and net profit
m€ +362 +22% m€ +83 +5% +80 +4,1% +105 +5,8% 2 023 1 830 1 878 1 907 1 913 1 943 1 809 1 774 1 818 1 661 Q3 2024 Q4 Q1 Q2 Q3 2025 Q3 2024 Q4 Q1 Q2 Q3 2025 '000 +10 +10% m€ -1 678 -19% +1,9 +1,8% +322 +4,8% 202 208 213 218 222 8 649 7 913 6 971 95,6 99,4 101,8 103,6 105,4 6 393 6 649 Q3 2024 Q4 Q1 Q2
Slide 4: Q3 2025 vs Q2 2025 results
• • Q3 2025 Q2 2025 Quarterly change Net operating income ('000 €) 19 542 19 544 -2 -0% • Interest 18 299 18 003 +296 +2% incl interest income 31 359 31 260 +99 +0% incl interest expense -13 060 -13 257 +197 -1% • Service fees and commissions 1 100 1 166 -66 -6% Other 143 375 -232 -62% Operating exp
Slide 5: Q3 2025 vs Q3 2024 results
• • Q3 2025 Q3 2024 Quarterly change Net operating income ('000 €) 19 542 21 228 -1 686 -8% Interest 18 299 20 021 -1 722 -9% incl interest income 31 359 35 342 -3 983 -11% • incl interest expense -13 060 -15 321 +2 262 -15% Service fees and commissions 1 100 1 040 +60 +6% Other 143 167 -24 -14% Ope
Slide 6: Net loan portfolio by business line
• • m€, % • +362 +22% +80 +4,1% • 2 023 • 1 943 1 818 179 • 1 774 181 1 661 114 177 178 111 174 109 109 • 105 809 777 717 740 685 % 7,5% 7,0% 6,5% 6,0% 874 922 5,7% 697 770 792 Q3 2024 Q4 Q1 Q2 Q3 2025 Business loans Private mortgage loans Consumer loans Leasing Q3 2024 Q4 Q1 Q2 Q3 2025
Slide 7: Gross loan portfolio and interest rates by segment
m€, % 885 933 m€, % 810 741 778 780 802 687 719 707 7,9% 7,3% 6,8% 6,3% 5,9% 6,2% 5,8% 5,2% 4,8% 4,4% Q3 2024 Q4 Q1 Q2 Q3 2025 Q3 2024 Q4 Q1 Q2 Q3 2025 Gross loan portfolio Gross interest % Gross loan portfolio Gross interest % m€, % m€, % 110 114 114 116 119 183 175 179 179 181 14,1% 13,8% 13,7% 13
Slide 8: Past due loans and loss allowances
• m€, % 2,4% 2,8% 2,3% • 2,1% 2,1% 55,1 4,9 47,6 40,3 39,4 37,6 12,9 4,7 5,0 6,3 50,2 35,5 34,4 34,7 31,2 % 0,4% - 17,5 - 18,6 - 18,3 - 19,1 - 19,3 0,3% 0,2% III kv 2024 IV kv I kv II kv III kv 2025 0,1% 0,0% Past due 1-90 days Past due over 90 days Q3 2024 Q4 Q1 Q2 Q3 2025 Loss allowances Past due
Slide 9: Past due loans and loss allowances by segment
m€, % m€, % 1,6% 2,4% 2,2% 2,3% 2,6% 2,5% 1,1% 1,0% 0,8% 0,8% 11,0 20,5 19,9 8,2 8,0 7,1 7,3 16,3 15,9 17,3 9,7 5,5 6,6 5,6 5,0 19,6 19,0 15,2 14,4 16,3 - 10,3 - 11,2 - 10,3 - 10,7 - 10,9 - 1,5 - 1,5 - 1,7 - 1,7 - 1,7 Q3 2024 Q4 Q1 Q2 Q3 2025 Q3 2024 Q4 Q1 Q2 Q3 2025 m€, % m€, % 7,8% 7,7% 7,8% 7,6%
Slide 10: Deposits and cost of financing
• m€, % • 3,3% 3,1% 2,8% Total cost of financing 2,5% 2,3% +374 +20% • +143 +6,9% 2 165 2 213 • 2 070 1 839 1 887 250 254 255 45 • 584 572 616 649 605 • 1 247 1 306 1 292 1 204 1 264 Q3 2024 Q4 Q1 Q2 Q3 2025 Term deposits Demand deposits Other fin.instruments Covered bonds
Slide 11: Active clients and market share
• '000 +21 +10% +5 +2,2% • 222 218 213 208 202 • Q3 2024 Q4 Q1 Q2 Q3 2025 • • '000 +10 +10% market share % 6,5% 6,6% 6,9% 6,9% +1,9 +1,8% 6,3% 105,4 6,1% 6,1% 6,2% 6,1% 103,6 5,7% 101,8 99,4 95,6 Market share of deposits Market share of loans Q3 2024 Q4 Q1 Q2 Q3 2025 Q3 2024 Q4 Q1 Q2 Q3 2025 Clients
Slide 12: Capital adequacy
m€ % +38 +17% 19,0% 19,4% 20,0% 18,8% 19,3% +12 +4,9% 257 16,3% 16,3% 16,8% 16,8% 16,8% 239 245 245 35 Total (%) Regulatory minimum + P2G (%) 219 35 35 35 28 % 35 28 28 28 28 16,0% 16,6% 17,1% 16,1% 16,7% 13,6% 13,6% 14,1% 14,1% 14,1% T1 (%) Regulatory minimum + P2G (%) 182 182 194 176 155 % 13,5% 1
Slide 13: Liquidity: liquid assets, LCR and NSFR
mln €; % % 24,9% 20,7% 614 260% 18,2% 17,4% 16,7% 462 205% 207% 442 397 189% 185% 381 562 130% 127% 133% 119% 120% 402 414 339 354 100% 100% 100% 100% 100% Q3 2024 Q4 Q1 Q2 Q3 2025 Bonds Cash, balances with other fin. institutions Q3 2024 Q4 Q1 Q2 Q3 2025 Cash, balances with central banks Liquid ass
Slide 14: Cost / income ratio and ROE
• Cost / Income ratio % • 54% 54% • 52% 48% 49% • • ROE % • • 17,3% % 14,7% 12,3% 12,1% 12,5% 2,5% 2,5% 2,1% 2,1% 2,1% Q3 2024 Q4 Q1 Q2 Q3 2025 Q3 2024 Q4 Q1 Q2 Q3 2025
Slide 15: Shareholder distribution of Coop Pank
'000 Shareholder distribution of Coop Pank as at 30.06.2025 -2,4 -6,7% Coop Investeeringud -0,7 -2,1% 22% 36,4 35,9 35,2 34,7 Others 34,0 44% Cooperatives 19% Tallinna linnakantselei 3% CM Capital Andres Sonn Q3 2024 Q4 Q1 Q2 Q3 2025 5% 8%
Slide 16: Share price, P/B, EPS and P/E
Share price €, P/B € trading volume thousand shares 4,20 0,97 0,95 0,99 0,97 2,99 0,88 2,46 2,36 1,96 1,94 1,07 1,17 Q3 2024 Q4 Q1 Q2 Q3 2025 12.19 06.20 12.20 06.21 12.21 06.22 12.22 06.23 12.23 06.24 12.24 06.25 EPS € (quarterly) P/E € (TTM) 0,084 7,0 7,1 7,2 0,077 5,8 6,3 0,062 0,064 0,067 Q3 202
Slide 17: Loan portfolio
Loan portfolio +80 m€
Slide 18: Arko Kurtmann, Paavo Truu
Arko Kurtmann Chairman of Board, CEO arko.kurtmann@cooppank.ee Paavo Truu Member of Board, CFO paavo.truu@cooppank.ee https://www.cooppank.ee/en/for-investors