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Coop Pank (CPA1T) investor relations material
Coop Pank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Jul, 2025
Executive summary
Loan portfolio grew 20% year-over-year to €1.94 billion, outpacing the market.
Net profit was €6.6 million, down 17% year-over-year and 16% sequentially, impacted by lower interest income and higher impairment costs.
Active customer base increased 9% year-over-year, reaching 103,600 in Q2 2025.
Operating expenses remained stable year-over-year, with cost/income ratio at 52%.
ROE declined to 12.1% from 16.4% a year ago, reflecting margin pressure.
Financial highlights
Net operating income was €19.5m, down 5% year-over-year.
Net interest income for Q2 2025 was €18.0 million, down 7% year-over-year.
Service fees and commissions rose 17% year-over-year.
Operating expenses were €10.1 million, unchanged year-over-year.
Equity increased 13% year-over-year to €220m.
Outlook and guidance
Economic environment remains cautious; growth continues with a conservative risk profile.
Interest rates are trending downward, with balanced changes in interest income and expenses.
Loan portfolio expected to continue growing faster than the market.
Deliberate reduction in deposit volume expected, leveraging covered bond funding.
Focus on expanding customer base and product offerings, including loyalty and cashback programs.
Why did Coop Pank deliberately reduce deposits?
How did Coop Pank's branch network expand?
What is the status of Coop Pank's chairman?
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Frequently asked questions
Coop Pank AS is a cooperative bank based in Estonia, offering a broad range of financial services, including retail and corporate banking. The bank primarily caters to private individuals and small to medium-sized enterprises (SMEs). Its services include current accounts, savings accounts, various loan products such as car and consumer loans, business loans, leasing, and trade finance. Additionally, Coop Pank provides internet and mobile banking solutions to enhance accessibility for its customers. The bank operates with a focus on daily banking needs and financing solutions. The company is headquartered in Tallinn, Estonia, and its shares are listed on the Nasdaq Tallinn.
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