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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Coop Pank
Coop Pank (CPA1T) investor relations material
Coop Pank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary20 Oct, 2026
Executive summary
Q3 net profit rose 30% YoY to €9.1m; 9M net profit increased 19% to €25.6m from €21.5m.
Customer count reached 240,600, up 9% YoY; active customers totaled 113,900, up 8%, with 1,900 new active customers in Q3.
Financial highlights
Q3 net operating income was €23.8m, up 22% YoY; net interest income rose 24% to €22.7m, while net fee and commission income fell 20% to €0.9m.
Q3 operating expenses rose 19% YoY to €12.5m; impairment losses declined 41% to €0.4m.
Q3 deposits and loans received reached €2.37bn, up 21% YoY; net loan portfolio was €2.30bn, up 14% YoY.
9M operating cash flow was €78.6m versus an outflow of €150.4m in 9M 2025; customer deposit inflows were €242.7m versus €72.7m.
Outlook and guidance
Strategic target remains annual net profit above €60m by 2030; ambition is to grow faster than the Estonian banking market.
Long-term targets are cost/income below 45% and ROE above 15%; Q3 ROE was 14.6% and cost/income ratio was 52.5%.
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Latest events from Coop Pank
- FY2023 profit nearly doubled, while Q4 earnings fell QoQ amid a Latvian property write-down.CPA1T
Q4 2023 - Net profit up 24% year-over-year to €8.2m, with strong loan and customer growth.CPA1TQ2 2026
- Net profit up 15% to €8.3m, driven by loan and deposit growth and improved ROE at 13.9%.CPA1TQ1 2026
- Loan portfolio up 19% YoY to €2.11bn, 2025 net profit €28.7m, Q4 profit up 12%.CPA1TQ4 2025
- Loan portfolio grew 22% year-over-year, but net profit declined 19% on margin pressure.CPA1TQ3 2025
- Net profit dropped 17% as loan growth and customer gains were offset by margin and risk pressures.CPA1TQ2 2025
- Profit up sequentially but down year-over-year amid growth and rising credit risk.CPA1TQ3 2024
- Net profit dropped 23% YoY to €8m despite strong loan and customer growth.CPA1TQ2 2024
- Net profit up 24% QoQ to €7.9m, with strong loan and deposit growth and new funding.CPA1TQ1 2025
Next Coop Pank earnings date
Q4 202611 Feb, 2027
Coop Pank
Next Coop Pank earnings date
Q4 202611 Feb, 2027
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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.