Coop Pank — Earnings Release 2025

Feb 14, 2025

Coop Pank Group Unaudited financial results for Jan 2025

- •••

• ••
• •

Coop Pank Group	Month		Year-to-Date
	01.25	12.24	01.25	01.24	Difference YoY
('000 €) Net operating income	6 698	6 633	6 698	060 7	-362	-5%
Interest	6 278	6 471	6 278	6 681	-403	-6%
Service fee and commissions	381	518	381	335	+46	+14%
Other	39	-356	38	44	-6	-14%
Operating expenses	3 266	3 708	3 266	3 151	+114	+4%
Payroll expenses	1 921	2 060	1 921	1 790	+131	+7%
Other expenses	1 345	1 648	1 345	1 361	-16	-1%
Operating profit	3 433	925 2	3 433	3 909	-477	-12%
Financial impairement losses assets	135	634	135	567	-431	-76%
Profit before income tax	3 297	2 291	3 297	3 343	-45	-1%
Income tax	559	294	559	374	+185
Net profit	2 738	1 997	2 738	2 969	-231	-8%
Return on equity (ROE)	15,2%	11,2%	15,1%	18,5%	-3 4pp ,
Cost / income ratio (CIR)	49%	56%	49%	45%	+4 1pp ,
interest margin (NIM) Net	3,4%	3,5%	3,4%	4,0%	-0 6pp ,
Cost of financing	2,9%	3,0%	2,9%	3,4%	-0 ,5pp
Coop ('000) No. of in Pank customers	209,5	207,6	209,5	184,9	+24,6	+13%
Active customers	98,8	99,4	98,8	81,1	+17,7	+22%
portfolio (m€) Net loan	1 783	1 774	1 783	513 1	+269	+18%
Deposits and loans received	1 926	1 886	1 926	1 742	+184	+11%
Equity	214	212	214	189	+25	+13%

* Coop Pank customer – a customer holding at least one opened bank account.

Active customer – Coop Pank customer who has made at least 4 transactions in 60 days