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Coop Pank
Coop Pank (CPA1T) investor relations material
Coop Pank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Loan portfolio grew by 19% year-over-year, surpassing €2.11 billion and outpacing the market.
Net profit for 2025 was €28.7 million, down 11% from the previous year, with Q4 net profit up 12% year-over-year to €7.2 million.
Active customer base increased by 9% year-over-year, reaching 227,000 by year-end.
Cost/income ratio rose to 52% for the year and 54% in Q4 2025.
Moody’s affirmed Baa2 deposit rating with a positive outlook.
Financial highlights
Net operating income for the year was €79.4 million, down 3% year-over-year.
Q4 2025 net interest income was €19.0 million (+4% QoQ, -1% YoY); net fee and commission income was €1.1 million (-14% YoY).
Operating expenses increased by 2% to €41.5 million for the year; Q4 operating expenses were €11.4 million (+9% QoQ, +6% YoY).
Impairment costs dropped by 29% to €3.3 million for the year; Q4 impairment losses were €1.0 million (down 43% YoY).
Net interest margin declined to 3.0% for the year and 2.9% in Q4 2025.
Outlook and guidance
Targets for 2030 include ROE above 15%, net profit over €60 million, and loan portfolio market share above 10%.
Capital relief from the European Investment Bank enables up to €249 million in new business loans, focusing on gender equality and sustainability.
New €5 million subordinated loan from the European Energy Efficiency Fund, repayable by March 2034.
Explain NIM decline despite lower financing costs
Detail EIB loan impact on lending strategy
Address the trend of declining liquidity ratios
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Next Coop Pank earnings date
Q1 202622 Apr, 2026
Coop Pank
Next Coop Pank earnings date
Q1 202622 Apr, 2026
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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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