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Coop Pank
Coop Pank (CPA1T) investor relations material
Coop Pank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Management team changes included new board members and key appointments such as Arko Kurtmann as Chairman and Lehar Kütt as Head of Corporate Banking.
Customer base grew to 222,000, up 2% in the quarter and 10% year-over-year; active customers reached 105,400, up 10% year-over-year.
Economic environment is recovering, supporting increased demand for financing.
State opened accounts in the bank, improving convenience and security for transfers; instant payments and direct state account transfers launched.
Recognized as a family-friendly employer and extended Remote Worker label.
Financial highlights
Net profit for Q3 2025 was €7.0m, up 5% from Q2 2025 but down 19% year-over-year; cost-to-income ratio at 54%, ROE at 12.5%.
Net operating income for Q3 2025 was €19.5m, flat sequentially but down 8% year-over-year.
Net interest income for Q3 2025 was €18.3m, up 2% sequentially but down 9% year-over-year.
Loan portfolio grew by €80m (+4%) from Q2 2025 and €362m (+22%) year-over-year, surpassing €2bn.
Customer deposits and loans received totaled €1.96bn, up 8% sequentially and 6% year-over-year.
Outlook and guidance
Management expects continued growth in customer base and business volumes, supported by new digital services and product offerings.
Interest environment has stabilized; Euribor remains at 2%.
Who are the new Management Board appointees?
How has the Liquidity Coverage Ratio changed?
Which segment saw the largest profit decline?
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Next Coop Pank earnings date
Q4 202512 Feb, 2026
Coop Pank
Next Coop Pank earnings date
Q4 202512 Feb, 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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