Coop Pank (CPA1T) investor relations material

Executive summary

• Net profit reached €8.3m in Q1 2026, up 15% sequentially and 5% year-over-year, with cost/income ratio at 53% and ROE at 13.9%.

• Loan portfolio grew by €37m (+2%) from Q4 2025 and €333m (+18%) year-over-year, totaling €2.15 billion.

• Customer base grew to 231,000 (+1.9% QoQ, +9% YoY), with 110,000 active customers (+1.6% QoQ, +8% YoY).

• Deposits increased by €73m (+4%) QoQ and €213m (+11%) YoY, reaching €2.12 billion; financing cost dropped to 2.1%.

• Strategic objectives through 2030 include market share growth, profitability, stable dividends, and entry into investment services.

Financial highlights

• Net operating income was €20.8m, down 1% sequentially but up 8% year-over-year.

• Net interest income for Q1 2026 was €19.5m (+3% QoQ, +9% YoY).

• Operating expenses were €11.0m (-4% QoQ, +15% YoY).

• Impairment losses on financial assets were €0.4m, down 64% QoQ, up 66% YoY.

• Net fee and commission income was €1.1m (-3% QoQ, -6% YoY).

Outlook and guidance

• Dividend of 6.5 cents per share to be paid on 27.04.2026.

• Long-term strategy prioritizes lending market share, profitability, stable dividends, and expansion into investment services.

• Continued focus on customer experience, digitalization, and regional development.

• Capital base and liquidity ratios support continued growth plans.