Coop Pank AS

Hello everyone. Today is July 21, 2026. We are planning to talk about the results of the second quarter audit of Coop Bank. My name is Arko Kurtmann. I am the CEO of Coop Bank. Next to me is Paavo Truu, who is our financial manager. We are planning to talk about the results. If someone asks a question during the presentation, you will receive a QR code on the screen. You can scan it and ask us a question. We will go over the presentation points and answer the questions. But let's get to the second quarter and what happened to us and Coop Pank AS. The first thing I would like to say right away is that we came out with a completely new package, which means that it is more intended for a traveling person. Maybe in this package there is travel insurance, and if she is somewhere abroad and she has, for example, a need for solar money, then she has the opportunity to withdraw her solar money. and it is also available in our other shopping malls as well. Today we have three packages, the simple, useful and circular package. So, what did we miss in general? We felt that there was a stabilization of the interest rate in the second quarter. If you remember, in the first quarter, due to the military conflict in Hormuzi-Väina, the interest rate changed dramatically and therefore different interest rates in both Europe and the rest of the world, in the second quarter we saw a stabilisation of interest rates and they have been between 2.5% and 2.7%. What can be said further? It is very difficult to say, but we ourselves do not see much growth. Coming to us, we have to admit that it was a good and strong quarter. It was a strong quarter in the sense that both the demand for our clients and our customers grew. Our portfolio has grown by a total of 82 million euros, which is a very strong growth. And it is good for us to note that the quality of our portfolio is still very good. Our second quarter's growth is no longer the same as the first quarter, but if we compare it to the previous year's period, our growth is 24%. This is definitely a number that feels good, a very strong growth. For the next two points, I will give the word to Paavo, because it is more on his side.

Yes, Coop Panka has been trading for several years in the rating agency Muudis. In the last quarter, Muudis has made two important decisions in our part. Both are positive. In May, Muudis changed our long-term and long-term rating to BAA1. earlier it was PA2, one notch higher. The previous rate was actually a very good investment rate, but now it is one notch higher. And the second news came after that, that our band records, which are with our own rating, have also now reached a year-round higher rating, and here you state three A's on the scale. Three A's is the highest rating at all that can be achieved. The interesting fact is that the rating of Estonian countries is a bit lower. Our bank accounts have been recognized as more solid. The next issue is the issue of counterfeiting. If investors remember, in December, we wrote to the European Investment Bank Group about counterfeiting. and it was seen that we need to carry out certain actions to make it happen. On June 30th, 2026, this event took place and in the aftermath of this event, our risk positions decreased and our capitalization rate improved, so it is a good fundament to continue to grow here without having any problems with capital.

If I'm correct, we can give 250 million euros without capital? Yes, that's right. The risk is a bit lower, but the ratio is a bit different. Two more events we wanted to bring to light from the second quarter.