Public offering of subordinated bonds has ended

Advantages Reasons to invest into Bigbank

Fast growing fully digital bank
100% Estonian bank operating in 9 countries across Europe
Low cost base and effective operations

CONDITIONS Information about subordinated bonds

Bond conditions
Bond name
EUR 8.00 Bigbank subordinated bond 23-2033
Subscription period
31 January 2023 at 10:00 – 10 February 2023 at 15:30
Listing
Nasdaq Tallinn, Baltic Bonds List
ISIN
EE3300003052
Denomination
EUR 1,000.00
Issue volume
EUR 5,000,000 (may be increased to up to EUR 15,000,000)
Issue date and interest commencement date
16 February 2023
Maturity date
16 February 2033
Annual interest rate (fixed)
8% (30/360)
Interest payment frequency
Quarterly, each year on or around 16 February, 16 May, 16 August, and 16 November
Final terms
Terms and conditions of subordinated bonds
Prospectus
Prospectus supplement no. 1
Prospectus summary
This communication is an advertisement for the purposes of the Prospectus Regulation (EU) 2017/1129 and is not meant for distribution in the United States or any other jurisdiction where it would be unlawful. Before making an investment decision, you should read the prospectus approved by the Estonian Financial Supervision Authority (the “EFSA”), it’s summary and the terms and conditions of the bonds in order to fully understand the potential risks and rewards associated with the decision of investing into unsecured subordinated bonds of Bigbank AS (the “Issuer”) and consult with an expert if necessary. The bonds of the Issuer are offered publicly only in Estonia, Latvia and Lithuania. The prospectus is available on the websites of the Issuer investor.bigbank.eu and the EFSA at www.fi.ee respectively. The approval of the prospectus by the EFSA should not be understood as an endorsement of the bonds.

For Estonian tax resident individuals Application for postponing tax payments

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Bank's main figures

Bank's main figures

Being a specialised bank means that Bigbank has the resources to get to know its clients better and address their needs more personally. This allows us to be quicker and more flexible than universal banks without compromising the quality of issued loans.

€1,538m

Total assets

 
2015-2022

€199m

Owner's equity

€1,257m

Loan portfolio

 
2015-2022

~131k

Number of active customers

€1,245m

Deposits

 
2015-2022

464

Employees

Financial reports

Being a specialist bank means that Bigbank has the resources to get to know its clients better and address their needs more personally. This allows Bigbank to be quicker and more flexible than universal banks without compromising the quality of issued loans. Bigbank applies the same principles as universal banks in assessing the solvency of clients and performs a credit analysis every time before issuing a loan.

FAQ Common questions about investment

Why Bigbank is offering subordinated bonds?

Who can participate in Bigbank's subordinated bond issue?

Where can I subscribe Bigbank bonds?

If I subscribe the bonds, do I need to have a valid LEI (Legal Entity Identifier) code?

What is the nominal value of the bond and how much are the interest payments?

What is the volume of the offering?

What happens if there are more subscribers than bonds offered?

Are Bigbank subordinated bonds listed on the stock exchange and can I trade them?

Do I have to wait 10 years for the bond principal to be repaid?

Can I subscribe to Bigbank subordinated bonds from an investment account or pension investment account (relevant only to Estonian investors)?

Do I have to pay income tax on interest payments?

Where and when can I see how many bonds I received?

Where can I find more information?

How can we help?