Bigbank Investor

Advantages Reasons to invest in Bigbank

Fast-growing, fully digital bank
100% Estonian-owned, operating in 9 countries across Europe
Lean cost base and efficient operations

CONDITIONS Subordinated bond offering details

Bond conditions
Bond name	EUR 6.5 BIGBANK SUBORDINATED BOND 25-2035
Subscription period	From 10:00 (Tallinn time) on 10 June 2025 until 15:30 (Tallinn time) on 19 June 2025
Offering jurisdictions	Estonia, Latvia, Lithuania
Listing	Nasdaq Tallinn Stock Exchange
ISIN code	EE0000001501
Nominal amount	EUR 1,000
Issue volume	EUR 3,000,000, which may be increased by Bigbank to up to EUR 8,000,000 prior to the Issue Date
Issue date and interest commencement date	27 June 2025
Maturity date	27 June 2035
Annual interest rate (fixed)	6.5% per annum (30/360)
Interest payment frequency	15 September, 15 December, 15 March and 15 June, with the first interest payment to be made on 15 September 2025
Prospectus	Prospectus
Prospectus summary	Summary
Final terms	Final terms
Terms and conditions	Terms and conditions
Frequently asked questions	FAQ

This communication is an advertisement within the meaning of the Prospectus Regulation (EU) 2017/1129 and is not intended for distribution in the United States or any other jurisdiction where such distribution would be unlawful. Prior to making any investment decision, investors should carefully read the Prospectus approved by the Estonian Financial Supervision Authority (the “EFSA”), including the Prospectus Summary, the Terms and Conditions, and the Final Terms of the bonds, in order to fully understand the potential risks and rewards associated with investing in the unsecured subordinated bonds of Bigbank AS (the “Issuer”). Investors are also advised to consult with an expert, if needed. The bonds are being publicly offered only in Estonia, Latvia, and Lithuania. The Prospectus, together with its supplements, is available on the websites of the Issuer at investor.bigbank.eu and the EFSA at www.fi.ee. The approval of the Prospectus by the EFSA should not be considered an endorsement of the bonds.

Schedule for public offering of Bigbank subordinated bonds

For Estonian tax-resident individuals Application for postponement of tax payments

Name and Surname

Personal identification code

Investment account type

Baltic bonds account no

Investment account no

E-mail

I hereby confirm that the bonds of Bigbank AS have been acquired to the investment account that I will declare to the Tax and Customs Board as an investment account, or to the pension investment account. Using the investment account system, I wish to postpone the payment of income tax on interest received on the aforementioned investment account. Under the pension investment account system, I understand that income tax is not charged on interest received on bonds acquired using funds in the pension investment account. I certify that the information provided in this application is accurate.

I have read Bigbank AS Customer Data processing principles and understand the processing of my personal data in accordance with those principles. Please inform us of any changes to your contact information via [email protected].

Bank’s key figures

Explore the Bigbank Group’s financial performance over recent years through interactive graphs that highlight our growth trajectory and financial strength.

Financial reports

Bigbank publishes consolidated quarterly interim reports and annual reports in accordance with the financial calendar available on the Announcements subpage of this website.