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Artea Bank July 29, 2026 Q2’26 Financial Results
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▪ Strong growth – Loan book growth accelerated, driven by robust new lending in the corporate and mortgage segments ▪ Margin inflection – Net interest margin has troughed, with recent trends indicating the start of a gradual recovery ▪ High asset quality – Asset quality remained high, supported by a resilient risk profile and a healthy macroeconomic situation ▪ Goodwill impairment – Strong underlying results impacted by non-cash, non- recurring impairment charge in relation to the Pillar II pension reform and AuM attrition ▪ Leadership transition – Tomas Varenbergas, a member of Artea Bank's senior management team for 10 years, was appointed acting CEO. Paulius Daukša was appointed acting CFO following this transition Loan Book €4.0bn Net Profit €7.8m RoE 5.2% CET1 Ratio 17.3% Adj. Net Profit €18.9m Adj. RoE 12.7% Cost of Risk (0.01%) BVPS €0.92 Q2’26 2 Key Financial and Strategic Highlights
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Pillar 2 AuM Withdrawals (H1’26)1 Pillar 2 Pension Reform Update 3 • Customer withdrawals remained significant beyond Q1 and were more front-loaded than expected • Intangible assets valuation assumptions (goodwill and fund rights) were updated based on latest Pillar 2 outflow data • Gross impairment charge of approximately EUR 10.0 million was recognised in Q2 • Net impact after tax – a related tax benefit of approximately EUR 1.7 million reduced the net impact to approximately EUR 8.2 million Notes: (1) Company collected data 47% 51% 53% 53% 55% 61% Artea Competitor 1 Competitor 2 Competitor 3 Competitor 4 Competitor 5 Artea Pillar 2 AuM Withdrawal Requests (H1’26) €472 m €119 m Q1’26 Q2’26
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Q2’26 Financial Results
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▪ Net interest income (NII) increased solidly, supported by continued loan book expansion and improving net interest margin ▪ Net fees & commission income (NFCI) increased by 16% compared to the previous quarter driven mainly by Capital Markets and Daily Banking segments ▪ Cost discipline and continued optimisation of the cost base fully offset inflationary pressures, keeping costs flat YoY ▪ A strong macroeconomic backdrop and disciplined underwriting continued to support excellent asset quality ▪ Pillar II reform impairment – early assumptions for withdrawals were revised based on the actual outflow data, which showed more persistent and front-loaded withdrawals than initially estimated, resulting in an impairment charge of EUR 8.2 million in Q2 2026 ▪ Achieved an adjusted net profit figure of EUR 18.9m in Q2’26 and RoE of 12.7% ▪ Loan book +6% QoQ with main growth area being corporate and mortgage segments Financial Performance Highlights Notes: (1) During the last year, the Group revised the presentation of its statement of profit or loss, reclassifying certain insurance-related income and expenses, see Appendix for the full explanation (2) ROE calculated taking annualized YTD result divided by trailing 4 quarters equity (3) Adjustments exclude one-off impairment charge and costs related to the core banking system upgrade, rebranding and the new office building as these are considered non -recurring (4) Includes Asset Management and Modernization Funds AuM Income Statement In €’m Q2’26 Q1’26 %∆ QoQ H1’26 H1’251 %∆ YoY Net Interest Income 36.7 35.8 3% 72.5 68.4 6% Net Fee & Commission Income 8.6 7.4 16% 16.0 15.1 6% Other 2.9 2.5 19% 5.4 12.3 (56%) Total Revenue 48.3 45.7 6% 94.0 95.8 (2%) Salaries and Related Expenses (14.6) (14.1) 3% (28.7) (27.6) 4% Other Operating Expenses (13.1) (11.5) 15% (24.6) (25.2) -2% Total Operating Expenses (27.7) (25.6) 8% (53.3) (52.9) 1% Operating Profit 20.6 20.1 2% 40.6 42.9 (5%) Impairment Losses (9.8) (0.7) 1351% (10.5) (3.8) 178% Income Tax Expense (3.0) (4.0) (26%) (6.9) (7.2) (4%) Net Profit 7.8 15.4 (50%) 23.2 31.9 (27%) Return on Equity2 5.2% 10.5% (5.2pp) 7.8% 11.1% (3.3pp) Adjusted Net Profit3 18.9 17.4 9% 36.2 36.9 (2%) Adjusted Return on Equity3 12.7% 11.8% 0.9pp 12.2% 12.8% (0.6pp) Select Balance Sheet Metrics In €’m Jun’26 Mar’26 %∆ QoQ Jun’26 Jun’25 %∆ YoY Total Loans 3 964 3 756 6% 3 964 3,669 8% Total Assets 6 216 6 092 2% 6 216 5,277 18% Total Deposits 4 061 3 991 2% 4 061 3,530 15% Total Equity 596 587 2% 596 575 4% Assets under Management4 1 800 2 129 (15%) 1 800 2,006 (10%) Assets under Custody 2 203 1 999 10% 2 203 1,982 11% BVPS 0.92 0.90 2% 0.92 0.87 5% 5
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Loan Portfolio Key Highlights ▪ Loan book grew 6% quarter over quarter, driven primarily by strong growth in the corporate and mortgage portfolios ▪ Corporate lending activity rebounded strongly following a seasonally softer first quarter, with particularly robust demand from the manufacturing, transportation, and utilities sectors ▪ The mortgage market continued to benefit from improving household confidence and resilient demand for home purchases and investment ▪ The consumer lending portfolio was impacted by elevated early repayments following the release of Pillar II pension funds Loan YieldsLoan Book (Q2’26) 6.0% 5.9% 5.7% 5.8% 5.6% 5.6% 5.5% 5.4% 5.3% 5.4% 4.2% 4.1% 4.0% 3.9% 4.1% 9.7% 9.8% 9.8% 9.4% 8.8% Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Total Corporate Mortgage Consumer Loan Book Development QoQ (3) (12) 179 43 1 3 756 3 964 +6% Corporate 53% Mortgage 28% Consumer 10% Renovation 7% Other 2% €4.0bn 6
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(53.6) (56.0) 57.5 57.2 17.2 17.6 21.3 21.6 11.5 11.6 14.5 20.6 68.4 72.5 1H`25 1H`26 Treasury Other Loans Mortgage Consumer Corporate Cost of Funding Key Highlights Net Interest Income Net Interest Margin (NIM) Dynamics Net Interest Income YoY (€’m) ▪ Asset yields remained stable quarter over quarter, while net interest margin (NIM) expanded by 5 bps, supported by lower funding costs ▪ Cost of funding declined by 5 bps, driven primarily by a higher share of demand deposits in the funding mix 5.4% 5.2% 4.8% 4.6% 4.6% 2.9% 2.9% 2.5% 2.4% 2.4% 2.4% 2.2% 2.3% 2.2% 2.1% Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Asset Yield NIM Cost of Funding Net Interest Income Development QoQ 7 (0.2) (0.3) 0.7 0.7 35.8 36.8
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Net Fee & Commission Income Key Highlights ▪ Net fees & commission income (NFCI) increased by 14% compared to the previous year driven mainly by Capital Markets and Daily Banking segments ▪ Daily Banking benefited from higher transaction volumes following the release of Pillar II funds, driving increased fee income from cash and everyday banking transactions ▪ Capital Markets experienced strong recovery after weaker first quarter Net Fee & Commission Income YoY (€’m) Net Fee & Commission Income (€’m) 2.3 2.9 2.2 2.0 0.9 1.60.4 0.4 1.8 1.87.6 8.6 Q2`25 Q2`26 Asset Management Other Services Capital Markets Renovation Daily Banking 14% 8 % of Total Revenue 7.6 7.6 8.3 7.4 8.6 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 15% 16% 18% 16% 18%
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(0.1) (0.5) 23.7 24.1 4.1 0.6 0.0 0.3 3.6 Operating Expenses Notes: (1) Adjusted Cost to income ratio exclude costs related to the core banking system upgrade, rebranding and the new office building as these are co nsidered non-recurring Key Highlights Operating Expenses Development YoY (€’m) ▪ Operating expenses remained broadly stable YoY ▪ The main increases were recorded in personnel costs, reflecting general wage inflation, and premises-related expenses associated with the new headquarters Operating Expenses Structure (Q2’26) 51.2% 1 Salaries 52% IT Expenses 24% Marketing 4% Buildings & Premises 6% Other 14% €27.7m 60.1% 50.0% 1 57.4% Cost to Income Ratio 9 Operating Costs One-Off Costs 27.8 27.7
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Asset Quality Key Highlights ▪ A strong macroeconomic backdrop and disciplined underwriting continued to support excellent asset quality ▪ Late-stage NPLs remain very low, accounting for only 0.15% of the total portfolio ▪ We remain comfortable with our overall NPL position and do not expect any material changes in the near term Stage 2 and Stage 3 Dynamics Loan Impairment Losses Development (€’m) and Cost of Risk (%) 2.4% 2.4% 2.8% 2.7% 2.4% 6.0% 10.6% 10.5% 11.4% 9.1% ( 0.2%) ( 0.1%) - 0.1% 0.2% 0.3% 0.4% Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Gross Stage 3 Ratio Gross Stage 2 Ratio 65% 61% 53% 54% 57% Q2’25 Q3’25 Q4’25 Q1’26 Q2’26 Impact of Parameters 0.7 2.1 4.3 0.8 1.6 New Lending, Impact of Individual Assessments and Model Adjustment (3.0) (1.8) (4.9) (1.3) (1.4) Total (2.3) 0.3 (0.6) (0.5) 0.2 LTM Q2’25 LTM Q3’25 LTM Q4’25 LTM Q1’26 LTM Q2’26 Total CoR 0.33% 0.22% 0.13% 0.09% 0.02% Loan impairment Losses Cost of Risk (Trailing 12 Months) 10 Coverage Ratio1 Notes: (1) Coverage ratio calculated as total provisions over total NPLs (2) Late stage NPLs are loans considered to have low chance of recovery 19bps 17bps 17bps 16bps 15bps Late Stage NPL2 Asset Quality (Q2’26) Stage 1 89% Stage 2 9% 2.25% 0.15% Stage 3 NPL 2% Late Stage
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1.90% 1.63% 1.63% 1.51% 1.41% 2.40% 2.23% 2.28% 2.17% 2.12% 4.41% 4.57% 4.31% 4.35% 4.41% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Cost of Deposit Portfolio Total Cost of Funding Wholesale Funding Key Highlights Funding Funding Portfolio Breakdown (Q2’26) Cost of Funding ▪ Managed to further decrease our funding costs primarily driven by deposit funding ▪ Current account deposits continue to expand proportionally within the funding structure ▪ We expect to continue optimizing our funding structure going forward Deposit Portfolio Structure Total Funding Portfolio Development (€’m) Term Deposits 28% Demand Deposits 37% Equity 10% Debt Securities 17% Due to Other Banks 3% Other 5% €6.2bn 53% 57% 13% 13% 34% 29% Q2`25 Q2`26 Term Deposits w/o Auto- Rollover Term Deposits with Auto- Rollover Demand Deposits (42) (7) 112 9 53 5,277 5,541 6,075 6,092 6,216 11
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P1R 8.00% P2R 2.55% CBR 4.72% MB (including P2G) 3.00% 18.27% CET 1 17.34% AT1 capital 1.67% T2 Capital 2.51% 21.52% Risk Appetite Actual P1R 6.00% P2R 1.92% CBR 4.72% MB (including P2G) 3.00% 15.64% CET 1 17.34% AT1 capital 1.67% 19.01% Risk Appetite Actual P1R 4.50% P2R 1.44% CBR 4.72% MB (including P2G) 3.00% 13.66% CET 1 17.34% 17.34% Risk Appetite Actual Capital Ratios and Requirements Sufficient Capital to Support Growth Going Forward1 Risk Weighted Assets (RWA) 1 3.68% 3.37% 3.25% +10% 53.9%RWA Density 52.6% 48.4% 49.3% 50.6% Surplus CET 1 Tier 1 Total Capital 12 Key Highlights ▪ The capital position remains strong, providing a solid foundation for future growth ▪ RWA density remained at a comfortable level, reflecting a balanced risk profile Notes: (1) Preliminary data 2,739 2,807 2,835 2,896 3,011 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26
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Concluding Remarks ▪ Strong underlying performance – Core business momentum remained solid, supported by accelerating loan growth, improving margins and disciplined cost management ▪ Resilient operating fundamentals – Asset quality remained strong, while the capital position continued to provide flexibility for growth ▪ Results impacted by a one-off charge – Reported performance was affected by an approximately EUR 8.2 million non-cash, non-recurring impairment related to revised Pillar II pension reform impact assumptions 13
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Business Segment Results
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Key Highlights Corporate Clients Segment Development Corporate Loans1 (€’m) Corporate Loans by Sectors1 (Q2’26) Notes: (1) Excluding Renovation loans ▪ Corporate lending activity recovered after slower first quarter, loan book grew +9% YoY ▪ Lending growth was particularly strong across the manufacturing, transportation and utilities sectors ▪ A flagship financing transaction during the quarter supported the acquisition of a EUR 12 million Handymax dry-bulk vessel, the largest vessel of its type registered in Lithuania ▪ The transaction marked the sixth expansion project financed over an 11-year relationship, supporting fleet diversification and further growth in international dry-bulk shipping. ▪ Deposits showed strong growth of +18% YoY Deposits from Corporate Customers (€’m) Corporate Book by Client Type (Q2’26) Real Estate 30% Manufacturing 17% Wholesale & Retail 10% Construction 4% Agriculture 5% Administrative 6% Transportation 7% Hospitality 5% Utilities 8% Healthcare 3% Other 5% €2.1bn 1 022 1 033 1 151 1 230 1 256 299 353 312 284 3101,321 1,386 1,462 1,513 1,566 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Current Accounts Term Deposits 1,949 1,946 1,937 1,943 2,123 312 228 156 232 395 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Existing Loan Book Newly Originated Loans +18% Small Cap <1 mEUR Revenue 15% Mid Cap 1-5 mEUR Revenue 26% Large Cap >5 mEUR Revenue 59% +9% 15
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808 866 926 966 1052 1,401 1,504 1,573 1,512 1,443 2,208 2,370 2,499 2,478 2,495 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Current Accounts Term Deposits Key Highlights Private Clients Segment Development Private Loans (€’m) ▪ Private client loans grew 9% YoY, supported mainly by strong mortgage demand ▪ Housing market activity remained strong, with June transactions up nearly 12% YoY and around 10% above the ten year average for the month, supporting continued mortgage lending momentum Private Client Deposits (€’m) New Consumer Financing Agreements (€’m) +13% New Mortgage Agreements (€’m) 369 379 382 386 387 1,012 1,047 1,041 1,072 1,115 1,381 1,426 1,423 1,458 1,502 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Consumer Financing Mortgage +9% 86.0 55.0 23.0 62.8 68.8 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 65.4 61.4 50.7 56.9 66.8 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 16
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Asset Management Development Key Highlights ▪ Pillar II fund performance remained strong; however, significant reform-related withdrawals negatively affected assets under management and the overall asset management business ▪ Pillar III funds recorded strong positive net inflows during the quarter, partly supported by a portion of withdrawn Pillar II assets being redirected into voluntary pension products Asset Management Pillar 2 AuM Development (€’m) Asset Management (€’m) 1,196 1,261 1,319 1,293 937 177 193 209 215 258 107 110 119 122 119 1,480 1,564 1,647 1,630 1,314 2,632 13,247 3,211 5,176 4,399 -1 000 4 000 9 000 14 000 19 000 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Pillar 2 Funds Pillar 3 Funds Other Gross New Clients (RHS) 17 (446) (1) 91 1,293 937 Asset Management Pillar 3 AuM Development (€’m) (1) 16 28 215 258
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Debt Capital Markets Key Highlights ▪ Bond market activity increased in the second quarter, reflecting the typical seasonal pick-up in issuance ▪ Real estate continued to account for the largest share of bond financing, across both property development and operating company segments ▪ Advised on a bondholder voting process relating to proposed amendments to an existing EUR 50 million bond issue 18 Aggregate Value of Projects Supported by the Bank(€’m) 67 63 46 19 104 8 8 11 5 12 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Project Value Number of Projects €112m UAB ILTE Private placement Settlement and Payment Agent Dec-25 €17m AS Storent Holding Public placement Acted as Dealer Dec-25 €4m UTIISIB UAB Capitalica European Office Fund Public placement Acted as Lead Manager Feb-26 €9m AS PN project Project arranger Acted as Lead Manager Feb-26 €5m UAB Kvartalas Public placement Acted as Sole Manager Jun-26 €12m UAB REFI Sun Public placement Acted as Sole Manager Jun-26 €6m AB Panevėžio stiklas Public placement Acted as Sole Manager Apr-26 €9m AS PN project Project arranger Acted as Lead Manager May-26
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Appendix
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Income Statement In €'000 Q2’26 Q2’25 %∆ YoY 1H’26 1H’25 %∆ YoY Interest income 58,717 54,971 7% 117,203 110,330 6% Other similar income 5,824 6,019 (3%) 11,354 11,653 (3%) Interest expense (27,793) (26,986) 3% (56,017) (53,568) 5% Net interest income 36,748 34,004 8% 72,540 68,415 6% Fee and commission income 10,813 9,973 8% 20,258 19,725 3% Fee and commission expense (2,204) (2,419) (9%) (4,235) (4,610) (8%) Net fee and commission income 8,609 7,554 14% 16,023 15,115 6% Revenue related to insurance activities 1,679 1,479 14% 2,730 3,190 (14%) Net gain from trading activities (excl. insurance activities) 1,140 3,111 (63%) 2,297 5,081 (55%) Other operating income 124 27 357% 396 3,980 (90%) Total revenue 48,300 46,175 5% 93,986 95,781 (2%) Salaries and related expenses (14,593) (13,655) 7% (28,734) (27,621) 4% Depreciation and amortization expenses (2,097) (2,050) 2% (3,869) (4,405) (12%) Other operating expenses (excluding D&A) (11,050) (12,041) (8%) (20,743) (20,832) 0% Total operating expenses (27,740) (27,746) 0% (53,346) (52,858) 1% Operating profit before impairment losses 20,560 18,429 12% 40,640 42,923 (5%) Allowance for impairment losses (9,835) (1,562) 529% (10,337) (3,779) 174% Share of the profit or loss of investments in subsidiaries - - - (176) - N/A Income tax expense (2,963) (2,650) 12% (6,945) (7,245) (4%) Net profit 7,762 14,217 (45%) 23,182 31,899 (27%) 20
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In €'000 Q2’26 Q2’25 %∆ YoY ASSETS Cash and cash equivalents 396,596 575,315 (31%) Securities in the trading book 10,393 230,588 (95%) Due from other banks 10,862 2,614 316% Derivative financial instruments 1,969 263 649% Loans to customers 3,963,725 3,669,372 8% Investment securities at fair value 510,735 43,840 1065% Investment securities at amortized cost 1,224,568 666,050 84% Investments in subsidiaries and associates 200 270 (26%) Intangible assets 29,769 41,142 (28%) Property, plant and equipment 36,513 14,070 160% Other assets 30,520 33,963 (10%) Total assets 6,215,850 5,277,487 18% LIABILITIES Due to other banks and financial institutions 200,915 182,593 10% Derivative financial instruments 8,245 1,017 711% Due to customers 4,060,526 3,529,632 15% Debt securities in issue 1,034,607 731,907 41% Liabilities related to insurance activities 1,056 216 389% Other liabilities 4,919 6,241 (21%) Current income tax liabilities 231,915 196,064 18% Deferred income tax liabilities 78,119 54,488 43% Total liabilities 5,620,302 4,702,158 20% EQUITY Share capital 189,196 192,269 (2%) Share premium 25,534 25,534 0% Treasury shares (-) (4,657) (11,085) (58%) Reserve capital 756 756 0% Statutory reserve 92,123 76,516 20% Reserve for acquisition of own shares 20,000 20,000 0% Financial assets revaluation reserve (799) (2,372) (66%) Other equity 1,240 1,627 (24%) Retained earnings 272,155 272,084 0% Total equity 595,548 575,329 4% Total liabilities and equity 6,215,850 5,277,487 18% Statement of Financial Position 21
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Life Insurance Business 1,745 1,766 1,792 1,811 1,849 7.6 7.8 8.8 8.1 9.2 -1.0 1.0 3.0 5.0 7.0 9.0 11.0 13.0 15.0 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Life Insurance Risk Under Management (RuM) (€’m) Risk Under Management Gross Written Premium 155.6 164.0 171.2 168.6 188.1 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Life Insurance Asset under Management (AuM) (€`m) 22
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Notes: (1) Includes Financial Institutions (previously allocated to Other segment). (2) Excluding renovation financing Corporate Lending – Portfolio1 Loan Portfolio Segments Performance Mortgage – Portfolio Consumer Financing – Portfolio Corporate Lending – New Agreements Signed1/2 Mortgage – New Agreements Signed Consumer Financing – New Agreements Signed 1 4081 4481 4721 5211 6021 6671 8211 8291 8641 9491 9461 9371 9432 123 5.7% 6.6% 7.1%7.2%7.1%7.0% 6.8%6.6% 5.8%5.6%5.5%5.4%5.3%5.4% 3.0% 3.5% 4.0% 4.5% 5.0% 5.5% 6.0% 6.5% 7.0% 7.5% 900 1 000 1 100 1 200 1 300 1 400 1 500 1 600 1 700 1 800 1 900 2 000 Q1`23 Q3`23 Q1`24 Q3`24 Q1`25 Q3`25 Q1`26 mEUR Portfolio Yield 212 226 149 156 208 253 393 106 206 312 228 156 232 395 6.2% 7.0% 7.1% 7.3% 7.1%7.0% 6.7% 5.8%5.6% 5.1%5.2% 5.6%5.6% 6.0% 3.0% 4.0% 5.0% 6.0% 7.0% 8.0% 0 50 100 150 200 250 300 350 400 450 Q1`23 Q3`23 Q1`24 Q3`24 Q1`25 Q3`25 Q1`26 mEUR New agreements Interest rate 697 732 754 780 803 849 907 916 957 10121 0471 0411072 1115 4.5% 5.3% 5.8%6.0%5.9%5.8%5.6% 5.2% 4.6% 4.2%4.1%4.0%3.9%4.1% 2% 3% 3% 4% 4% 5% 5% 6% 6% 200 300 400 500 600 700 800 900 1 000 1 100 Q1`23 Q3`23 Q1`24 Q3`24 Q1`25 Q3`25 Q1`26 mEUR Portfolio Yield 49.3 47.0 38.041.0 39.0 72.0 75.6 25.0 76.0 86.2 54.5 22.7 62.8 68.8 5.30% 5.70% 5.90% 5.80% 5.60% 5.39% 4.90% 4.3% 3.8%3.6%3.8%3.9%3.9%4.0% 1% 2% 3% 4% 5% 6% 7% 0 10 20 30 40 50 60 70 80 Q1`23Q2`23Q3`23Q4`23Q1`24Q2`24Q3`24Q4`24Q1`25Q2`25Q3`25Q4`25Q1`26Q2`26 mEUR New agreements, mEUR Interest rate, % 244 269 288 295 309 337 356 351 354 369 379 382 386 387 9.6% 9.8% 9.9%10.0% 9.9% 10.1%10.1% 9.8% 9.5% 9.7% 9.8%9.8% 9.4% 8.8% 9% 9% 9% 9% 9% 10% 10% 10% 10% 10% 100 140 180 220 260 300 340 380 Q1`23 Q3`23 Q1`24 Q3`242 Q1`25 Q3`25 Q1`26 mEUR Portfolio Yield 50.2 62.0 58.0 50.0 53.7 72.0 64.8 43.0 50.0 65.4 61.4 50.7 56.9 66.8 9.5% 10.0% 10.5% 10.2% 10.6% 9.9% 10.5% 9.3% 11.1% 10.3% 10.7%10.5% 10.0%9.8% 6% 7% 8% 9% 10% 11% 12% 0 10 20 30 40 50 60 70 80 Q1`23Q2`23Q3`23Q4`23Q1`24Q2`24Q3`24Q4`24Q1`25Q2`25Q3`25Q4`25Q1`26Q2`26 mEUR New agreements, mEUR Interest rate, % 23
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44% 43% 43% 42% 42% 44% 44% 44% 44% 45% 34% 33% 33% 32% 33% 2Q`25 3Q`25 4Q`25 1Q`26 2Q`26 Loan portfolio LTV Mortgage loans LTV Loans secured by commercial real estate LTV Notes: (1) Top Loans excluding loans to government as % of total loan book Loan Portfolio Rate Type Robust Loan Portfolio Loan Book Concentration1Low LTV Ratios Remains Relatively Stable Loan Book Collateralization Floating Rate 85% Fixed Rate 15% Q1’25 Q2’25 Q3’25 Q4’25 Q1’26 Q2’26 Loan volume covered by collateral 87% 85% 86% 86% 86% 86% Of which: LTV from 0 to 30 16% 15% 15% 16% 16% 16% Of which: LTV from 30 to 70 51% 49% 50% 48% 48% 47% Of which: LTV more than 70 20% 21% 21% 22% 21% 23% Mortgage loans covered by collateral 100% 100% 100% 100% 100% 100% Of which: LTV from 0 to 30 13% 12% 12% 12% 13% 12% Of which: LTV from 30 to 70 52% 50% 53% 53% 55% 54% Of which: LTV more than 70 35% 37% 34% 34% 32% 34% Loans not covered by collateral (excluding consumer) 13% 15% 14% 14% 14% 14% Top 10 8% Top 11-30 7% Top 31-50 5% Other 80% 24
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Vilnius 63% Kaunas 22% Klaipeda 14% Siauliai 1% Conservative and Diversified CRE Portfolio CRE: Underlying Property Types CRE: High Geographic Diversification Top 20 Corporate Real Estate Client Breakdown by Asset Class (Jun-25) CRE Portfolio Defined by Low LTV Ratios (Mar-26) Low NPL Levels Across CRE Loans (Mar-26) CRE Split by Region (Jun-25) Office 34% Retail 40% Manufacturing 14% Residential 3% Warehouse 9% 42% 36% Total Bank Loans CRE Loans 0.5% 10.3% NPL Stage 2 Notes: (1) Excluding Renovation loans 25
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1,830 1,899 2,076 2,196 2,308 1,700 1,857 1,885 1,795 1,753 3,530 3,756 3,961 3,991 4,061 1.9% 1.6% 1.6% 1.5% 1.4% 0.0% 0.5% 1.0% 1.5% 2.0% 01632486480961121281441601761922082242402562722883043203363523683844004164324484644804965125285445605765926086246406566726887047207367527687848008168328488648808969129289449609769921 0081 0241 0401 0561 0721 0881 1041 1201 1361 1521 1681 1841 2001 2161 2321 2481 2641 2801 2961 3121 3281 3441 3601 3761 3921 4081 4241 4401 4561 4721 4881 5041 5201 5361 5521 5681 5841 6001 6161 6321 6481 6641 6801 6961 7121 7281 7441 7601 7761 7921 8081 8241 8401 8561 8721 8881 9041 9201 9361 9521 9681 9842 0002 0162 0322 0482 0642 0802 0962 1122 1282 1442 1602 1762 1922 2082 2242 2402 2562 2722 2882 3042 3202 3362 3522 3682 3842 4002 4162 4322 4482 4642 4802 4962 5122 5282 5442 5602 5762 5922 6082 6242 6402 6562 6722 6882 7042 7202 7362 7522 7682 7842 8002 8162 8322 8482 8642 8802 8962 9122 9282 9442 9602 9762 9923 0083 0243 0403 0563 0723 0883 1043 1203 1363 1523 1683 1843 2003 2163 2323 2483 2643 2803 2963 3123 3283 3443 3603 3763 3923 4083 4243 4403 4563 4723 4883 5043 5203 5363 5523 5683 5843 6003 6163 6323 6483 6643 6803 6963 7123 7283 7443 7603 7763 7923 8083 8243 8403 8563 8723 8883 9043 9203 9363 9523 9683 9844 0004 0164 0324 0484 0644 0804 0964 1124 1284 1444 1604 1764 1924 2084 2244 2404 2564 2724 2884 3044 3204 3364 3524 3684 3844 4004 4164 4324 4484 4644 4804 4964 5124 5284 5444 5604 5764 5924 6084 6244 6404 6564 6724 6884 7044 7204 7364 7524 7684 7844 8004 8164 8324 8484 8644 8804 8964 9124 9284 9444 9604 9764 9925 0085 0245 0405 0565 0725 0885 1045 1205 1365 1525 1685 1845 2005 2165 2325 2485 2645 2805 2965 3125 3285 3445 3605 3765 3925 4085 4245 4405 4565 4725 4885 5045 5205 5365 5525 5685 5845 6005 6165 6325 6485 6645 6805 6965 7125 7285 7445 7605 7765 7925 8085 8245 8405 8565 8725 8885 9045 9205 9365 9525 9685 9846 0006 0166 0326 0486 0646 0806 0966 1126 1286 1446 1606 1766 1926 2086 2246 2406 2566 2726 2886 3046 3206 3366 3526 3686 3846 4006 4166 4326 4486 4646 4806 4966 5126 5286 5446 5606 5766 5926 6086 6246 6406 6566 6726 6886 7046 7206 7366 7526 7686 7846 8006 8166 8326 8486 8646 8806 8966 9126 9286 9446 9606 9766 9927 0087 0247 0407 0567 0727 0887 1047 1207 1367 1527 1687 1847 2007 2167 2327 2487 2647 2807 2967 3127 3287 3447 3607 3767 3927 4087 4247 4407 4567 4727 4887 5047 5207 5367 5527 5687 5847 6007 6167 6327 6487 6647 6807 6967 7127 7287 7447 7607 7767 7927 8087 8247 8407 8567 8727 8887 9047 9207 9367 9527 9687 9848 000 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Current Accounts Term Deposits Cost of Deposits Deposits Development Sticky Local Deposits Top 10 Depositors Term Deposits with Auto-Rollover (Jun-26) Term Deposits by Maturity (€’m) (Jun-26) Deposits by Client Type (Jun-26) Deposits by Client Location (Jun-26) 0% 2% 4% 6% 8% 10% 12% % of Total Deposits 31% 69% Term deposit Auto-Rollover Term deposit w/o Auto- Rollover 0 200 400 600 800 1 000 1 200 < 3 Months 3 Months 6 Months 1 Year 2 Years 2 Years+ Term deposit Irrevocable Corporate 32% Retail 60% Public Sector 8% Lithuania 98% Other 2% 26
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668 906 1 570 1 581 1 446 506 493 333 269 333 1 174 1 399 1 903 1 850 1 779 Q2`25 Q3`25 Q4`25 Q1`26 Q2`26 Unencumbered securities Cash & Cash Equivalents Solid Liquidity Position Securities Portfolio (Jun-26) Securities Portfolio (Jun-26) By Security Type, Bank-only Liquid Assets (€’m) Strong Liquidity Position (Jun-26) By Accounting Method, Bank-only Group Figures Group Figures Government Bonds 98% Corporate Bonds 2% Amortised Cost 82% Fair Value 17% Trading Book 1% 179% Liquidity Coverage Ratio 150% Net Stable Funding Ratio 27
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Artea Market Share in Lithuania Notes: (1) Market share statistics as of 1Q’26 excluding Revolut Source: Bank of Lithuania (BoL) and Lithuanian Banking Association (LBA) Loan Portfolio Market(1) Corporate Lending(1) Mortgage(1) Deposits(1) 22.4% 31.6%14.1% 10.2% 21.7% SEB Swedbank Luminor Artea Others 26.0% 37.2% 7.0% 29.8% SEB Swedbank Artea Others 22.5% 30.1% 9.7% 13.0% 24.7% SEB Swedbank Luminor Artea Others 36.6%28.0% 8.1% 15.5% 11.8% Swedbank SEB Artea Luminor Other 28
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7.9% 8.2% 8.2% 8.0% 8.1% 8.1% 8.4% 8.3% 8.1% 37.0% 37.7% 37.6% 37.1% 37.2% 37.4% 36.6% 37.1% 36.6% 28.3% 27.4% 26.9% 28.5% 28.8% 27.7% 28.2% 28.0% 28.0% 17.7% 17.5% 17.1% 16.0% 16.0% 16.2% 15.5% 14.5% 15.5% 9.1% 9.2% 10.2% 10.4% 9.9% 10.6% 11.3% 12.1% 11.8% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 Artea Swedbank SEB Luminor Other 6.6% 6.8% 7.1% 7.0% 7.1% 7.3% 7.3% 7.0% 7.0% 37.2% 36.9% 36.8% 36.7% 36.8% 36.8% 37.0% 37.2% 37.2% 27.0% 27.0% 26.8% 26.5% 26.3% 26.2% 26.1% 26.2% 26.0% 29.2% 29.3% 29.3% 29.7% 29.8% 29.8% 29.6% 29.6% 29.8% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 Artea Swedbank SEB Other 14.0% 14.1% 15.0% 14.5% 14.4% 14.2% 13.5% 13.0% 13.0% 27.6% 27.0% 28.1% 28.0% 27.7% 27.5% 28.6% 29.6% 30.1% 25.2% 25.8% 25.2% 24.8% 24.8% 25.2% 24.5% 23.3% 22.5% 11.5% 11.1% 10.6% 10.6% 10.4% 9.9% 9.8% 9.5% 9.7% 21.6% 22.0% 21.0% 22.0% 22.7% 23.2% 23.6% 24.6% 24.7% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 Artea Swedbank SEB Luminor Other 10.5% 10.7% 11.2% 10.8% 10.8% 10.8% 10.5% 10.2% 10.2% 30.6% 30.2% 30.6% 30.4% 30.3% 30.3% 30.8% 31.4% 31.6% 24.0% 24.1% 23.8% 23.5% 23.6% 23.6% 23.2% 22.8% 22.4% 15.2% 14.8% 14.6% 14.5% 14.4% 14.2% 14.1% 13.9% 14.1% 19.7% 20.2% 19.9% 20.7% 20.9% 21.0% 21.4% 21.7% 21.7% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 Artea Swedbank SEB Luminor Other Artea Market Share Development Notes: (1) Market share statistics as of 1Q’26 excluding Revolut Source: Bank of Lithuania (BoL) and Lithuanian Banking Association (LBA) Loan Portfolio Market1 Corporate Lending1 Mortgage1 Deposits1 29
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Lithuania: Sound Fundamentals and Solid Growth Membership in prominent organisations of economic integration and security (EU, NATO, OECD) Key Facts (2025) Source: IMF, ECB Data Warehouse, Eurostat Notes: (1) Moody‘s / Standard & Poor’s / Fitch Ratings (2) As percentage of GDP €83 billion A2 / A / A 88% of EU avg. 38% 2.9 millionPOPULATION NOMINAL GDP CREDIT RATINGS1 GDP/CAPITA IN PPS PUBLIC DEBT2 Competitive, Western-oriented economic growth model Front-runners according to the business climate measures Sound and balanced credit risk profile Still catching-up: faster growth and higher yield potential 30 0.5% 0.6% 0.8% 1.3% 1.3% 1.4% 1.4% 2.4% 2.5% 2.7% 3.3% 3.4% 3.7% 3.8% 4.3% DE SE FR IT EE EU27 ES SI LV HU LT RO BG PL HR Real GDP Growth (% CAGR 2015-2025)
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Lithuania’s Economy: Structure Gross Value Added By Industry Manufacturing, 15% Trade, 16% Transportation, 10% Professional, Scientific and Technical Activities, 8%Construction, 8% Real Estate, 7% Information and Communication, 6% Education, 5% Human Health and Social, 5% Financial Activities, 5% Agriculture, 3% Other, 13% Poland, 10% Germany, 10% Netherlands, 8% Latvia, 8% United States, 6% Sweden, 5% United Kingdom, 5% Ukraine, 5% Estonia, 4% Other, 39% Lithuanian Origin Export Structure By Country (2025) Current Account Balance (ratio to GDP, %) -6% -4% -2% 0% 2% 4% 6% 8% 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Estonia Latvia Lithuania Exports of Goods and Services (ratio to GDP, %) Source: Eurostat CEE – Bulgaria, Czechia, Estonia, Croatia, Latvia, Lithuania, Hungary, Poland, Romania, Slovenia, Slovakia 63.8% 49.6% 71.3% 73.0% CEE EU27 Baltics Lithuania 31
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51.1% 81.7% 36.8% 39.5% CEE EU27 Baltics Lithuania Source: Eurostat CEE – Bulgaria, Czechia, Estonia, Croatia, Latvia, Lithuania, Hungary, Poland, Romania, Slovenia, Slovakia Real GDP SCDA Index (2015=100), % Lithuania’s Economy: Sound Pace of Convergence Exports of Goods and Services (2015=100), % GDP Per Capita in PPS EU-27=100, % Government Debt to GDP Ratio (2025) Unemployment Rate Inflation Average Annual HICP Inflation Rate (Dec-25) 32 3.9% 2.5% 4.0% 3.4% CEE EU27 Baltics Lithuania 3% 4% 5% 6% 7% 8% 9% 10% 11% 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 EU27 CEE Baltics Lithuanian 90 110 130 150 170 190 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 EU27 CEE Baltics Lithuanian 95 100 105 110 115 120 125 130 135 140 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 EU27 CEE Baltics Lithuanian 65 70 75 80 85 90 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 CEE Baltics Lithuanian
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Source: EBA NPL’s Lithuania’s Economy: Banking Sector Evolution Tier 1 Capital % Cost of Risk % Loan to Deposit Ratio % NIM % ROA % 33 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 EU LT 15.0% 17.0% 19.0% 21.0% 23.0% 25.0% 27.0% Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 EU LT 0.0% 0.1% 0.2% 0.3% 0.4% 0.5% 0.6% 0.7% 0.8% 0.9% 1.0% Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 EU LT 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% 4.5% Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 EU LT 15% 35% 55% 75% 95% 115% 135% Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 EU LT 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 EU LT
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AT BE BG CZ DE DK EE ES FI FRGR HR IT LT LV PL PT RO SE SI SK EU 0% 2% 4% 6% 8% 10% 12% 14% 16% 18% 0% 100% 200% 300% 400% 500% 600% Banking Asset Growth CAGR (2020-2025) Banking Assets Ratio to GDP in 2025, % Source: Eurostat Banking Sector in Europe 34
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Debt Securities in Issue Type ISIN Code Volume of Issue Interest rate Maturity Issue date Currency Senior Preferred XS3191554495 300,000,000 3.74% Jul 10, 2029 Oct 7, 2025 EUR Senior Preferred XS3025213102 300,000,000 4.60% Jun 25, 2030 Mar 25, 2025 EUR AT1 XS2922133363 50,000,000 8,75% Oct 17, 2029 Oct 17, 2024 EUR Senior Preferred XS2887816564 300,000,000 4.85% Dec 5, 2028 Sep 5, 2024 EUR Subordinated LT0000409013 25,000,000 7.70% May 22, 2034 May 22, 2024 EUR Subordinated LT0000407751 50,000,000 10.75% Jun 22, 2033 Jun 12, 2023 EUR 35
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Management Board Tomas Varenbergas ▪ Chief Executive Officer ▪ Chairman of the Management Board Artea Bankas: 10 years Financial Industry: 19 years Rimvydas Mockus (Subject to ECB approval) ▪ Head of Corporate Clients Artea Bankas: 15 years Financial Industry: 22 years Laura Križinauskienė ▪ Head of Private Clients ▪ Former CEO of INVL Asset Management Artea Bankas: 2 years Financial Industry: 21 years Algimantas Gaulia ▪ Chief Risk Officer Artea Bankas: 13 years Financial Industry: 24 years Aurelija Geležiūnė ▪ Chief Compliance Officer Artea Bankas: 14 years Financial Industry: 17 years 36 Oleg Marofejev (Subject to ECB approval) ▪ Chief Technology Officer Artea Bankas: 1 years Financial Industry: 22 years
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Board of Directors (Supervisory Council) Source: Company disclosure Valdas Vitkauskas ▪ Chairman of the Supervisory Council of Artea Bankas since August 2022 ▪ Member of the Supervisory Council of Artea Bankas since June 2022 ▪ Previously Senior Banker at EBRD Gintaras Kateiva ▪ Chairman of the Board at Litagra ▪ Member of the Supervisory Council of Artea Bankas since 2008 Darius Šulnis ▪ Chief Executive Officer of Invalda INVL ▪ Board member at Litagra ▪ Member of the Supervisory Council of Artea Bankas since May 2016 Ulrik Lackschewitz ▪ Chief Risk Officer (CRO) & Deputy CEO of Hamburg Commercial Bank ▪ Chief Risk Officer (CRO) & Member of the Management Board HSH Nordbank ▪ Managing Director Nord LB Mindaugas Raila ▪ Chairman at Willgrow, Girteka Logistics and SIRIN Development ▪ Member of the Supervisory Council of Artea Bankas since January 2022 Tomas Okmanas ▪ Co-founder and CEO of Tesonet and Nord Security ▪ Investor, advisor and board member in multiple technology companies ▪ Member of the Supervisory Council of Artea Bankas since February 2022 Monika Nachyła ▪ Partner at Abris Capital responsible for IR, communication, and ESG ▪ Over 25 years of international C-suite experience in banking and finance ▪ Member of the Supervisory Council of Artea Bankas since June 2024 John Michael Denhof ▪ Director at Subtle Insights - strategic consulting services ▪ Over 27 years of international C-suite experience in banking and finance ▪ Former CEO of OTP Bank Slovenia with 25 years of experience at Citigroup 37
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Disclaimer General The material in this presentation has been prepared by AB Artea Bank (Artea) and solely for use at this presentation. The information provided in this presentation pertaining to Artea, its business assets, strategy and operations is for general informational purposes only. No part of this presentation, nor the fact of its distribution, should form the basis of, or be relied on in connection with any contract or commitment or investment decision whatsoever. The sole purpose of this presentation is to provide background information. The information contained in this presentation is intended only for the persons to whom it is provided. The information contained in this presentation supersedes any prior presentation or conversation concerning Artea. Any information, representations or statements not contained herein shall not be relied upon for any purpose. Neither Artea nor any of its representatives shall have any liability whatsoever, under contract, tort, trust or otherwise, to you or any person resulting from the use of the information in this presentation by you or any of your representatives or for omissions from the information in this presentation. Artea makes no representation nor gives any warranty as to the results to be obtained from any investment, strategy or transaction. Please note that investors must consider the possible risks and circumstances beyond the control of Artea that may affect the decline in the value of their investments. The document should not be treated as a recommendation, offer or invitation to invest in the securities of Artea. Investments in securities of Artea are associated with investment risk. Past results only show the changes in the value of the securities over a past period and do not guarantee future performance. The value of the securities can both rise and fall.