Slides
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Artea Bank October 28, 2026 Q3’26 Financial Results
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Core Business Delivering Sustained Growth - Loan portfolio growth remains resilient and in line with original guidance Strong Deposit Growth Strengthening Funding Base- Continued deposit growth, supported by targeted campaigns, improves the loan-to-deposit ratio, reinforces funding stability and enhances capacity for future lending growth Daily Banking Gaining Traction - Stronger revenue generation and retail client acquisition nearly doubled in Q3’26 driven by credit card and deposit campaigns and stronger cross-sell across Artea Group Strengthening Leadership Across the Bank - New leadership appointments across data, IT, risk, marketing and HR support the strategic shift towards bringing core capabilities and technology in-house, enhancing operational control, decision-making and scalability FY2026 Guidance Updated - Following the management transition, reflecting a reset of strategic priorities and higher near-term investment in risk management to support long-term growth Loan Book €4.0bn Net Profit €4.7m RoE 3.2% CET1 Ratio 16.8% Adj. Net Profit €11.0m Adj. RoE 7.4% Cost of Risk 0.60% BVPS €0.92 Q3’26 2 Robust Core Performance While Building A More Resilient Operating Model
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What is Shaping Our Results This Year 01 Pension reform Withdrawals were higher and earlier than expected. This drove asset revaluations and held back the reported result. €10.2m Net impact after tax in 9M’26 02 A more cautious outlook While the outlook remains positive, we updated our credit- risk assumptions to allow for a broader range of outcomes. €6.3m Provisions in 9M’26 03 Building a stronger bank Increased investments in risk management and risk culture. More critical capabilities are moving in-house, supported by a stronger leadership team. We Are Acting Now To Strengthen Resilience, Control And Our Ability To Grow 3
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Artūras Baravykas Chief Data Officer Previously at: Investing in People: Strengthening Senior Leadership Across the Bank 4 Donatas Keršys Deputy Head of Risk Management Daugirdas Jankus Chief Marketing Officer Kristina Alešiūnaitė Head of Supervisory Relationships Indrė Maldžė Head of HR Julius Juodelė Head of Markets Previously at: Previously at: Previously at: Previously at: Previously at: Reinforcing Data, Risk Management and Supervisory Engagement Whilst Further Driving Business and People Development
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Macroeconomic Overview
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Note: Break in Estonia’s Economic Sentiment Indicator series due to a change in data provider Source: Eurostat, Macrobond Lithuania Among the EU’s Top 5 Fastest-Growing Economies -1.7 0.6 0.7 0.8 0.9 0.9 0.9 1.0 1.2 1.3 1.5 1.7 1.9 1.9 1.9 2.3 2.4 2.7 2.8 2.8 2.9 2.9 3.3 3.5 4.1 4.4 6.1 Romania Belgium France Slovakia Euro area Germany Austria Italy EU-27 Finland Netherlands Hungary Greece Croatia Czechia Estonia Portugal Spain Latvia Bulgaria Cyprus Sweden Lithuania Poland Slovenia Malta Denmark Real GDP YoY (H1’26) (%) Strong consumption, rising public investment, low debt and resilient exporters sustain solid growth despite external headwinds Economic Sentiment IndicatorReal GDP Index (2022=100) (%) 6
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Energy Shock Pass-Through To Broader Inflation Remains Limited So Far Rising incomes and pension reform-driven liquidity boost consumption while cushioning households against inflation Source: Eurostat, Macrobond Annual Inflation (%)Annual Inflation (%) LT Retail Trade Turnover YoY (%) Household Deposits YoY (%) 7
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Sound Asset Quality Underpin Banking Sector Resilience Credit growth is among the EU’s strongest, but rising rates may cool lending and a housing boom that is undermining affordability Source: ECB, Macrobond Loan Portfolio to Household and NFC YoY (%) Residential Real Estate Prices YoY (%) Interest Rates on Pure New Loans (%) 8
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3.0 3.4 8.5 6.9 2.9 5.3 9.5 6.8 2.3 3.5 7.8 7.0 2.6 2.7 7.3 6.9 Real GDP, annual change, % Average HICP inflation, % Average gross monthly wages, annual change, % Unemployment rate, % Lithuania's macroeconomic forecasts, % 2025 2026F 2027F 2028F Recent Trends And Macroeconomic Outlook ▪ Resilient economy. Consumption, rising incomes, public investment, a strong labour market and low debt support growth, which is set to moderate slightly in 2027 amid higher rates, cost pressures and weak external demand ▪ Pension reform impact. Much of the withdrawn pension savings sits idle in current accounts, limiting the consumption boost but cushioning households against a prolonged energy crisis ▪ GFCF remains strong. Private investment picks up only gradually, but EU-funded public investment, especially in defence and infrastructure, will stay intensive ▪ Persistent inflation risks. Higher energy costs and services inflation, compounded by potential second-round effects and spillovers into food prices, will keep inflation elevated ▪ Robust labour market. Wage growth is expected to outpace inflation, supporting purchasing power ▪ Sound banking fundamentals, tighter financing outlook. Strong lending growth and sound asset quality support the sector, but rising rates may cool credit demand and a housing boom where prices outpace incomes ▪ Lithuania’s fundamentals remain solid, but geopolitical uncertainty, inflation risks and fiscal pressures cloud the outlook Strong fundamentals and resilient growth amid persisting elevated uncertainty and external headwinds Note: F - forecast Source: Eurostat, Artea Lithuania’s Macroeconomic Forecast (%) 9
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Q3’26 Financial Results
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▪ Loan book surpassed €4.0bn for the first time (+2% QoQ, +8% YoY), with total assets up 17% YoY to €6.5bn ▪ Deposits grew 7% QoQ and 16% YoY to €4.35bn, driven by the retail focus and customer acquisition. The loan-to-deposit ratio improved to 92% (compared to Q2’26: 98%), strengthening the funding base for future growth ▪ NII rose 12% QoQ to €41.1m, reflecting a growing loan book and higher Euribor rate ▪ Stronger NII revenue offset lower fee income (−12% QoQ) and negative other income. Total quarterly revenue was stable at €48.3m ▪ Opex increased 24% QoQ to €34.3m, mainly from other operating expenses (+42%), as the Group continues investing in people, technology and risk management capabilities ▪ Additional provisions recognised in Q3 were primarily driven by more conservative loss given default (LGD) assumptions, higher specific provisions for non-performing exposures, and increased weighting of adverse macroeconomic scenarios ▪ Underlying profitability remains solid, with 9M YTD adjusted RoE of 10.6% and Q3 adjusted net profit of €11.0m (adjusted RoE 7.4%), excluding non- recurring one-off items 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 Q3’26 Q2’26 %∆ QoQ 9M’26 9M’251 %∆ YoY Net Interest Income 41.1 36.7 12% 113.7 104.3 9% Net Fee & Commission Income 7.6 8.6 (12%) 23.6 22.7 4% Other (0.4) 2.9 (113%) 5.0 16.2 (69%) Total Revenue 48.3 48.3 0% 142.3 143.3 (1%) Salaries and Related Expenses (15.7) (14.6) 8% (44.4) (40.3) 10% Other Operating Expenses (18.6) (13.1) 42% (43.2) (40.3) 7% Total Operating Expenses (34.3) (27.7) 24% (87.7) (80.6) 9% Operating Profit 14.0 20.6 (32%) 54.6 62.7 (13%) Impairment Losses (8.1) (9.8) (18%) (18.6) (3.2) 479% Income Tax Expense (1.1) (3.0) (61%) (8.1) (11.1) (27%) Net Profit 4.7 7.8 (39%) 27.9 48.4 (42%) Return on Equity2 3.2% 5.2% (2.0pp) 6.2% 11.1% (4.9pp) Adjusted Net Profit3 11.0 18.9 (42%) 47.2 56.4 (16%) Adjusted Return on Equity3 7.4% 12.7% (5.3pp) 10.6% 13.0% (2.4pp) Select Balance Sheet Metrics In €’m Sep’26 Jun’26 %∆ QoQ Sep’26 Sep’25 %∆ YoY Total Loans 4,024 3,964 2% 4,024 3,719 8% Total Assets 6,482 6,216 4% 6,482 5,541 17% Total Deposits 4,352 4,061 7% 4,352 3,756 16% Total Equity 600 596 1% 600 592 1% Assets under Management4 1,701 1,800 (6%) 1,701 2,089 (19%) Assets under Custody 2,246 2,203 2% 2,246 1,944 16% BVPS 0.92 0.92 1% 0.92 0.91 1% 11
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Loan Portfolio Key Highlights ▪ The loan book grew 2% QoQ, crossing the €4.0bn mark for the first time, led by mortgages (+€37m) and corporate lending (+€30m), which together make up 82% of the book ▪ Total loan yield rose 41bp QoQ to 6.0%, its highest level in six quarters, reflecting rising Euribor rates and pricing discipline, with gains across all core segments (corporate +51bp, mortgage +25bp) ▪ Consumer finance yield rebounded +68bp QoQ to 9.5%, as the group prioritised yield and credit quality over volume growth, improving portfolio profitability Loan YieldsLoan Book (Q3’26) 5.9% 5.7% 5.8% 5.6% 6.0% 5.5% 5.4% 5.3% 5.4% 5.9% 4.1% 4.0% 3.9% 4.1% 4.4% 9.8% 9.8% 9.4% 8.8% 9.5% Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Total Corporate Mortgage Consumer Loan Book Development QoQ (6) (3) 30 37 2 3 964 4 024 +2% Corporate 53% Mortgage 29% Consumer 10% Renovatio n 6% Other 2% €4.0bn 12
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(79.0) (85.2) 86.6 90.5 26.4 26.8 31.9 34.1 16.9 16.6 21.6 30.9 104.3 113.7 9M`25 9M`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) ▪ NII up 12% QoQ to €41.1m, driven by higher asset yields: yield effects added €5.1m and balance sheet growth a further €0.7m, more than offsetting €1.3m in higher funding costs ▪ NIM expanded +32bp QoQ to 2.8%, its highest level since Q3'25, as asset yield rose +35bp to 4.9% while cost of funding increased only marginally ▪ Funding costs contained at 2.2% (flat YoY) despite 7% QoQ deposit growth, reflecting the strength of the Group’s retail funding franchise ▪ YTD NII up 9% YoY to €113.7m, supported by higher treasury income (+€9.3m) and growth in corporate (+€3.9m) and mortgage (+€2.2m) lending income, which more than absorbed a €6.2m increase in funding costs 5.2% 4.8% 4.6% 4.6% 4.9% 2.9% 2.5% 2.4% 2.4% 2.8% 2.2% 2.3% 2.2% 2.1% 2.2% Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Asset Yield NIM Cost of Funding Net Interest Income Development QoQ 13 (0.9) (0.4) 0.7 5.1 36.8 41.1
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Net Fee & Commission Income Key Highlights ▪ YTD net fees & commission income (NFCI) reached €23.6m, up 4% YoY, driven mainly by daily banking segment ▪ Daily banking is now the largest fee income contributor, accounting for 34% of total fees YTD, driven by an expanding retail franchise and stronger customer acquisition ▪ Asset management fee income increased YoY in 9M’26, as growth in higher-margin Pillar III funds more than offset Pillar II AuM attrition, further supported by strong market performance ▪ Capital markets fees normalised, reflecting lower market activity Net Fee & Commission Income YoY (€’m) Net Fee & Commission Income (€’m) 6.5 8.0 6.5 6.0 2.9 2.5 1.0 1.3 5.7 5.8 22.7 23.6 9M`25 9M`26 Asset Management Other Services Capital Markets Renovation Daily Banking 14 % of Total Revenue 7.6 8.3 7.4 8.6 7.6 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 16% 18% 16% 18% 16%
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(0.9) 23.9 28.2 3.8 3.0 1.1 0.6 0.4 6.1 Operating Expenses Notes: (1) Adjusted Cost to income ratio excludes costs related to the core banking system upgrade, rebranding and the new office building as these are c onsidered non-recurring Key Highlights Operating Expenses Development YoY (€’m) ▪ Operating expenses increased YoY primarily driven by higher personnel expenses ▪ The increase in personnel costs was mainly non-recurring and linked to management changes during the quarter, which have strengthened the management team with new senior-level competencies Operating Expenses Structure (Q3’26) 50.5% 1 Salaries 46% IT Expenses 31% Marketing 4% Buildings & Premises 5% Other 14% €34.3m 58.5% 58.4% 1 71.1% Cost to Income Ratio 15 Operating Costs One-Off Costs 27.7 34.3 Includes EUR 2.2m of non-recurring charges
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Loan Portfolio Quality Key Highlights ▪ Model adjustments drove additional impairment losses ▪ Late-stage NPLs remain very low, accounting for only 0.14% of the total portfolio ▪ Provisions recognised in Q3 were primarily driven by more conservative LGD assumptions and higher specific provisions for non-performing exposures, while the overall NPL position remains stable, with no material changes expected in the near term Stage 2 and Stage 3 Dynamics Loan Impairment Losses Development (€’m) and Cost of Risk (%) 2.4% 2.8% 2.7% 2.4% 2.8% 10.6% 10.5% 11.4% 9.1% 8.3% ( 0.2%) ( 0.1%) - 0.1% 0.2% 0.3% 0.4% Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Gross Stage 3 Ratio Gross Stage 2 Ratio 61% 53% 54% 57% 52% Q2’25 Q3’25 Q4’25 Q1’26 Q2’26 Q3’26 Impact of Parameters 0.7 2.1 4.3 0.8 1.6 1.4 New Lending, Impact of Individual Assessments and Model Adjustment (3.0) (1.8) (4.9) (1.3) (1.4) (7.4) Total (2.3) 0.3 (0.6) (0.5) 0.2 (6.0) LTM Q2’25 LTM Q3’25 LTM Q4’25 LTM Q1’26 LTM Q2’26 LTM Q3’26 Total CoR 0.33% 0.22% 0.13% 0.09% 0.02% 0.18% Loan Impairment Losses Cost of Risk (Trailing 12 Months) 16 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 17bps 17bps 16bps 15bps 14bps Late Stage NPL2 Asset Quality (Q3’26) Stage 1 89% Stage 2 8% 2.70% 0.14% Stage 3 NPL 3% Late Stage
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1.63% 1.63% 1.51% 1.41% 1.45% 2.23% 2.28% 2.17% 2.12% 2.15% 4.57% 4.31% 4.35% 4.41% 4.51% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Cost of Deposit Portfolio Total Cost of Funding Wholesale Funding Key Highlights Funding Funding Portfolio Breakdown (Q3’26) Cost of Funding ▪ The term deposit campaign was the main driver of deposit portfolio growth in the third quarter ▪ Term deposit campaign not only drove strong deposit portfolio growth but also proved an effective client acquisition tool, further strengthening the retail banking franchise Deposit Portfolio Structure Total Funding Portfolio Development (€’m) Term Deposits 31% Demand Deposits 36% Equity 9% Debt Securities 16% Due to Other Banks 3% Other 5% €6.5bn 51% 55% 13% 13% 36% 32% Q3`25 Q3`26 Term Deposits w/o Auto- Rollover Term Deposits with Auto- Rollover Demand Deposits (35) 230 62 5 5 5,541 6,075 6,092 6,216 6,482 17
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P1R 8.00% P2R 2.55% CBR 4.72% MB (including P2G) 3.00% 18.27% CET 1 16.77% AT1 capital 1.69% T2 Capital 2.52% 20.98% Risk Appetite Actual P1R 6.00% P2R 1.92% CBR 4.72% MB (including P2G) 3.00% 15.64% CET 1 16.77% AT1 capital 1.69% 18.46% Risk Appetite Actual P1R 4.50% P2R 1.44% CBR 4.72% MB (including P2G) 3.00% 13.66% CET 1 16.77% 16.77% Risk Appetite Actual Capital Ratios and Requirements Sufficient Capital to Support Growth Going Forward1 Risk Weighted Assets (RWA) 1 3.11% 2.82% 2.71% +8% 52.6%RWA Density 48.4% 49.3% 50.6% 48.7% Surplus CET 1 Tier 1 Total Capital 18 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 ▪ ECB approval obtained for a share buyback programme, providing additional flexibility in capital allocation Notes: (1) Preliminary data 2,807 2,835 2,896 3,011 3,040 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26
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Future Outlook 19 Revised guidance reflects a deliberate reset: new leadership, optimised balance sheet and more prudent provisioning Notes: (1) Adjustments exclude one-off impairment charge and costs related to the core banking system upgrade, rebranding and th e new office building as these are considered non-recurring Loan Book 11% 12% Deposits 5% 11% Adj. C/I Ratio1 53.2% 52.1% Adj. RoE1 12.0% 8.6% Adj. Net Profit1 €73m €51-54m Net Profit €61m €30-33m Growth Efficiency Profitability Old New Changing Macro Outlook: Wider Range of Possible Outcomes Additional impairments of around €10m are likely in Q4 New Management Team: Resetting Strategic Priorities
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Business Segment Results
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Key Highlights Corporate Clients Segment Development Corporate Loans1 (€’m) Corporate Loans by Sectors1 (Q3’26) Notes: (1) Excluding Renovation loans ▪ Corporate lending activity remained strong, loan book grew +11% YoY ▪ Gained 0.4% market share over the first half of 2026 in an expanding market ▪ Continued strong lending in green energy space, financing two new battery storage parks with a combined capacity of 84 MW, totaling EUR 37.4m, currently in development ▪ Deposits showed strong growth of +20% YoY Deposits from Corporate Customers (€’m) Corporate Book by Client Type (Q3’26) Real Estate 30% Manufacturing 17% Wholesale & Retail 10% Construction 4% Agriculture 5% Administrative 6% Transportation 7% Hospitality 4% Utilities 10% Healthcare 3% Other 5% €2.2bn 1 033 1 151 1 230 1 256 1 343 353 312 284 310 3181,386 1,462 1,513 1,566 1,661 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Current Accounts Term Deposits 1,946 1,937 1,943 2,123 2,153 228 156 232 395 226 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Existing Loan Book Newly Originated Loans +20% Small Cap <1 mEUR Revenue 15% Mid Cap 1-5 mEUR Revenue 26% Large Cap >5 mEUR Revenue 59% +11% 21
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866 926 966 1052 1027 1,504 1,573 1,512 1,443 1,664 2,370 2,499 2,478 2,495 2,691 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Current Accounts Term Deposits Key Highlights Private Clients Segment Development Private Loans (€’m) ▪ Private client loans grew 8% YoY, supported mainly by strong mortgage demand ▪ Deposits showed strong growth of +14% YoY ▪ Stronger revenue generation and client acquisition nearly doubled in Q3’26 driven by credit card and deposit campaigns and stronger cross-sell across Artea Group Private Client Deposits (€’m) New Consumer Financing Agreements (€’m) +14% New Mortgage Agreements (€’m) 379 382 386 387 389 1,047 1,041 1,072 1,115 1,152 1,426 1,423 1,458 1,502 1,541 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Consumer Financing Mortgage +8% 55.0 23.0 62.8 68.8 69.0 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 61.4 50.7 56.9 66.8 53.8 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 22
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Asset Management Development Key Highlights ▪ Pillar II fund performance remained strong; however, significant reform-related withdrawals continue to negatively affect assets under management and the overall asset management business ▪ Pillar III funds recorded strong positive net inflows during the quarter ▪ Regimantas Valentonis, a long-standing member of the team and former Head of Investment Management, appointed CEO of Artea Asset Management Asset Management Pillar 2 AuM Development (€’m) Asset Management (€’m) 1,261 1,319 1,293 937 838 193 209 215 258 276 110 119 122 119 117 1,564 1,647 1,630 1,314 1,231 13,247 3,211 5,176 4,399 3,858 -1 000 4 000 9 000 14 000 19 000 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Pillar 2 Funds Pillar 3 Funds Other Gross New Clients (RHS) 23 (105) (1) 8 937 839 Asset Management Pillar 3 AuM Development (€’m) (1) 14 4 258 276
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Life Insurance Business 1,766 1,792 1,811 1,849 1,888 7.8 8.8 8.1 9.2 9.1 -1.0 1.0 3.0 5.0 7.0 9.0 11.0 13.0 15.0 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Life Insurance Risk Under Management (RuM) (€’m) Risk Under Management Gross Written Premium 164.0 171.2 168.6 188.1 191.6 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Life Insurance Asset under Management (AuM) (€’m) 24
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Appendix
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Income Statement In €'000 Q3’26 Q3’25 %∆ YoY 9M’26 9M’25 %∆ YoY Interest income 64,136 55,796 15% 181,339 166,126 9% Other similar income 6,163 5,522 12% 17,517 17,175 2% Interest expense (29,165) (25,402) 15% (85,182) (78,970) 8% Net interest income 41,134 35,916 15% 113,674 104,331 9% Fee and commission income 10,113 10,263 (1%) 30,371 29,988 1% Fee and commission expense (2,567) (2,658) (3%) (6,802) (7,268) (6%) Net fee and commission income 7,546 7,605 (1%) 23,569 22,720 4% Revenue related to insurance activities 2,061 1,637 26% 4,791 4,827 (1%) Net gain from trading activities (excl. insurance activities) (2,581) 2,074 (224%) (284) 7,155 (104%) Other operating income 130 213 (39%) 526 4,260 (88%) Total revenue 48,290 47,445 2% 142,276 143,293 (1%) Salaries and related expenses (15,707) (12,695) 24% (44,441) (40,316) 10% Depreciation and amortization expenses (1,961) (1,595) 23% (5,830) (6,000) (3%) Other operating expenses (excluding D&A) (16,672) (13,415) 24% (37,415) (34,314) 9% Total operating expenses (34,340) (27,705) 24% (87,686) (80,630) 9% Operating profit before impairment losses 13,950 19,740 (29%) 54,590 62,663 (13%) Allowance for impairment losses (8,076) 568 (1522%) (18,413) (3,211) 473% Share of the profit or loss of investments in subsidiaries - - - (176) - - Income tax expense (1,141) (3,841) (70%) (8,086) (11,086) (27%) Net profit 4,733 16,467 (71%) 27,915 48,366 (42%) 26
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In €'000 Q3’26 Q3’25 %∆ YoY ASSETS Cash and cash equivalents 621,128 544,327 14% Securities in the trading book 9,146 246,038 (96%) Due from other banks 20,094 3,864 420% Derivative financial instruments 804 311 159% Loans to customers 4,024,258 3,719,376 8% Investment securities at fair value 488,718 41,214 1086% Investment securities at amortized cost 1,226,544 902,718 36% Investments in subsidiaries and associates 200 270 (26%) Intangible assets 27,280 40,851 (33%) Property, plant and equipment 31,709 13,650 132% Other assets 32,143 28,625 12% Total assets 6,482,024 5,541,244 17% LIABILITIES Due to other banks and financial institutions 151,956 186,419 (18%) Derivative financial instruments 16,767 1,053 1492% Due to customers 4,352,211 3,756,003 16% Debt securities in issue 1,039,828 741,436 40% Liabilities related to insurance activities 1,399 476 194% Other liabilities 4,499 6,174 (27%) Current income tax liabilities 234,185 205,448 14% Deferred income tax liabilities 80,963 52,257 55% Total liabilities 5,881,808 4,949,266 19% EQUITY Share capital 189,196 189,196 0% Share premium 25,534 25,534 0% Treasury shares (-) (4,657) (2,143) 117% Reserve capital 756 756 0% Statutory reserve 92,137 76,516 20% Reserve for acquisition of own shares 20,000 20,000 0% Financial assets revaluation reserve (1,105) (2,190) (50%) Other equity 1,467 1,627 (10%) Retained earnings 276,888 282,682 (2%) Total equity 600,216 591,978 1% Total liabilities and equity 6,482,024 5,541,244 17% Statement of Financial Position 27
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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 1232 153 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% 5.9% 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 2 100 2 200 Q1`23 Q3`23 Q1`24 Q3`24 Q1`25 Q3`25 Q1`26 Q3`26 mEUR Portfolio Yield 212 226 149 156 208 253 393 106 206 312 228 156 232 395 226 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% 6.4% 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 Q3`26 mEUR New agreements Interest rate 697 732 754 780 803 849 907 916 957 10121 0471 041107211151152 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% 4.4% 2% 3% 3% 4% 4% 5% 5% 6% 6% 200 300 400 500 600 700 800 900 1 000 1 100 1 200 Q1`23 Q3`23 Q1`24 Q3`24 Q1`25 Q3`25 Q1`26 Q3`26 mEUR Portfolio Yield 49.347.038.041.0 39.072.075.625.076.086.254.522.762.868.869.0 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%4.2% 1% 2% 3% 4% 5% 6% 7% 0 10 20 30 40 50 60 70 80 mEUR New agreements, mEUR Interest rate, % 244 269 288 295 309 337 356 351 354 369 379 382 386 387 389 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% 9.5% 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 Q3`26 mEUR Portfolio Yield 50.262.058.050.053.772.064.843.050.065.461.450.756.966.853.8 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% 10.5% 6% 7% 8% 9% 10% 11% 12% 0 10 20 30 40 50 60 70 80 mEUR New agreements, mEUR Interest rate, % 28
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44% 43% 43% 42% 42% 44% 44% 44% 45% 44% 34% 33% 33% 32% 33% 3Q`25 4Q`25 1Q`26 2Q`26 3Q`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 84% Fixed Rate 16% Q1’25 Q2’25 Q3’25 Q4’25 Q1’26 Q2’26 Q3’26 Loan volume covered by collateral 87% 85% 86% 86% 86% 86% 86% Of which: LTV from 0 to 30 16% 15% 15% 16% 16% 16% 16% Of which: LTV from 30 to 70 51% 49% 50% 48% 48% 47% 49% Of which: LTV more than 70 20% 21% 21% 22% 21% 23% 22% Mortgage loans covered by collateral 100% 100% 100% 100% 100% 100% 100% Of which: LTV from 0 to 30 13% 12% 12% 12% 13% 12% 13% Of which: LTV from 30 to 70 52% 50% 53% 53% 55% 54% 55% Of which: LTV more than 70 35% 37% 34% 34% 32% 34% 33% Loans not covered by collateral (excluding consumer) 13% 15% 14% 14% 14% 14% 14% Top 10 8% Top 11-30 8% Top 31-50 5% Other 79% 29
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Vilnius 63% Kaunas 21% Klaipeda 14% Siauliai 2% Conservative and Diversified CRE Portfolio CRE: Underlying Property Types CRE: High Geographic Diversification Top 10 Corporate Real Estate Client Breakdown by Asset Class (Sep-26) CRE Portfolio Defined by Low LTV Ratios (Sep-26) Low NPL Levels Across CRE Loans (Sep-26) CRE Split by Region (Sep-26) Office 31% Retail 25% Manufacturing 13% Residential 14% Other 17% 42% 37% Total Bank Loans CRE Loans 0.6% 9.4% NPL Stage 2 Notes: (1) Excluding Renovation loans 30
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1,899 2,076 2,196 2,308 2,370 1,857 1,885 1,795 1,753 1,983 3,756 3,961 3,991 4,061 4,353 1.6% 1.6% 1.5% 1.4% 1.5% 0.5% 0.7% 0.9% 1.1% 1.3% 1.5% 1.7% 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 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Current Accounts Term Deposits Cost of Deposits Deposits Development Sticky Local Deposits Top 10 Depositors Term Deposits with Auto-Rollover (Sep-26) Term Deposits by Maturity (€’m) (Sep-26) Deposits by Client Type (Sep-26) Deposits by Client Location (Sep-26) 0% 2% 4% 6% 8% 10% 12% % of Total Deposits 28% 72% Term deposit Auto-Rollover Term deposit w/o Auto- Rollover 0 200 400 600 800 1 000 1 200 1 400 < 3 Months 3 Months 6 Months 1 Year 2 Years 2 Years+ Term deposit Irrevocable Corporate 33% Retail 60% Public Sector 7% Lithuania 99% Other 1% 31
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906 1 570 1 581 1 446 1 412 493 333 269 333 552 1 174 1 399 1 903 1 850 1 779 Q3`25 Q4`25 Q1`26 Q2`26 Q3`26 Unencumbered securities Cash & Cash Equivalents Solid Liquidity Position Securities Portfolio (Sep-26) Securities Portfolio (Sep-26) By Security Type, Bank-only Liquid Assets (€’m) Strong Liquidity Position (Sep-26) By Accounting Method, Bank-only Group Figures Group Figures Government Bonds 99% Corporate Bonds 1% Amortised Cost 84% Fair Value 15% Trading Book 1% 209% Liquidity Coverage Ratio 156% Net Stable Funding Ratio 32
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Artea Market Share in Lithuania Notes: (1) Market share statistics as of 2Q’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%14.0% 10.4% 21.6% SEB Swedbank Luminor Artea Others 25.6% 37.4% 7.1% 29.9% SEB Swedbank Artea Others 22.7% 29.6% 9.4% 13.4% 24.9% SEB Swedbank Luminor Artea Others 37.2% 26.8% 8.2% 15.5% 12.3% Swedbank SEB Artea Luminor Other 33
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7.9% 8.2% 8.2% 8.0% 8.1% 8.1% 8.4% 8.3% 8.1% 8.2% 37.0% 37.7% 37.6% 37.1% 37.2% 37.4% 36.6% 37.1% 36.6% 37.2% 28.3% 27.4% 26.9% 28.5% 28.8% 27.7% 28.2% 28.0% 28.0% 26.8% 17.7% 17.5% 17.1% 16.0% 16.0% 16.2% 15.5% 14.5% 15.5% 15.5% 9.1% 9.2% 10.2% 10.4% 9.9% 10.6% 11.3% 12.1% 11.8% 12.3% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 2Q`26 Artea Swedbank SEB Luminor Other 6.6% 6.8% 7.1% 7.0% 7.1% 7.3% 7.3% 7.0% 7.0% 7.1% 37.2% 36.9% 36.8% 36.7% 36.8% 36.8% 37.0% 37.2% 37.2% 37.4% 27.0% 27.0% 26.8% 26.5% 26.3% 26.2% 26.1% 26.2% 26.0% 25.6% 29.2% 29.3% 29.3% 29.7% 29.8% 29.8% 29.6% 29.6% 29.8% 29.9% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 2Q`26 Artea Swedbank SEB Other 14.0% 14.1% 15.0% 14.5% 14.4% 14.2% 13.5% 13.0% 13.0% 13.4% 27.6% 27.0% 28.1% 28.0% 27.7% 27.5% 28.6% 29.6% 30.1% 29.6% 25.2% 25.8% 25.2% 24.8% 24.8% 25.2% 24.5% 23.3% 22.5% 22.7% 11.5% 11.1% 10.6% 10.6% 10.4% 9.9% 9.8% 9.5% 9.7% 9.4% 21.6% 22.0% 21.0% 22.0% 22.7% 23.2% 23.6% 24.6% 24.7% 24.9% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 2Q`26 Artea Swedbank SEB Luminor Other 10.5% 10.7% 11.2% 10.8% 10.8% 10.8% 10.5% 10.2% 10.2% 10.4% 30.6% 30.2% 30.6% 30.4% 30.3% 30.3% 30.8% 31.4% 31.6% 31.6% 24.0% 24.1% 23.8% 23.5% 23.6% 23.6% 23.2% 22.8% 22.4% 22.4% 15.2% 14.8% 14.6% 14.5% 14.4% 14.2% 14.1% 13.9% 14.1% 14.0% 19.7% 20.2% 19.9% 20.7% 20.9% 21.0% 21.4% 21.7% 21.7% 21.6% 1Q`24 2Q`24 3Q`24 4Q`24 1Q`25 2Q`25 3Q`25 4Q`25 1Q`26 2Q`26 Artea Swedbank SEB Luminor Other Artea Market Share Development Notes: (1) Market share statistics as of 2Q’26 excluding Revolut Source: Bank of Lithuania (BoL) and Lithuanian Banking Association (LBA) Loan Portfolio Market1 Corporate Lending1 Mortgage1 Deposits1 34
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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 35
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Source: EBA NPLs Lithuania’s Economy: Banking Sector Evolution Tier 1 Capital % Cost of Risk % Loan to Deposit Ratio % NIM % ROA % 36 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 Q2'26 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 Q2'26 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 Q2'26 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 Q2'26 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 Q2'26 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 Q2'26 EU LT
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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 37 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 (2025) Manufacturing, 14% Trade, 14% Transportation, 10% Professional, Scientific and Technical Activities, 8% Construction, 8% Real Estate, 7% Information and Communication, 6% Education, 6% Human Health and Social, 6% Financial Activities, 5% Agriculture, 2% Other, 14% 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 38
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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) 39 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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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 40
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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 41 Oleg Marofejev ▪ Chief Technology Officer Artea Bankas: 1 year Financial Industry: 22 years
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Board of Directors (Supervisory Council) 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 42
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Disclaimer General The material in this presentation has been prepared by AB Artea Bank (Artea) and solely for use in connection with 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.