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a Interim Information For the nine months period ended 30 September 2026

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CONTENTS FINANCIAL SUMMARY ...........................................................................................................................................................................................................................................3 ACTIVITY RESULTS ................................................................................................................................................................................................................................................4 REGARDING EXTERNAL ENVIRONMENT FACTORS .........................................................................................................................................................................................5 RATINGS ..................................................................................................................................................................................................................................................................5 RISK MANAGEMENT, COMPLIANCE WITH PRUDENTIAL REQUIREMENTS ....................................................................................................................................................5 AUTHORIZED CAPITAL, SHAREHOLDERS ..........................................................................................................................................................................................................5 DIVIDENDS ..............................................................................................................................................................................................................................................................7 AGREEMENTS WITH SECURITIES PUBLIC TRADING INTERMEDIARIES ........................................................................................................................................................8 EMPLOYEES ............................................................................................................................................................................................................................................................8 MANAGEMENT OF THE BANK ...............................................................................................................................................................................................................................8 COMPANIES COMPRISING GROUP .....................................................................................................................................................................................................................9 MANAGEMENT BOARD DECLARATION ............................................................................................................................................................................................................ 10 CONDENSED INTERIM FINANCIAL STATEMENT ............................................................................................................................................................................................. 11 THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF FINANCIAL POSITION ......................................................................................................................... 12 THE GROUP’S AND THE BANK’S CONDENSED INCOME STATEMENTS ...................................................................................................................................................... 13 THE GROUP’S AND THE BANK’S CONDENSED INCOME STATEMENTS FOR QUARTER .......................................................................................................................... 14 THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF COMPREHENSIVE INCOME .............................................................................................................. 15 THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF COMPREHENSIVE INCOME FOR QUARTER ................................................................................... 15 THE GROUP‘S CONDENSED STATEMENT OF CHANGES IN EQUITY .......................................................................................................................................................... 16 THE BANK’S CONDENSED STATEMENT OF CHANGES IN EQUITY .............................................................................................................................................................. 16 THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF CASH FLOWS ...................................................................................................................................... 17 GENERAL INFORMATION ................................................................................................................................................................................................................................... 18 NOTE 1 LOANS TO CUSTOMERS AND FINANCE LEASE RECEIVABLES .................................................................................................................................................... 19 NOTE 2 SECURITIES .......................................................................................................................................................................................................................................... 21 NOTE 3 SIGNIFICANT INFORMATION ON CHANGES IN OTHER ASSET ITEMS ......................................................................................................................................... 22 NOTE 4 DEPOSITS FROM CLIENTS ................................................................................................................................................................................................................. 23 NOTE 5 LIABILITIES RELATED TO INSURANCE ACTIVITIES ......................................................................................................................................................................... 24 NOTE 6 CAPITAL ................................................................................................................................................................................................................................................. 24 NOTE 7 NET INTEREST INCOME ...................................................................................................................................................................................................................... 25 NOTE 8 NET FEE AND COMMISSION INCOME ............................................................................................................................................................................................... 26 NOTE 9 OTHER OPERATING EXPENSES ........................................................................................................................................................................................................ 26 NOTE 10 IMPAIRMENT LOSSES ON LOANS AND OTHER ASSETS .............................................................................................................................................................. 27 NOTE 11 SIGNIFICANT INFORMATION ON OTHER INCOME STATEMENT ITEMS ..................................................................................................................................... 28 NOTE 12 RELATED-PARTY TRANSACTIONS .................................................................................................................................................................................................. 29 NOTE 13 LIQUIDITY, MARKET AND OPERATIONAL RISKS ........................................................................................................................................................................... 30 NOTE 14 FINANCIAL ASSETS AND LIABILITIES MEASURED AT FAIR VALUE ............................................................................................................................................ 31 NOTE 15 SEGMENT INFORMATION ................................................................................................................................................................................................................. 33 NOTE 16 SELECTED INFORMATION OF FINANCIAL GROUP ........................................................................................................................................................................ 34 NOTE 17 SUBSEQUENT EVENTS ..................................................................................................................................................................................................................... 36 CONFIRMATION FROM THE RESPONSIBLE PERSONS ................................................................................................................................................................................. 37

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Artea bankas FINANCIAL SUMMARY 30 SEPTEMBER 2026

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FINANCIAL SUMMARY 4 ACTIVITY RESULTS Profit. The Group earned a net profit of €27.9 million in the first nine months of this year Deposits. The deposit portfolio grew by 10% year-to-date, reaching €4.3 billion Loans. The loan portfolio exceeded €4.0 billion and increased by 8% year -to-date Revenue. Net interest income grew by 9% year-over-year to €113.7 million, while net service and fee income rose by 4% to €23.6 million Management Changes. Following approval from the ECB, a Chief Technology Officer (CTO) has joined the Management Board of Artea Bank. The bank's team has also been strengthened with new leadership in data, IT, risk, marketing and HR Share Buyback. Artea Bank received approval from the European Central Bank (ECB) to repurchase its own shares During the first nine months of 2026, the Artea Bank Group earned an unaudited net profit of €27.9 million. The bank’s core business indicators – the loan portfolio, customer deposits, and net interest income – all grew, while profit was impacted by additional impairment provisions and costs related to the ongoing restructuring. Net interest income increased by 9% year -to-date compared to the corresponding period in 2025, reaching €113.7 million, while net service and commission income rose by 4% to €23.6 million. This growth was driven by persistently high demand for financing: since the beginning of the year, new loan agreements totaling more than €1.3 billion have been signed – 1% more than a year ago, and the loan portfolio grew by 8% (€311 million) to exceed €4.0 billion. Customer deposits grew even more rapidly, with the deposit portfolio increasing by 10% (€391 million) year -to-date, exceeding €4.3 billion at the end of September. Demand deposits grew by 14% (€293 million) to exceed €2.3 billion, while time deposits increased by 5% (€98 million) to €2.0 billion. “Artea is entering a new phase of operations, with a greater focus on risk management, operational efficiency, and long -term resilience. The bank is systematically updating its organizational model, strengthening internal capabilities, and reducing its dependence on external service providers. We are purposefully strengthening the organization: we are refreshing the management team – experienced specialists in data, IT, risk, regulation, HR and business development have joined the bank. We are transferring critical IT competencies and responsibilities to the bank – this will allow us to strengthen control, make decisions faster and increase operational resilience. These changes will increase costs in the short term, but they represent an investment in a stronger, more efficient, and more sustainable Artea Bank,” says Tomas Varenbergas, acting CEO of Artea Bank. Operating expenses in Q3 2026 were driven up by costs related to restructuring, strengthening risk management, and the transition from external service providers to in-house teams and technological solutions. The Artea Bank Group’s cost -to-income ratio stood at 61.6% at the end of September (compared to 56.3% in the corresponding period of 2025). Loan impairment charges (excluding impairments of other assets and Pillar 2 -related charges) for the first 9 months totaled €6.3 million (compared to €4.0 million in the corresponding period of 2025). 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. The Cost-of-Risk (CoR) ratio stood at 0.22% at the end of September (0.15% at the end of September 2025). Due to these factors, the group’s net profit was 42% lower than a year ago. Operating profit before impairment and income tax decreased by 13% to €54.6 million (€62.7 million for the first nine months of 2025), while return on equity stood at 6.2% (11.1% a year ago). The bank’s capital and liquidity position remains stable and strong. All regulatory requirements and prudential ratios are met with a significant margin, ensuring resilience to market volatility: Total Capital Ratio (TCR) stood at 21.0%¹, and Liquidity Coverage Ratio (LCR) at 209%1 Overview of Business segments Corporate clients Business customer activity remains high – both the number of new customers and the volume of new business financing have increased. Since the beginning of the year, the volume of new busine ss financing agreements has reached €0.9 billion, a 15% increase compared to the same period last year. The total business loan portfolio exceeded €2.1 billion, growing by 11% year-to-date. The bank continues to consistently support the development of green energy infrastructure in Lithuania. In Q3 2026, Artea allocated €32.7 million for two new energy storage parks, with a combined capacity of 84 MW. The parks are currently under development. Energy storage capacity is an important part of the rapidly growing renewable energy system: it helps balance the elect ricity supply and increases the country’s energy resilience. Corporate banking also continues to successfully strengthen its position in a growing market. During the first half of 2026 the market share of Artea in corporate financing increased by 0.4 percentage points. This reflects the bank’s growing competitiveness and increasing confidence among corporate clients.. Private clients Daily banking services are gaining momentum. In the third quarter, the bank achieved a record result in attracting new retail customers: nearly 13 thousand new private clients joined Artea – twice as many as in the second quarter. This growth was driven by successful credit card and term deposit campaigns, as well as more effective cross- selling within the Artea Bank Group. Demand for mortgages remains high. The volume of new mortgage loan contracts grew by 2% to €70 million in Q3 and exceeded €0.2 billion since the beginning of the year. The mortgage portfolio increased by 11% (€111 million) over the first nine months, exceeding €1.1 billion. Consumer financing also grew steadily: since the beginning of the year, new consumer loan agreements totaling €0.2 billion have been signed, while the portfolio increased by 3% (€10 million) to €0.4 billion. In Q3 2026, participants of Pillar 2 pension funds of Artea submitted requests to withdraw €67 million. This was half the level recorded in Q2 and eight times lower than in Q1. Artea Asset Management once again stood out for its resilience in the market among other fund managers by retaining the relatively largest share of assets under management. The impact of redemptions was partly offset by strong investment management performance and contributions to Pillar 3 pension funds growing by €20 million. 1 Preliminary data

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FINANCIAL SUMMARY 5 REGARDING EXTERNAL ENVIRONMENT FACTORS The Bank constantly monitors the tense geopolitical situation to ensure timely assessment of the potential impact of russia's invasion of Ukraine, the conflicts in the Middle East or other geopolitical conflicts on its operations and the quality of its loan portfolio, taking into account the related risks to clients. The Bank does not carry out activities in russia, Belarus, Ukraine or the Middle East and does not have significant direct exposures in these countries. The Bank assesses the secondary risk arising from the potential insolvency of clients in Lithuania related to the geopolitical situation as low: the Bank's largest customers are aware of the potential threats, the Bank does not have significant debtors that would strongly depend on trade relations with Ukraine, russia, Belarus or the Middle East. In order to identify potential new risks in a timely manner, the Bank applies internal procedures, monitors early warning indicators (EWIs) for clients whose activities through supply, sales or ownership structures are moderately or more dependent on the geopolitical environment, and when risks increase significantly, adds clients to the monitoring list, apply enhanced supervision and approve risk mitigation action plans. The greatest uncertainty and potential negative impacts arise from the tertiary impact – the impact of geopolitical factors on the wider economy. Scenario analysis and stress testing show that the Bank's capital position remains robust and capable of withstanding severe economic disruptions. Bank's enhanced monitoring includes not only credit risk, but also liquidity (no ongoing significant negative impacts identified), business continuity and IT security (updated plans, enhanced cyber security measures and ongoing testing), as well as sanctio ns compliance processes, which are subject to ongoing review amidst evolving international sanctions packages and can sometimes lead to longer execution time of operations. The Bank has no direct investments in russia , Belarus, Ukraine or the Middle East, and the open currency position in these jurisdictions is negligible. The Bank also closely monitors other geopolitical trends and stands ready to take immediate action in the event of significant developments. RATINGS On 21 April 2026, the international rating agency Moody’s Ratings (Moody’s) upgraded AB Artea bankas long-term deposit rating from Baa1 to A3 and revised the outlook from stable to positive. Moody's also revised the outlook on AB Artea bankas senior unsecured debt rating from stable to positive, while affirming the Baa1 rating. Regarding stable financial outlook in Lithuania Moody’s also affirmed baa3 Baseline Credit Assessment (BCA), A3/P -2 long and short -term Counterparty Risk Ratings (CRR), and A3(cr)/P-2(cr) long and short-term Counterparty Risk Assessments (CRA). RISK MANAGEMENT, COMPLIANCE WITH PRUDENTIAL REQUIREMENTS High operational efficiency is maintained. Capital and liquidity position remain robust - prudential requirements are implemented with adequate reserve. According to the data as of 30 September 2026 the Bank complied with all the prudential requirements set out by the supervisory authority. The main financial indicators of the Group: 2022.12.31 2023.12.31 2024.12.31 2025.06.30 2025.12.31 2026.06.30 2026.09.30 ROAA, % 1.7 1.7 1.6 1.2 1.1 0.8 0.6 ROAE, % 16.1 15.5 14.0 11.1 10.4 7.8 6.2 Cost to income ratio, % 41.7 43.5 47.1 55.2 58.8 56.8 61.6 Loan to deposit ratio, % 94.6 92.7 101.1 104.0 93.8 97.6 92.5 Net Interest Margin % 3.2 4.1 3.7 2.9 2.6 2.4 2.8 At the end of Q3 2026 were effective MREL requirements determined in January, 2026 at Financial group level, which is valid since January: • The minimum requirement for own funds and eligible liabilities of the resolution entity with which the Financial group shall comply is 23.59% of total risk exposure (MREL-TREA) and 7.42% of leverage ratio exposure (MREL -LRE); • Subordinated instruments shall comprise 13.50% of total risk exposure (MREL- TREA, subordinated) and 7.42% of leverage ratio exposures (MREL -LRE, subordinated) Data on indicators are also available on Artea Bankas website: on operating profitability indicators: Homepage › Bank Investors › Financial Information › Profitability Ratios prudential requirements: Homepage › Bank Investors › Financial Information › Prudential Standards The description of alternative performance indicators: Homepage › Bank Investors › Financial Information › Alternative Performance Measures AUTHORIZED CAPITAL, SHAREHOLDERS The rights granted by the Bank's shares are specified in the Bank's Articles of Association, which are available on the Bank's website. Homepage › About Us › Important Documents As of 30 September 2026, the number of shareholders of the Bank was 21,252 (30 September 2025 – 20,511). More detailed information about capital is provided in Note 6 to the Financial Statements. The change in share capital is presented below . Authorized capital: 2015.09.14 2016.05.26 2017.06.06 2018.06.01 2018.12.13 2023.12.15 2025.08.13 Capital, EUR 91,226 109,472 131,366 157,639 174,211 192,269 189,196

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FINANCIAL SUMMARY 6 A breakdown by type and residency as at the end of the reporting period is presented below: Shareholders owning more than 5% of the Bank‘s shares and votes as of 30 September 2026: Share of shares and votes, % Invalda INVL AB, c.c. 121304349 19.94 Tesonet Global, UAB, c.c.. 305475420 9.86 EBRD, LEI code 549300HTGDOVDU60GK19 7.37 UAB Willgrow, c.c.. 302489393 6.59 Algirdas Butkus 5.48* Gintaras Kateiva 5.06** * Votes are counted together with controlled companies: UAB Prekybos namai "AIVA", tax number 144031190 – 1.84%, UAB "Mintaka", tax number 144725916 – 0.81%. ** Votes are counted together with spouses. Securities transfer restrictions apply. For employees who are granted Bank shares as part of their annual variable remuneration, the shares received have a retention period. The shares may be transferred, pledged or otherwise disposed of only one year after their grant. Information on shares: On 12 March 2026, the Bank received a notification from UAB “Tesonet Global” (“Tesonet Global”) regarding its intention to increase its holding in the Bank to 31.68% of the Bank’s shares (including the shareholding currently owned by Tesonet Global). To achieve this objective, Tesonet Global entered into the transactions specified below. On March 12, 2026, Tesonet Global executed and closed the share sale -purchase agreement with Willgrow UAB (“Willgrow”), acquiring a 2.52% stake in the Bank at a purchase price of EUR 1.1012 per share. This initial transaction brings Tesonet Global's current post-closing ownership to 9.86%. On the same date, Tesonet Global also signed conditional agreements to acquire additional shares in Artea Bankas from multiple existing shareholders. These include agreements to acquire all shares held by Willgrow (representing the remaining 6.59% stake in the Bank), Algirdas Butkus (including related parties, in total holding 5.48% of shares in the Bank), Darius Vyšniauskas (including related parties, in total holding 2.33% of shares in the Bank) and Arvydas Salda ( including related parties, in total holding 1.59% of shares in the Bank), and part of shares in the Bank from Gintaras Kateiva (including related parties, selling 4.60% of its shares in the Bank) and from AB “Invalda INVL” (selling 1.22% of its shares in the Bank from its total 19.94% stake). The purchase price will be determined at closing based on the Bank's most recently disclosed book value per share, multiplied (i) by the number of shares sold by each respective shareholder and (ii) by a coefficient of 1.2x, as set forth in the agreements. The acquisition of the shares will be executed through a series of transactions and will be subject to regulatory and other necessary approvals (e.g., approvals from the European Central Bank, the Bank of Lithuania, etc.). Tesonet Global aims to complete the transactions under conditional agreements until the end of the first quarter of 2027. Additionally, Tesonet Global announced its intention to apply for regulatory clearance from the European Central Bank to ultimately acquire a controlling stake in the Bank. Subject to receiving this approval, Tesonet Global will evaluate further market transactions to achieve a controlling shareholding. 2022.12.31 2023.12.31 2024.12.31 2025.06.30 2025.12.31 2026.06.30 2026.09.30 Capitalization, m EUR 412.1 459.5 546.3 566.9 614.6 569.5 587.2 Turnover, m Eur 101.9 52.0 53.1 26.8 87.7 27.8 42.7 Share price on the last trading session day 0.686 0.693 0.824 0.855 0.942 0.873 0.900 Lowest share price during the reporting period 0.515 0.607 0.667 0.818 0.791 0.853 0.853 Highest share price during the reporting period 0.792 0.750 0.832 1.000 1.000 0.967 0.967 Average share price during the reporting period 0.623 0.667 0.730 0.904 0.871 0.916 0.906 Share book value 0.739 0.822 0.885 0.870 0.927 0.920 0.920 P/BV 0.93 0.84 0.93 0.98 1.02 0.95 0.98 P/E 6.1 6.1 6.9 8.9 10.1 12.3 15.8 * description of indicators is provided on the Bank's website: Homepage › Bank Investors › Financial Information › Alternative Performance Measures Legal entities 63.43% Individuals 36.57% Shareholders by type LT investors 75.90% Foreign investors 24.10% Shareholders by residence

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FINANCIAL SUMMARY 7 Turnover and price of the Bank's shares during 2023 - 2026: The Bank’s shares are listed on a regulated market. They are traded on the Nasdaq Baltic market, and the shares are included in the Official List. As one of the most actively traded shares in the Baltic market, the Bank’s shares are included in the Nasdaq indices: • OMX Baltic Benchmark (OMXBBGI, OMXBBPI) – a Baltic comparative index composed of the largest capitalization and most liquid shares from all sectors traded on the Nasdaq Baltic stock exchanges; • OMX Baltic 10 (OMXB10) – a Baltic trading index composed of the 10 most liquid shares listed on the Baltic stock exchanges; • OMX Baltic (OMXBBGI, OMXBBPI) – a Baltic index including companies listed on the Official and Supplementary lists of all Baltic stock exchanges, excluding companies where a single shareholder owns 90% or more of the shares; • OMX Vilnius (VILSE Index) – a Vilnius index composed of all shares listed on the Official and Supplementary lists of the Vilnius stock exchange, excluding companies where a single shareholder owns 90% or more of issued shares; • OMX Baltic Financials (B8000GI, B8000PI, B40PI) – a Baltic index for financial institutions; • OMX Baltic Banks (B8300GI, B8300PI) – a Baltic banking index. Total return indices (GI) show the overall return of the included shares , reflecting not only changes in share prices but also paid dividends. These indices are therefore considered a more comprehensive measure of market performance than price indices. Price indices (PI) reflect only changes in the prices of shares included in the index, excluding dividends. For capped indices (CAP), a maximum allowable weight is set for constituent shares; if this limit is exceeded, the number of shares included in the index is reduced to the allowed cap. In addition, the Bank’s issued shares are included in the following indices: STOXX All Europe Total Market, STOXX EU Enlarged TMI, STOXX Eastern Europe 300, STOXX Eastern Europe 300 Banks, STOXX Eastern Europe Mid 100, STOXX Eastern Europe TMI, STOXX Easte rn Europe TMI Small, STOXX Global Total Market, STOXX Lithuania Total Market, Bloomberg ESG Data Index, Bloomberg ESG Coverage Index, S&P Frontier BMI Index, MSCI Frontier and Emerging Markets Select Index, FCI EMU MIDSMALLCAP MKTCAP -CONSTRAINED (FREE -FLOAT UNADJUSTED) 400 (NET) Index, and several FTSE Russell Frontier indices. DIVIDENDS On 31 March 2026 ordinary general meeting of shareholders made a decision to pay EUR 0.047 dividends per one ordinary registered share with EUR 0.29 nominal value each. On 31 March 2025 ordinary general meeting of shareholders made a decision to pay EUR 0.061 dividends per one ordinary registered share with EUR 0.29 nominal value each. Information on the dividends paid: The year for which dividends are declared and paid 2021 2022 2023 2024 2025 Per cent from nominal value 11.72 9.14 16.72 21.03 16.21 Dividend amount per share, Eur 0.034 0.027 0.049 0.06 0.047 Dividend amount, Eur 20,424,693 15,919,246 32,094,273 39,796,332 30,394,000 Yields from dividends, % 4.5 3.9 7.0 7.4 5.0 Dividends to Group net profit, per cent 37.0 25.0 37.3 50.5 52.2 The description of alternative performance indicators is available on the Bank's website at: Homepage › Bank Investors › Financial Information › Alternative Performance Measures - 500 000 1000 000 1500 000 2000 000 2500 000 0.85 0.95 1.05 1.15 1.25 1.35 1.45 1.55 Apyvarta mEUR ROE1L OMXBBPI

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FINANCIAL SUMMARY 8 AGREEMENTS WITH SECURITIES PUBLIC TRADING INTERMEDIARIES Agreements with public circulation intermediaries regarding the accounting of securities issued by the Bank are not concluded. This accounting is made by the Bank’s Financial Markets accounting unit. The Bank has not entered into market - making agreements with respect to securities issued by the Bank. According to data as of 30 September 2026 the Bank itself, as an intermediary of public trading, under agreements with the companies issuing securities conducting accounting of 804 companies which totaled 1,104 securities issues (including shares of public and private companies, debt securities, investment fund units). The Bank also conducts market making on the Nasdaq Baltic under a market making program and under agreements with issuers. As of the end of third quarter of 2026, the Bank was the market maker of 4 securities issues. EMPLOYEES On 30 September 2026, the Bank employed 1,1 97 people, and the Group employed 1,336 people (working under fixed -term and permanent employment contracts, including employees on maternity and childcare leave). On 30 September 2025 the Bank employed 1,1 30 people, and the Group employed 1,277 people. MANAGEMENT OF THE BANK The Management Board bodies of the Bank are as follows: the General Meeting of the Shareholders of the Bank, Supervisory Council of the Bank, Management Board of the Bank and Chief Executive Officer (CEO). Term of office of the current Supervisory Council of the Bank 2024 – 2028. On March 2026, Eglė Eidimtaitė was elected as a member of the Bank’s Supervisory Council by a resolution of the Bank's General Meeting of Shareholders. She will commence her duties upon receiving permission from the Bank’s supervisory authority. At the General Meeting of Shareholders held on 31 March 2026, a decision was made to remove Mindaugas Raila from the Bank’s Supervisory Council. The resolution stipulates that the date of removal of Supervisory Council member Mindaugas Raila shall be the day when the newly elected member, Eglė Eidimtaitė, receives permission from the supervisory authority to hold the position of member of the Supervisory Council. On 14 May 2026, the Supervisory Council oft he Bank elected Rimvydas Mockus and Oleg Marofejev as new members of the Bank's Management Board, who will take up their duties as members of the Management Board subject to the approval of the supervisory authority. Subject to the authorization received from the European Central Bank, Oleg Marofejev is deemed to be holding the position of Management Board member as of 10 September 2026. The Bank’s Supervisory Council, whose term of office expires on the day of the Ordinary General Meeting of Shareholders of th e Bank in 2028, composition and other information for 2026.09.30 date was: Name, Surname Duties at the Supervisory Council Share of capital under the right of ownership, % Share of votes together with the related persons, % Valdas Vitkauskas Independent member since 2022 Chair since 2022.08.05 - - Gintaras Kateiva Member since 2008 5.04 5.06* Darius Šulnis Member since 2016 - 19.94** Ulrik Lackschewitz Independent member since 2026 - - Tomas Okmanas Independent member since 2023 - 9.86*** Mindaugas Raila Member since 2023 - 6.59**** Monika Nachyła Independent member since 2024 - - John Michael Denhof Independent member since 2025 - * Pursuant to the Law on Securities of the Republic of Lithuania, votes are counted together with the votes held by the spouse ** Mr. Šulnis is the CEO and indirect shareholder of Invalda INVL AB. Under the right of ownership Invalda INVL AB holds 19.94% of the shares and voting rights of ArteaBankas AB. *** Mr. Okmanas is member of the Management Board, CEO and indirect shareholder of Tesonet Global UAB, which owns 9.86% of Artea bankas AB shares and voting rights **** Pursuant to the Law on Securities of the Republic of Lithuania, votes are counted together with the votes held by the controlled company Willgrow UAB The Bank’s Management Board, whose term of office expires on the day of the Ordinary General Meeting of Shareholders of the B ank in 2028, composition and other information for 2026.09.30 date was: Name, Surname Duties at the Board Other current leading positions at the Bank Share of capital under the right of ownership, % Share of votes together with the related persons, % Algimantas Gaulia Member since 2021 Head of Risk Management Division 0.03 0.03 Tomas Varenbergas Member since 2024 Chair since 2026.07.10 Acting Chief Executive Officer 0.02 0.02 Laura Križinauskienė Member since 2024 Head of Private Clients Division - - Aurelija Geležiūnė Member since 2025 Head of Legal, Compliance and Prevention Division 0.05 0.05 Oleg Marofejev Member since 2026 Head of Information Technology and Data Division - -

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FINANCIAL SUMMARY 9 COMPANIES COMPRISING GROUP Nature of activities Registration date Company code Address e- mail, website Artea Bankas AB commercial banking 1992.02.04 112025254 Tilžės str.149 LT-76348 Šiauliai info@artea.lt, www.artea.lt The Bank directly controls the following subsidiaries Nature of activities Registration date Company code Address Website UAB Artea lizingas finance lease, consumer credits. 1997.07.14 234995490 Karaliaus Mindaugo pr. 35, LT-44307 Kaunas www.artea.lt UAB Artea turto fondas real estate management 2002.08.13 145855439 Konstitucijos pr. 14A, LT-09308 Vilnius UAB Artea Life Insurance life insurance 2000.08.31 110081788 Konstitucijos pr. 14A, LT-09308 Vilnius UAB Artea Retrofit Fund 1* multi-apartment renovation financing 2022.04.05 306057616 Tilžės g. 149 LT-76348 Šiauliai UAB Artea Asset Management fund management 2023.02.07 306241274 Konstitucijos pr. 14A, LT-09308 Vilnius UAB Artea Retrofit Fund 2* multi-apartmen renovation financing 2024.02.21 306682354 Tilžės g. 149 LT-76348 Šiauliai *not consolidated under IFRS 10 requirements OTHER INFORMATION, PUBLISHED INFORMATION AND MAJOR EVENTS TRANSACTIONS WITH RELATING PARTIES Information on these transactions with related parties is provided in note 12. INFORMATION ON SANCTIONS IMPOSED During third quarter of 2026, neither Artea Bankas nor the Group companies were subject to any sanctions. INFORMATION ON RESEARCH AND DEVELOPMENT ACTIVITIES The Bank is continuously investing and exploring opportunities to support expansion and enhance operational efficiency. The Bank does not perform research activities. The most significant development at this time is the ongoing change of the Bank’s core ba nking system, which is expected to further strengthen operational capabilities and support future growth. INFORMATION ABOUT HARMFUL TRANSACTIONS During the reporting period, no harmful transactions that were not in accordance with the Bank's objectives, normal market conditions, harming the interests of shareholders or other groups of persons and which had or could have a negative impact on the Bank's activities or results of operations were concluded. There were also no transactions where the Bank's executives, controlling shareholders or other related parties, would have been in a conflict of interest due to their different duties to the Bank and their private interests and / or duties. REPORTS ON MATERAIL EVENTS In accordance with the procedures set by the Charter of the Bank and the legal acts of the Republic of Lithuania reports on material events are announced in the Central regulated information base and on the Bank‘s website at: Homepage › Bank Investors › Reports on Stock Events Other important events are available on the Bank’s website at: Homepage › About Us › News

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MANAGEMENT BOARD DECLARATION The Management has prepared the financial summary and the condensed interim financial statements of Artea for the nine-month period ended 30 September 2026 . The Management Board confirms that, to the best of its knowledge, the condensed interim financial statements of Artea for th e nine - month period ended 30 September 2026 prepared in accordance with applicable international financial reporting standards as adopted by the European Union, give a true and fair view of the assets, liabilities, financial position and financial performance of Artea and its consolidated entities taken as a whole. The 2026 first three quarters interim report has been approved by the Management Board on 28 October 2026. Acting Chief Executive Officer Tomas Varenbergas

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CONDENSED INTERIM FINANCIAL STATEMENT THE NINE-MONTH PERIOD ENDED 30 SEPTEMBER 2026

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 12 THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF FINANCIAL POSITION 30 September 2026 31 December 2025 Notes Group Bank Group Bank ASSETS Cash and cash equivalents 621,128 613,929 390,057 383,623 Securities in the trading book 2 9,146 8,651 11,031 10,038 Due from other banks 20,094 20,092 9,035 9,035 Derivative financial instruments 804 804 164 151 Loans to customers 1 4,024,258 4,004,752 3,713,724 3,691,955 Investment securities at fair value 2 488,718 227,293 504,696 254,974 Investment securities at amortized cost 2 1,226,544 1,218,669 1,356,852 1,348,506 Investments in subsidiaries and associates 2 200 76,178 270 96,929 Intangible assets 10 27,280 5,633 40,560 6,498 Property, plant and equipment 3 31,709 31,385 15,495 15,183 Current income tax prepayment 3,675 3,237 7,885 7,842 Deferred income tax asset 5,980 1,835 6,460 2,340 Other assets 3 22,488 20,102 19,241 16,953 Total assets 6,482,024 6,232,560 6,075,470 5,844,027 LIABILITIES Due to other banks and financial institutions 151,956 152,850 197,210 198,266 Derivative financial instruments 16,767 16,767 3,326 3,326 Due to customers 4 4,352,211 4,352,971 3,961,201 3,961,981 Debt securities in issue 1,039,828 1,039,828 1,034,463 1,034,463 Current income tax liabilities 1,399 - 967 - Deferred income tax liabilities 4,499 - 6,485 - Liabilities related to insurance activities 5 234,185 - 212,910 - Other liabilities 80,963 68,388 55,851 41,269 Total liabilities 5,881,808 5,630,804 5,472,413 5,239,305 EQUITY Share capital 6 189,196 189,196 189,196 189,196 Share premium 6 25,534 25,534 25,534 25,534 Treasury shares (-) 6 (4,657) (4,657) (4,967) (4,967) Reserve capital 6 756 756 756 756 Statutory reserve 6 92,137 91,174 76,516 76,000 Reserve for acquisition of own shares 6 20,000 20,000 20,000 20,000 Revaluation reserve (1,105) (1,105) (608) (608) Other equity 6 1,467 1,049 1,627 1,201 Retained earnings 276,888 279,809 295,003 297,610 Non-controlling interest - - - - Total equity 600,216 601,756 603,057 604,722 Total liabilities and equity 6,482,024 6,232,560 6,075,470 5,844,027 The accounting policies and notes on pages 18 to 36 constitute an integral part of these financial statements. Acting Chief Executive Officer Tomas Varenbergas Acting Chief Financial Officer Paulius Daukša 28 October 2026

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 13 THE GROUP’S AND THE BANK’S CONDENSED INCOME STATEMENTS 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Notes Group Bank Group Bank Continuing operations Interest revenue calculated using the effective interest method 7 181,339 165,487 165,909 151,491 Other similar income 7 17,517 16,052 17,392 16,302 Interest expense and similar charges 7 (85,182) (85,193) (78,970) (79,001) Net interest income 113,674 96,346 104,331 88,793 Fee and commission income 8 30,371 25,278 29,988 24,671 Fee and commission expense 8 (6,802) (6,151) (7,268) (6,510) Net fee and commission income 23,569 19,127 22,721 18,161 Insurance net gain from trading 11 19,603 - 4,199 - Revenue related to insurance (incl. interest) 11 12,026 - 11,054 - Expenses related to insurance activities 11 (26,838) - (10,426) - Net income (expenses) from Insurance activity 4,791 - 4,827 - Net gain (loss) from derecognition of financial assets 176 6 3,747 3,800 Net gain from trading activities (excl. Insurance) 11 (284) 206 7,155 7,095 Other operating income 350 672 513 1,151 Net income 142,276 116,357 143,293 118,999 Salaries and related expenses (44,441) (40,187) (40,316) (35,814) Depreciation and amortization expenses (5,830) (4,819) (6,000) (4,821) Other operating expenses 9 (37,415) (33,201) (34,314) (30,119) Operating profit before impairment losses 54,590 38,150 62,663 48,245 Allowance for impairment losses on loans and other assets 10 (18,413) (5,418) (3,211) (905) Share of the profit or loss of investments in subsidaries accounted for using the equity method 12 (176) 2,642 - 10,003 Profit from continuing operations before income tax 36,001 35,374 59,452 57,343 Income tax expense (8,086) (7,607) (11,086) (9,232) Net profit from continuing operations for the period 27,915 27,767 48,366 48,111 Profit (loss) from discontinued operations, net of tax - - - - Net profit for the period 27,915 27,767 48,366 48,111 Net profit attributable to: Owners of the Bank 27,915 27,767 48,366 48,111 From continuing operations 27,915 27,767 48,366 48,111 From discontinued operations - - - - Non-controlling interest - - - - Basic earnings per share (in EUR per share) attributable to owners of the Bank 0.04 - 0.05 - Diluted earnings per share (in EUR per share) attributable to owners of the Bank 0.04 - 0.05 - The accounting policies and notes on pages 18 to 36 constitute an integral part of these financial statements.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 14 THE GROUP’S AND THE BANK’S CONDENSED INCOME STATEMENTS FOR QUARTER 2026.07.01 - 2026.09.30 2025.07.01 - 2025.09.30 Group Bank Group Bank Interest revenue calculated using the effective interest method 64,136 58,597 55,579 50,317 Other similar income 6,163 5,660 5,793 5,359 Interest expense and similar charges (29,165) (29,170) (25,402) (25,402) Net interest income 41,134 35,087 35,916 30,274 Fee and commission income 10,113 8,282 10,263 8,391 Fee and commission expense (2,567) (2,411) (2,658) (2,417) Net fee and commission income 7,546 5,871 7,605 5,974 Insurance net gain from trading 1,757 - 4,950 - Revenue related to insurance (incl. interest) 4,641 - 3,644 - Expenses related to insurance activities (4,337) - (6,957) - Net income (expenses) from Insurance activity 2,061 - 1,637 - Net gain (loss) from derecognition of financial assets 21 - (9) 1 Net gain from trading activities (excl. Insurance) (2,581) (1,840) 2,074 2,031 Other operating income 109 278 222 656 Net income 48,290 39,396 47,445 38,963 Salaries and related expenses (15,707) (14,347) (12,695) (11,231) Depreciation and amortization expenses (1,961) (1,694) (1,595) (1,203) Other operating expenses (16,672) (15,012) (13,415) (12,465) Operating profit before impairment losses 13,950 8,343 19,740 14,037 Allowance for impairment losses on loans and other assets (8,076) (6,182) 568 1,474 Share of the profit or loss of investments in subsidiaries accounted for using the equity method - 2,572 - 4,160 Profit from continuing operations before income tax 5,874 4,733 20,308 19,671 Income tax expense (1,141) (553) (3,841) (3,130) Net profit from continuing operations for the period 4,733 4,180 16,467 16,541 Profit (loss) from discontinued operations, net of tax - - - - Net profit for the year 4,733 4,180 16,467 16,541 Net profit attributable to: Owners of the Bank 4,733 4,180 16,467 16,541 From continuing operations 4,733 4,180 16,467 16,541 From discontinued operations - - - - Non-controlling interest - - - - The accounting policies and notes on pages 18 to 36 constitute an integral part of these financial statements.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 15 THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF COMPREHENSIVE INCOME 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Net profit for the period 27,915 27,767 48,366 48,111 Other comprehensive income Items that may be subsequently reclassified to profit or loss: Gain from revaluation of financial assets (622) (622) 964 964 Buildings revaluation reserve (12) (12) - - Deferred income tax on gain from revaluation of financial assets 137 137 (165) (165) Items that may not be subsequently reclassified to profit or loss: Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk - - - - Other comprehensive income, net of deferred tax (497) (497) 799 799 Total comprehensive income for the period 27,418 27,270 49,165 48,910 Total comprehensive income (loss) attributable to: Owners of the (Bank): 27,418 27,270 49,165 48,910 Non-controlling interest - - - - THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF COMPREHENSIVE INCOME FOR QUARTER 2026.07.01 - 2026.09.30 2025.07.01 - 2025.09.30 Group Bank Group Bank Net profit for the period 4,733 4,180 16,467 16,541 Other comprehensive income Items that may be subsequently reclassified to profit or loss: Gain from revaluation of financial assets 393 393 231 231 Buildings revaluation reserve: - - - - Deferred income tax on gain from revaluation of financial assets (87) (87) (49) (49) Items that may not be subsequently reclassified to profit or loss: Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk - - - - Other comprehensive income, net of deferred tax 306 306 182 182 Total comprehensive income for the period 5,039 4,486 16,649 16,723 Total comprehensive income (loss) attributable to: Owners of the Bank 5,039 4,486 16,649 16,723 Non-controlling interest - - - - The accounting policies and notes on pages 18 to 36 constitute an integral part of these financial statements.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 16 THE GROUP‘S CONDENSED STATEMENT OF CHANGES IN EQUITY Share capital Share premium Treasury shares Reserve capital Revaluation reserve Statutory reserve Reserve for acquisition of own shares Other equity Retained earnings Total 1 January 2025 192,269 25,534 (8,375) 756 (2,989) 61,025 20,000 1,480 295,472 585,172 Transfer to statutory reserve - - - - - 15,491 - - (15,491) - Increase (decrease) in share capital (3,073) - 8,941 - - - - - (5,868) - Acquisition of own shares - - (4,016) - - - - - - (4,016) Share-based payment - - 1,307 - - - - 147 - 1,454 Payment of dividends - - - - - - - - (39,796) (39,796) Total comprehensive income - - - - 799 - - - 48,366 49,165 30 September 2025 189,196 25,534 (2,143) 756 (2,190) 76,516 20,000 1,627 282,683 591,979 Transfer to statutory reserve - - - - - - - - - - Increase (decrease) in share capital - - - - - - - - - - Acquisition of own shares - - (2,824) - - - - - - (2,824) Share-based payment - - - - - - - - - - Payment of dividends - - - - - - - - - - Total comprehensive income - - - - 1,582 - - - 12,320 13,902 31 December 2025 189,196 25,534 (4,967) 756 (608) 76,516 20,000 1,627 295,003 603,057 Transfer to statutory reserve - - - - - 15,636 - - (15,636) - Increase (decrease) in share capital - - - - - - - - - - Acquisition of own shares - - (705) - - - - - - (705) Other changes in equity - - 1,015 - - (15) - (160) - 840 Share-based payment - - - - - - - - - - Payment of dividends - - - - - - - - (30,394) (30,394) Total comprehensive income - - - - (497) - - - 27,915 27,418 30 September 2026 189,196 25,534 (4,657) 756 (1,105) 92,137 20,000 1,467 276,888 600,216 THE BANK’S CONDENSED STATEMENT OF CHANGES IN EQUITY Share capital Share premium Treasury shares Reserve capital Revaluation reserve Statutory reserve Reserve for acquisition of own shares Other equity Retained earnings Total 1 January 2025 192,269 25,534 (8,375) 756 (2,989) 60,805 20,000 1,019 297,985 587,004 Transfer to statutory reserve - - - - - 15,195 - - (15,195) - Increase (decrease) in share capital (3,073) - 8,941 - - - - - (5,868) - Acquisition of own shares - - (4,016) - - - - - - (4,016) Share-based payment - - 1,307 - - - - 182 - 1,489 Payment of dividends - - - - - - - - (39,796) (39,796) Total comprehensive income - - - - 799 - - - 48,111 48,910 30 September 2025 189,196 25,534 (2,143) 756 (2,190) 76,000 20,000 1,201 285,237 593,591 Transfer to statutory reserve - - - - - - - - - - Increase (decrease) in share capital - - - - - - - - - - Acquisition of own shares - - (2,824) - - - - - - (2,824) Share-based payment - - - - - - - - - - Payment of dividends - - - - - - - - - - Total comprehensive income - - - - 1,582 - - - 12,373 13,955 31 December 2025 189,196 25,534 (4,967) 756 (608) 76,000 20,000 1,201 297,610 604,722 Transfer to statutory reserve - - - - - 15,174 - - (15,174) - Increase (decrease) in share capital - - - - - - - - - - Acquisition of own shares - - (705) - - - - - - (705) Other changes in equity - - 1,015 - - - - (152) - 863 Share-based payment - - - - - - - - - - Payment of dividends - - - - - - - - (30,394) (30,394) Total comprehensive income - - - - (497) - - - 27,767 27,270 30 September 2026 189,196 25,534 (4,657) 756 (1,105) 91,174 20,000 1,049 279,809 601,756 The accounting policies and notes on pages 18 to 36 constitute an integral part of these financial statements.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 17 THE GROUP’S AND THE BANK’S CONDENSED STATEMENTS OF CASH FLOWS Notes 30 September 2026 30 September 2025 Group Bank Group Bank Operating activities Interest received on loans and advances 190,850 173,952 173,315 160,316 Interest received on debt securities at fair value through profit or loss 934 515 1,160 890 Interest paid (61,918) (61,929) (62,740) (62,772) Fees and commissions received 30 371 25 278 29,988 24,671 Fees and commissions paid (6 802) (6 151) (7,268) (6,510) Net cash inflows from trade in securities at fair value through profit or loss (1,735) (960) 7,587 861 Net inflows from foreign exchange operations 2,873 2,868 2,796 2,821 Inflows from derecognition of financial assets 176 6 3,747 3,800 Net gain from disposal of tangible assets 215 197 168 91 Cash inflows related to other activities of Group companies and the Bank 12,376 475 11,404 1,004 Cash outflows related to other activities of Group companies and the Bank (19,956) - (10,426) - Recoveries on loans previously written off 709 55 163 147 Salaries and related payments to and on behalf of employees (45,889) (41,635) (43,212) (38,710) Net operating other cost payment (37,415) (33,201) (34,314) (30,119) Income tax paid (12,908) (10,001) (11,086) (9,232) Net cash flow from operating activities before change in operating assets and liabilities 51,881 49,469 61,282 47,258 Change in operating assets and liabilities: Loans to credit and financial institutions decrease (increase) (11,059) (11,057) (743) (743) Loans to customers (increase) (316,357) (316,785) (290,293) (284,685) Decrease in other assets (increase) (16,769) (3,061) (4,102) (4,263) Increase (decrease) in amounts due to credit and Financial institutions ( increase) (45,154) (45,316) (43,254) (43,286) Increase (decrease) in due to customers (increase) 395,808 395,788 369,767 364,901 Increase (decrease) in other liabilities (increase) 13,631 17,642 9,601 20,322 Change 20,100 37,211 40,976 52,246 Net cash flow from (used in) from operating activities 71,981 86,680 102,258 99,504 Investing activities Acquisition of property, plant and equipment, investment property and intangible assets (4,811) (4,207) (1,864) (1,651) Disposal of property, plant and equipment, investment property and intangible assets 932 370 532 528 Acquisition of debt securities at amortized cost (50,435) (50,435) (730,957) (681,022) Sale or redemption of debt securities at amortized cost 221,300 182,530 554,161 508,250 Interest received on debt instruments at amortized cost 18,798 18,798 2,857 1,700 Sale or redemption of securities held for sale 26,173 26,173 7,480 7,480 Interest and dividends received on investment securities at fair value 2,732 25,952 357 290 Net increase (decrease) in investments in subsidiaries 7 (106) (106) - - Net cash flow from (used in) investing activities 214,583 199,075 (167,434) (164,425) Financing activities Payment of dividends (30,394) (30,394) (39,991) (39,991) Acquisition of own shares (705) (705) (4,540) (4,540) Interest payment for issued of debt securities (22,797) (22,797) (19,657) (19,657) Issue of debt securities - - 300,000 300,000 Redeemable debt securities - - (20,000) (20,000) Principal elements of lease payments (1,597) (1,553) (1,445) (1,255) Net cash flow (used in) financing activities (55,493) (55,449) 214,367 214,557 Net increase (decrease) in cash and cash equivalents 231,071 230,306 149,191 149,636 Cash and cash equivalents at 31 December 390,057 383,623 395,136 386,365 Cash and cash equivalents at 30 September 621,128 613,929 544,327 536,001 The accounting policies and notes on pages 18 to 36 constitute an integral part of these financial statements.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 18 GENERAL INFORMATION AB Artea Bankas was registered as a public company in the Enterprise Register of the Republic of Lithuania on 4 February 1992. The Bank is licensed by the Bank of Lithuania to perform all banking operations provided for in the Law on Banks of the Republic of Lithu ania and the Charter of the Bank. In this document Artea AB is referred to as the Bank, Artea AB and its subsidiaries - the Group. On May 5, 2025, the bank changed its name from AB Šiaulių bankas to AB Artea bank. The brand update reflects the strategic direction and goal of becoming the leading bank in Lithuania by 2029. The Head Office of the Bank is located in Šiauliai, Tilžės str. 149, LT -76348. At the end of the reporting period the Bank had 4 5 customer service outlets ( 31 December 2025: 52 outlets). The Bank accepts deposits, issues loans, makes money transfers and documentary settlements, exchanges currencies for its clients, issues and processes debit and credit cards, is engaged in trade finance and is investing and trading in securities, as well as performs other activities set forth in the Law on Banks of the Republic of Lithuania and the Charter of the Bank. Subsidiary companies of the Group perform consumer financing, life insurance and real estate management activities. The Bank’s shares are listed on the Baltic Main List of the Nasdaq Stock Exchange. This condensed interim financial information for the nine-months period ended 30 September 2026 has been prepared in accordance with IAS 34, "Interim Financial Reporting" as adopted by the EU. The condensed interim financial information should be read in conjunction with the annual financial statements for the year ended 31 December 2025 , which have been prepared in accordance with IFRS accounting standards. Except for the points described below, all the accounting policies applied in the preparation of this condensed interim financial information are consistent with those of the annual financial statements of the Bank and Group for the year ended 31 December 2025. This does not include all the information necessary to prepare comprehensive financial statements prepared in accordance with IFRS accounting standards. However, selected explanatory notes are provided, which explain the events and transactions important for understandi ng the changes in the Bank’s and the Group's financial position and performance since the last annual financial statements Critical accounting estimates and judgements The preparation of financial statements in conformity with IFRS requires the use of estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Although these estimates are based on management’s best knowledge of current event and actions, actual results ultimately may differ from those estimates. In preparing these condensed interim financial statements, the significant judgements made in applying Group’s accounting policies and the key sources of estimation uncertainty were the same as those applied to the financial statements as at and for the period ended 31 December 2025, except for judgements and estimations used for calculation of impairment, which were revised to reflect the most recent economic forecasts. These assumptions and evaluations are described in more detail in notes 1, 2, and 10. These financial statements combine the consolidated financial statements for the Group and stand-alone financial statements of the Bank. Such format of reporting was adopted to ensure consistency of presentation with the format prescribed by the Bank of Lithuania and applied for statutory reporting. No significant amounts of the Group’s and the Bank’s income or expenses are of a substantial seasonal nature. Amendments to existing standards and interpretations effective in 2025 A number of new standards are effective from 1 January 2025 but they do not have a material effect on the Group’s financial statements: • Classification and Measurement of Financial Instruments (Amendments to IFRS 9 and IFRS 7) • Lack of Exchangeability (Amendments to IAS 21). Standards and amendments to existing standards that are not yet effective and have not been early adopted by the Group and the Bank A number of new standards and amendments are effective for annual periods beginning on 1 January 2026 and after. Earlier application is permitted for certain standards; however, the Group and the Bank has not early adopted any of the new or amended standards in preparing these financial statements. The following new and amended standards are not expected to have a significant impact on the Group’s and the Bank’s financial statements: • Presentation and Disclosure in Financial Statements (Amendments to IFRS18); • Subsidiaries without Public Accountability: Disclosures (IFRS 19); An assessment of the Group’s and the Bank’s statement of profit or loss presentation structure is currently being carried out; however, no significant changes are expected as a result of IFRS 18. IFRS 18 introduces additional disclosure requirements in the notes to the financial statements, including disclosures related to management defined performance measures (MPMs).

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 19 NOTE 1 LOANS TO CUSTOMERS Credit risk is the risk that the Group or Bank will incur losses due to customers’ failure to meet their financial obligations to the Group or Bank. Credit risk mainly arises from lending activities and is the most significant risk in the Group’s and Bank business. It also arises from investment activities (debt securities), from the Group’s or Bank asset portfolio and from off-balance sheet financial instruments (e.g. lending commitments, guarantees, letters of credit). The Group and Bank has a credit risk management system in place, which is continuously improved and includes lending policy, a system of credit risk limits, other credit risk management measures, as well as internal control and internal audit of credit risk management. The Group and Bank assumes risk only in areas that are well known to it and in which it has gained positive experience, in order to avoid excessive risk in transactions that could have a negative impact on a large share of shareholders’ equity, while at th e same time ensuring an adequate level of profitability which, given the increasing competition, would ensure the Bank’s stable position in the market and increase the Bank’s value. When assessing the credit risk assumed, the Group and Bank follows the principles of prudence, conservatism and caution. The Group and Bank credit risk management is organized in such a way as to avoid conflicts of interest between staff or structural units. When granting credit to clients, the Group and Bank follows the principle that profit must not be pursued at the expense of excessive credit risk. Maximum credit risk, disregarding collateral and other credit risk mitigation measures: 30 September 2026 31 December 2025 Group Bank Group Bank Cash equivalents 546,994 540,595 314,763 309,011 Loans and advances to banks 20,094 20,092 9,035 9,035 Loans and advances to customers: 4,024,258 4,004,752 3,713,724 3,691,955 Loans and advances to financial institutions 632 322,700 23,476 324,249 Loans to individuals (Retail) 1,741,321 1,419,253 1,624,035 1,301,493 Loans to business customers 2,282,305 2,262,799 2,066,213 2,066,213 Debt securities at fair value through profit or loss 7,773 7,278 11,004 10,011 Derivative financial instruments 804 804 164 151 Debt securities at fair value through other comprehensive income 276,196 226,593 304,995 252,461 Debt securities at amortized cost 1,226,544 1,218,669 1,356,852 1,348,506 Other assets subject to credit risk 7,128 6,198 8,210 7,345 Credit risk exposures relating to off –balance sheet items are as follows: Financial guarantees 74,011 74,061 61,975 62,025 Letters of credit 15,366 15,366 33,356 33,356 Loan commitments and other credit related liabilities 504,916 543,051 431,432 471,953 Total 6,704,084 6,657,459 6,245,510 6,195,809 Loans to customers 30 September 2026 31 December 2025 Group Bank Group Bank Gross loans at amortized cost 4,078,790 4,046,758 3,762,780 3,728,430 Less: allowance for impairment (59,876) (47,350) (55,259) (42,678) Net loans at amortized cost 4,018,914 3,999,408 3,707,521 3,685,752 Gross loans at fair value 5,344 5,344 6,203 6,203 Total loans 4,024,258 4,004,752 3,713,724 3,691,955 Through its subsidiaries, UAB "Artea Retrofit Fund 1" and UAB "Artea Retrofit Fund 2", the Bank has granted loans as an investment in a securitization instrument intended to finance multi-apartment building renovation projects. The Bank’s investments in securitization are carried out in several stages, across different investment tranches characterized by varying levels of risk. Part of the investments made to date were into the tranche with the most significant risk. Therefore, in accordance with IFRS 9 requirements the loans granted to UAB "Artea Retrofit Fund 1" and UAB "Artea Retrofit Fund 2" are measured at fair value through profit or loss and are presented in the statement of financial position under the line item “Loans granted to customers.” At initial recognition, the fair value of these loans was determined to be equal to their acquisition cost. As of 30 September 2026, the net value of these loans amounted to EUR 5,318 thousand. During the nine-month period ended 30 September 2026, a loss of EUR 923 thousand was recognized due to an increase in the fair value of these loans. The remaining portion of loans to UAB "Artea Retrofit Fund 1" and UAB "Artea Retrofit Fund 2", which are measured at amortized cost, had a net value of EUR 32,6 million as of 30 September 2026.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 20 NOTE 1 LOANS TO CUSTOMERS (CONTINUED) The distribution of loans by stages and days past due: Group 30 September 2026 31 December 2025 Not due Due below 30 days Due 31-90 days Due over 90 days Total Not due Due below 30 days Due 31-90 days Due over 90 days Total Stage 1: Gross amount 3,582,412 47,369 - - 3,629,781 3,223,074 31,829 - - 3,254,903 Allowance for impairment (19,837) (352) - - (20,189) (20,754) (254) - - (21,008) Net amount 3,562,575 47,017 - - 3,609,592 3,202,320 31,575 - - 3,233,895 Stage 2: - Gross amount 284,061 38,516 15,988 - 338,565 365,706 30,855 12,425 - 408,986 Allowance for impairment (5,476) (3,524) (1,550) - (10,550) (8,037) (3,182) (1,783) - (13,002) Net amount 278,585 34,992 14,438 - 328,015 357,669 27,673 10,642 - 395,984 Stage 3: Gross amount 54,998 11,869 6,569 42,352 115,788 55,788 7,295 9,063 32,948 105,094 Allowance for impairment (10,982) (1,767) (1,151) (15,237) (29,137) (5,539) (1,136) (1,556) (13,018) (21,249) Net amount 44,016 10,102 5,418 27,115 86,651 50,249 6,159 7,507 19,930 83,845 Total: Gross amount 3,921,471 97,754 22,557 42,352 4,084,134 3,644,568 69,979 21,488 32,948 3,768,983 Allowance for impairment (36,295) (5,643) (2,701) (15,237) (59,876) (34,330) (4,572) (3,339) (13,018) (55,259) Net amount 3,885,176 92,111 19,856 27,115 4,024,258 3,610,238 65,407 18,149 19,930 3,713,724 Bank 30 September 2026 31 December 2025 Not due Due below 30 days Due 31-90 days Due over 90 days Total Not due Due below 30 days Due 31-90 days Due over 90 days Total Stage 1: Gross amount 3,276,723 47,369 - - 3,324,092 2,918,129 31,829 - - 2,949,958 Allowance for impairment (15,183) (352) - - (15,535) (16,486) (254) - - (16,740) Net amount 3,261,540 47,017 - - 3,308,557 2,901,643 31,575 - - 2,933,218 Stage 2: Gross amount 584,774 22,939 12,396 - 620,109 664,480 16,305 7,936 - 688,721 Allowance for impairment (5,366) (559) (493) - (6,418) (7,933) (488) (501) - (8,922) Net amount 579,408 22,380 11,903 - 613,691 656,547 15,817 7,435 - 679,799 Stage 3: Gross amount 53,324 10,748 5,927 37,902 107,901 53,445 6,074 8,246 28,189 95,954 Allowance for impairment (10,211) (1,251) (856) (13,079) (25,397) (4,449) (574) (1,180) (10,813) (17,016) Net amount 43,113 9,497 5,071 24,823 82,504 48,996 5,500 7,066 17,376 78,938 Total: Gross amount 3,914,821 81,056 18,323 37,902 4,052,102 3,636,054 54,208 16,182 28,189 3,734,633 Allowance for impairment (30,760) (2,162) (1,349) (13,079) (47,350) (28,868) (1,316) (1,681) (10,813) (42,678) Net amount 3,884,061 78,894 16,974 24,823 4,004,752 3,607,186 52,892 14,501 17,376 3,691,955 Loans are assigned to stages using the following principles (a deviation from these principles is allowed in the process of individual loan assessment based on contract - specific circumstances if it would result in more precise assessment of the risk of the contract): Stage 1 loans: loans with no increase in credit risk observed. Stage 2 loans: loans with an increase in credit risk observed. Main reasons for determining an increase in credit risk are: deterioration of borrower’s financial status from the initial (this criteria is not applicable to the low credit risk loans, i.e. loans th at have internal borrower’s financial status assessment grades “very good” or “good” or investment grade credit ratings by external credit rating agencies), payment delay of over 30 days, and other objective criteria showing an increase in credit. Stage 3 loans: defaulted loans. Main reasons for determining a default are payment delay of over 90 days, bankruptcy of the borrower, termination of the contract, start of the foreclosure procedures and other objective criteria. As lending activities are oriented to Lithuanian market, the Bank and the Group held no significant direct loan positions in Russia, Belarus, Ukraine and Middle East. Potential risk assessment for separate sectors has not demonstrated economic sectors for which risk would be increased. Due to potential increase in credit risk the Bank has individually assessed clients with loans and finance lease contracts which have medium or high dependency from countries mentioned above through supply or sales chains or through holders structure and if increase in risk was determined credit stages for certain clients were reduced.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 21 NOTE 2 SECURITIES Securities in the trading book Securities in the trading book are comprised of trading securities and other securities that cover insurance contract liabilities under unit -linked insurance contracts of life insurance subsidiary. These securities are measured at fair value through profit or loss. 30 September 2026 31 December 2025 Group Bank Group Bank Debt securities: 7,773 7,278 11,004 10,011 Government bonds - - - - Corporate bonds 7,773 7,278 11,004 10,011 Equity securities 1,373 1,373 27 27 Total 9,146 8,651 11,031 10,038 30 September 2026 31 December 2025 Group Bank Group Bank Trading securities: Debt securities: 7,773 7,278 11,004 10,011 from AA- to AAA: - - - - from A- to A+: 495 - 993 - from BBB- to BBB+: - - - - from BB- to BB+: - - - - lower than BB-: - - - - no rating: 7,278 7,278 10,011 10,011 Equity securities: 1,373 1,373 27 27 listed: 1,373 1,373 27 27 unlisted: - - - - Total trading securities: 9,146 8,651 11,031 10,038 Investment securities 30 September 2026 31 December 2025 Group Bank Group Bank Securities at fair value: Debt securities: 276,196 226,593 304,995 252,461 Government bonds 251,061 220,851 276,652 243,914 Corporate bonds 25,135 5,742 28,343 8,547 Equity securities 212,522 700 199,701 2,513 Total 488,718 227,293 504,696 254,974 Securities at amortized cost: Debt securities: 1,226,544 1,218,669 1,356,852 1,348,506 Government bonds 1,216,439 1,211,616 1,343,750 1,338,911 Corporate bonds 10,105 7,053 13,102 9,595 Total 1,226,544 1,218,669 1,356,852 1,348,506 30 September 2026 31 December 2025 Group Bank Group Bank Securities at fair value: Debt securities 276,196 226,593 304,995 252,461 from AA- to AA+ 91,456 90,102 129,842 128,347 from A- to A+ 136,297 113,701 125,696 100,627 from BBB- to BBB+ 39,277 22,407 40,933 22,644 from BB- to BB+ 6,832 383 6,567 388 lower than BB- 370 - 343 - no rating_: 1,964 - 1,614 455 Equities 212,265 696 197,569 620 listed 201,629 512 188,233 449 unlisted 10,636 184 9,336 171 Units of investment funds 257 4 2,132 1,893 Total 488,718 227,993 504,696 254,974 Securities at amortized cost: Debt securities 1,226,544 1,218,669 1,356,852 1,348,506 from AA- to AA+ 433,767 433,565 541,986 541,783 from A- to A+ 734,136 729,247 752,436 747,541 from BBB- to BBB+ 57,971 55,857 61,924 59,182 from BB- to BB+ 507 - 506 - lower than BB- - - - - Unrated 163 - - - Total 1,226,544 1,218,669 1,356,852 1,348,506

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 22 NOTE 2 SECURITIES (CONTINUED) Credit stages of investment debt securities: 30 September 2026 31 December 2025 Group Bank Group Bank Stage 1: Gross amount 1,502,863 1,445,344 1,661,449 1,600,569 Allowance for impairment (123) (82) (76) (76) Net amount 1,502,740 1,445,262 1,661,373 1,600,493 Stage 2: Gross amount - - 492 492 Allowance for impairment - - (18) (18) Net amount - - 474 474 Stage 3: Gross amount 1,023 - 1,024 - Allowance for impairment (1,023) - (1,024) - Net amount - - - - Total 1,502,740 1,445,262 1,661,847 1,600,967 Investments in subsidiaries The Group's structure and ownership remained unchanged during the nine month period ended 30 September 2026 and the comparative year ended 31 December 2025. More detailed information about the Group’s companies (including the date of registration, registered office address, and company code) is disclosed in the Financial summary section „Companies comprising group“ Bank‘s investments in subsidiaries consisted of: Share in equity 30 September 2026 31 December 2025 Artea Life Insurance UAB 100% 35,473 44,102 Artea lizingas UAB 100% 10,788 12,358 Artea Turto Fondas UAB 100% 825 707 Artea Asset Management UAB 100% 28,892 39,492 Total investments in subsidiaries using equity method 75,978 96,659 Artea retrofit fund 1 UAB 100% 100 170 Artea retrofit fund 2 UAB 100% 100 100 Total investments in subsidiaries at fair value 200 270 During the first half of 2026, the subsidiaries declared and paid dividends to UAB Artea bankas. UAB Artea Life Insurance paid dividends of EUR 12,500 thousand, UAB Artea Asset Management – EUR 2,000 thousand, and UAB Artea lizingas – EUR 9,000 Thousand. In accordance with the agreements with investors and the provisions of IFRS 10, the Bank does not have control over Artea Retrofit Fund 1 UAB and Artea Retrofit Fund 2 UAB, therefore these companies are not consolidated in the Group's consolidated financial statements. In accordance with the provisions of IFRS 9 applicable to contractually linked instruments, the investments in Artea Retrofit Fund 1 UAB and Artea Retrofit Fund 2 UAB are carried at fair value through profit or loss and are shown in the line 'Investments in subsidiaries' in the statement of financial position. The fair value of these investments was determined at initial recognition to be the same a s their acquisition cost. Since the incorporation of its subsidiaries, the Bank has regularly made additional contributions to cover their accumulated losses. During the nine- month period, additional contributions amounting to EUR 106 thousand were made for this purpose (2025: EUR 70 thousand). Impairment losses on investments in subsidiary companies As of 30 September 2026 and as of 31 December 2025, the Bank assessed whether there were any indicators of impairment in respect of its investment in Artea Asset Management UAB accounted for using the equity method. During 2025, amendments to the Lithuanian Pillar II pension legislation were enacted allowing participants, during the period 2026 –2027, to withdraw up to 25% of their accumulated pension assets if they remain in the system, or the full amount if they choose to exit. Management assessed that these legislative changes constitute an indicator of potential impairment under IAS 36, as the reform may result in a reduction of assets under management (AUM) and related management fee income. Accordingly, the Bank performed an impairment test of the entire carrying amount of the investment. The recoverable amount was determined based on value in use, calculated by discounting the Company’s share of the future cash flows expected to be derived from the continuing operations of Artea Asset Management UAB. Cash flows beyond the explicit forecast period were extrapolated using a long -term growth rate of 2%. The projected cash flows were discounted using a pre-tax discount rate of 10.81% (2025 – 10.1% reflecting current market assessments of the time value of money and the risks specific to the investment. Based on the impairment test performed, the recoverable amount exceeded the carrying amount of the investment as at 30 September 2026 and as at 31 December 2025 and therefore no impairment loss was recognised. The Bank’s investment in UAB Artea Asset Management decreased due to the impairment of goodwill recognized by the subsidiary and the impairment of fund rights. Detailed information on this can be found in Note 10. No indicators of impairment were identified for the other subsidiaries.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 23 NOTE 3 SIGNIFICANT INFORMATION ON CHANGES IN ASSET ITEMS Other assets 30 September 2026 31 December 2025 Group Bank Group Bank Amounts receivable 7,128 6,198 8,210 7,345 Inventories 250 - 114 - Deferred charges 5,225 4,751 4,920 4,128 Assets under reinsurance and insurance contracts 141 - 151 - Prepayments 1,576 904 3,601 3,085 Foreclosed assets 193 189 606 602 Property held for resale 3,539 3,539 - - Other 4,436 4,521 1,639 1,793 Total 22,488 20,102 19,241 16,953 Property, plant and equipment 30 September 2026 31 December 2025 Group Bank Group Bank Property, plant and equipment 31,709 31,385 15,495 15,183 Total 31,709 31,385 15,495 15,183 On April 20, 2026, new premises were handed over to the Bank under a lease agreement. In accordance with IFRS 16, a right -of-use asset and a corresponding lease liability were recognized based on the executed contract. As of September 30, 2026, the carrying amount of this transaction was EUR 19.9 million. The assessment was based on a 10 -year lease term, and a discount rate of 3.9% was applied in calculating the lease liability. As a result, this transaction was the primary driver of the significant increase in property , plant and equipment during the reporting period. In addition, furniture required for fitting out the premises was recognized, with a carrying amount of a further EUR 2.6 million. NOTE 4 DEPOSITS FROM CLIENTS The breakdown of deposits are aligned with the structure of regulatory (FINREP) reporting. Deposits are classified in accordance with regulatory reporting requirements to ensure consistency between financial and supervisory reports. 30 September 2026 31 December 2025 Group Bank Group Bank Demand deposits: Public sector 301,244 301,244 232,672 232,672 Non-financial companies 999,668 1,000,428 886,174 886,954 Households 1,027,187 1,027,187 925,887 925,887 Transit, deposited liabilities 43,051 43,051 31,977 31,977 Hedged items fair value adjustment (1,449) (1,449) (260) (260) Total demand deposits 2,369,701 2,370,461 2,076,450 2,077,230 Term deposits: Public sector 71,059 71,059 45,283 45,283 Non-financial companies 247,238 247,238 266,534 266,534 Households 1,664,213 1,664,213 1,572,934 1,572,934 Total term deposits 1,982,510 1,982,510 1,884,751 1,884,751 Total 4,352,211 4,352,971 3,961,201 3,961,981

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 24 NOTE 5 LIABILITIES RELATED TO INSURANCE ACTIVITIES Insurance contract liabilities Bank’s subsidiary Artea Life Insurance UAB is engaged in life insurance business. For the periods ended 30 September 2026 and 31 December 2025 the liabilities from insurance contracts and their changes were as follows: Estimate of present value of future cash flows Risk adjustment for non-financial risks Contractual service margin Investment units Advances paid by policyholders Total Gross: 1 January 2025 50,719 18,523 32,416 96,686 88 198,432 Change during period 5,668 333 95 887 (5) 6,978 30 September 2025 56,387 18,856 32,511 97,573 83 205,410 Change during period 5,608 (1,121) (648) 3,617 (16) 7,440 31 December 2025 61,995 17,735 31,863 101,190 67 212,850 Change during period 12,460 (532) 1,452 7,864 (4) 21,240 30 September 2026 74,455 17,203 33,315 109,054 63 234,090 Reinsurance share: 1 January 2025 - - - - - - Change during period 38 - - - - 38 30 September 2025 38 - - - - 38 Change during period 26 (4) - - - 22 31 December 2025 64 (4) - - - 60 Change during period 53 - (18) - - 35 30 September 2026 117 (4) (18) - - 95 Net value 31 December 2025 62,059 17,731 31,863 101,190 67 212,910 30 September 2026 74,572 17,199 33,297 109,054 63 234,185 NOTE 6 CAPITAL The share capital of the Bank as of 30 September 2026, was 189,196 thousand euros, which is divided into 652,399 thousand ordinary registered shares with a nominal value of 0.29 euros. ISIN LT0000102253. The new version of Bank's Articles of Association were registered in the Register of Legal Entities on 1 3 August 2025, following the completion of share capital reduction procedure after the acquisition of its own shares. The Bank's share capital was not increased in the third quarter of 2026. All issued shares of the Bank grant their holders equal rights as provided for in the Law on Companies of the Republic of Lithuania and the Bank’s Articles of Association. Share premium The share premium represents the difference between the issue price and nominal value of the shares issued by the Bank. Share premium can be used to increase the Bank’s authorised share capital. In 2018, the share premium of EUR 3,428 thousand was recognized in the subordinated loan conversion process. In 2023 share premium has increased to EUR 25,534 thousand due to business combination. There were no additional share premium increase during upcoming years. Reserve capital The reserve capital is formed from the Bank’s profit and its purpose is to ensure the financial stability of the Bank. The shareholders may decide to use the reserve capital to cover losses incurred. Statutory reserve According to the Law of the Republic of Lithuania on Banks, allocations to the statutory reserve shall be compulsory and shall not be less than 1/20 of the profit available for appropriation. The statutory reserve may, by a decision of extraordinary genera l or annual meeting of the shareholders, be used only to cover losses of the activities. Reserve for acquisition of own shares As of 30 September 2026, the carrying value of the reserve for the repurchase of own shares is EUR 20,000 thousand (as of 30 September 2025 - EUR 20,000 thousand). On 15 August 2024 the Bank has received permission from the European Central Bank (ECB) to buy back up to 13,745 thousand of its own shares. 24 January 2025 the Bank has completed its own share buy -back programme on the regulated market, which was carried out from 4 November 2024. During this period, the Bank acquired 5,093 thousand treasury shares, i.e. 74% of the maximum number of shares within the limit set at the time of the programme's expiry, for a total amo unt of EUR 4,345 thousand , at an average price of EUR 0.853 per share. On 10 June, 2025 the Bank has completed its own share buy-back programme on the regulated market, which was carried out from 5 May, 2025. During this period, the Bank acquired 2,540 thousand treasury shares, i.e. 96% of the maximum number of shares within the limit set at the time of the programme's expiry, for a total amount of EUR 2,226 thousand, at an average price of EUR 0.876 per share. This buyback program, the purpose of which is to reduce the Bank's capital, was approved by the Management Board of Bank on 30 April 2025, implementing the decision of the Bank's ordinary general meeting of shareholders of 31 March 2025. On 23 September 2025 the Bank received permission from the European Central Bank (ECB) to buy back up to 4 500 thousand of its own shares. Shares to be acquired in the market in the one year period starting from the date of the permission. On 24 October, 2025 the Bank has completed its own share buy-back programme on the regulated market, which was carried out from 6 October, 2025. During this period, the Bank acquired 1,130 thousand treasury shares for a total amount of EUR 931 thousand at an average price of EUR 0.823 per share. The Bank's own share buy-back programme announced on 26 November 2025, till 31 December 2025 - the Bank acquired 2,049 thousand treasury shares for a total amount of EUR 1,893 thousand at an average price of EUR 0.924 per share. As of 31 December 2025 the Bank held 5,719 thousand own shares with carrying value of EUR 4,967 thousand. On 23 January, 2026 the Bank has completed its own share buy-back programme on the regulated market, which was carried out from 1 December, 2025. During this period, the Bank acquired 2,787 thousand treasury shares, for a total amount of EUR 2,598 thousand, at an average price of EUR 0.932 per share. On 18 September, 202 6 AB Artea Bankas received permission from the European Central Bank (ECB) to buy back up to 13,000 thousand of its own shares. As of 30 September 2026 the Bank held 5,279 thousand own shares with carrying value of EUR 4,657 thousand. Other equity Other equity consists of amount that corresponds to the obligation to present Bank‘s shares to Group‘s employees as part of variable remuneration. The Group’s remuneration policy prescribes two main elements of remuneration – fixed remuneration and variable remuneration, and various additional benefits. Employees whose professional activities and/or decisions might have a significant impact on the ri sk accepted by the Group, receive deferred variable remuneration. The remuneration amounts are accrued as staff expenses in income statement.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 25 NOTE 6 CAPITAL (CONTINUED) The Group's incentive scheme employees whose professional activities and/or decisions may have a significant impact on the risk assumed be the Group receive 50% of the annual long term incentive program in cash and 50% in form of Bank's shares options executable after 3 years. The number of share options is based on the currency value of the achieved results divided by the weighted average price at which the Bank's shares are traded on Nasdaq Vilnius during the period of five months prior the approval of renumeration. Each option is convertible into one ordinary share. The Group has assessed fair value of shares option by the Black-Scholes model which is attributable to Level 3 in fair value hierarchy. The model inputs include: • For the option granted on 31 March 2026: grant date (31 March 2026), expiry date (09 April 2029; 08 April 2030; 10 April 2031), share price on the grant date EUR 0.868, 3 -year exercise price EUR 0.721, 4 -year EUR 0.699,5-year EUR 0.673, expected volatility of the bank’s share price 19%, risk-free interest rate –3%, 3.1%. • For the option granted on 31 March 2025: grant date (31 March 2025), expiry dates (14 April 2028; 13 April 2029; and 12 April 2030), share price on the grant date EUR 0.899, 3 -year exercise price EUR 0.768, 4 -year EUR 0.740, 5 -year EUR 0.736, expected volatility of the bank’s share price 22%, risk-free interest rates – 2.5%, 2.8%, 2.9%; • For the option granted on 31 March 2024: grant date (31 March 2024), expiry dates (14 April 2028 and 13 April 2029), share price on the grant date EUR 0.709, 3-year exercise price EUR 0.605, 4-year exercise price EUR 0.601, 5 -year exercise price EUR 0.577, expected volatility of the bank’s share price 24%, risk-free interest rate – 3.4%,3.5%; • For the option granted on 31 March 2023: grant date (31 March 2023), expiry dates (07 April 2027 and 07 April 2028, 07 April 2029), share price on the grant date EUR 0.747, 3-year exercise price EUR 0.681, 4-year exercise price EUR 0.655, 5 -year exercise price EUR 0.650, expected volatility of the bank’s share price 27%, risk-free interest rates –1.3%, 5% and 2.3%; The value of the options is included in the Other equity line in the statement of financial position. Other equity consists of: 30 September 2026 31 December 2025 Group Bank Group Bank Options 1,467 1,049 1,627 1,201 Shares distributable to employees - - - - Total 1,467 1,049 1,627 1,201 During the nine-month period ended 30 September 2026, and the year ended 31 December 2025, there were no forfeited or expired share options. During the nine-month period ended 30 September 2025, 1,745 thousand share options were exercised for the benefit of the Group’s identified staff (1,495 thousand for the benefit of the Bank’s identified staff), with a weighted average share price at the time of exercise of EUR 0.894. During the nine-month period ended 30 September 2026, 1,179 thousand share options were exercised for the benefit of the Group’s identified staff (995 thousand for the benefit of the Bank’s identified staff), with a weighted average share price at the time of exercise of EUR 0.873. Basic earnings per share: Basic earnings per share are calculated by dividing the net profit for the period by the weighted average number of ordinary shares outstanding during the period.As of September 30, 2026, and September 30, 2025, the Group had no potential ordinary shares, therefore the diluted earnings per share are equal to the basic earnings per share. The number of ordinary registered shares outstanding as of September 30, 2026, was 652,399 thousand.The weighted average number of ordinary registered shares outstanding was 644,362 thousand as of 30 September 2026, and 649,866 thousand as of 30 September 2025. Group 30 September 2026 30 September 2025 Net profit from continuing operations attributable to equity holders 27,915 48,366 Net profit (loss) from discontinued operations attributable to equity holders - - Net profit attributable to equity holders 27,915 48,366 Weighted average number of shares in issue during the period (thousand units) 644,362 649,866 Basic earnings per share (EUR) 0.04 0.07 Basic earnings per share (EUR) from continuing operations 0.04 0.07 Basic earnings per share (EUR) from discontinued operations - - NOTE 7 NET INTEREST INCOME 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Interest revenue calculated using the effective interest method (on financial assets at amortized cost and fair value through other comprehensive income): 181,339 165,487 165,909 151,491 on loans to other banks and financial institutions and placements with credit institutions 4,570 4,542 8,326 8,294 on loans to customers 152,294 136,553 146,171 131,892 on debt securities at amortized cost 24,475 24,392 11,412 11,306 on debt securities at fair value through other comprehensive income - - - - Other similar income: 17,517 16,052 17,392 16,302 on debt securities at fair value through profit or loss 1,976 515 1,979 890 on loans at fair value through profit or loss 660 660 656 656 on finance leases 14,881 14,877 14,757 14,756 other interest income - - - - Total interest income 198,856 181,539 183,301 167,794 Interest expense: on financial liabilities designated at fair value through profit or loss - - - - on financial liabilities measured at amortized cost (85,179) (85,193) (78,962) (79,001) on other liabilities (3) - (8) - Total interest expense (85,182) (85,193) (78,970) (79,001) Net interest income 113,674 96,346 104,331 88,793

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 26 NOTE 8 NET FEE AND COMMISSION INCOME 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Fee and commission income: for administration of loans of third parties 6,016 6,016 6,535 6,535 for settlement services 4,292 4,292 3,950 3,950 for cash operations 3,086 3,086 2,911 2,911 for account administration 5,375 5,375 4,867 4,867 for guarantees, letters of credit, documentary collection 727 727 786 784 for collection of utility and similar payments 176 176 190 190 for services related to securities 3,390 3,390 3,641 3,641 for services related to pension and investment funds management 6,282 - 6,429 - other fee and commission income 1,027 2,216 679 1,793 Total fee and commission income 30,371 25,278 29,988 24,671 Fee and commission expense: for payment cards (4,207) (4,207) (4,711) (4,711) for cash operations (396) (396) (343) (343) for correspondent bank and payment system fees (369) (285) (424) (320) for services related to securities (895) (895) (757) (757) for services related to pension and investment funds management (567) - (654) - other fee and commission expenses (368) (368) (379) (379) Total fee and commission expense (6,802) (6,151) (7,268) (6,510) Net fee and commission income 23,569 19,127 22,720 18,161 NOTE 9 OTHER OPERATING EXPENSES 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Rent of buildings and premises (462) (491) (308) (297) Utility services for buildings and premises (1,292) (1,210) (922) (909) Other expenses related to buildings and premises (765) (735) (526) (526) Transportation expenses (243) (184) (294) (235) Legal costs (148) (148) (200) (200) Personnel and training expenses (1,026) (1,018) (1,279) (1,257) IT and communication expenses (22,498) (21,191) (17,841) (16,627) Marketing and charity expenses (3,003) (1,392) (5,140) (3,440) Service organization expenses (6,050) (5,718) (5,924) (5,616) Non-income taxes, fines (309) 151 (491) (52) Costs incurred due to debt recovery (334) (150) (395) (201) Other expenses (1,285) (1,115) (994) (759) Total (37,415) (33,201) (34,314) (30,119)

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 27 NOTE 10 IMPAIRMENT LOSSES ON LOANS AND OTHER ASSETS 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank (Impairment losses) / reversal of impairment losses on loans (6,147) (4,349) (4,803) (2,435) Recoveries of loans previously written-off 695 55 152 91 Reversal of impairment losses / (impairment losses) on finance lease receivables (872) (872) 691 691 (Impairment losses) on debt securities (26) 11 15 15 Reversal of impairment losses on due from banks (26) (26) (21) (21) Reversal of impairment losses / (impairment losses) on other financial assets (237) (237) 739 754 (Impairment losses) on Goodwill (1,953) - - - (Impairment losses) / reversal of impairment losses on other non -financial assets 136 - - - (Impairment losses) on fund rights (9,997) - - - Provisions for other liabilities 14 - 16 - Total (18,413) (5,418) (3,211) (905) Impairment of goodwill and fund management rights related to UAB Artea Asset Management As at 31 December 2025, the carrying amount of goodwill allocated to the Asset Management group of cash-generating units (hereinafter – the CGU group) related to UAB “Artea Asset Management” amounted to EUR 2,525 thousand, while the carrying amount of fund management rights amounted to EUR 28,049 thousand. No impairment loss was recognised based on the impairment test performed as at 31 December 2025. As of 30 June 2026, the carrying amount of goodwill allocated to the Asset Management CGU amounted to EUR 2,525 thousand, while the carrying amount of all fund management rights amounted to EUR 27,437 thousand. Accordingly, these CGU assets were allocated among three separate CGUs: Pillar II pension funds, Pillar III pension funds, and investment funds. Indicators of impairment were identified and impairment loss was recognised only for the Pillar II CGU. The carrying amount of goodwill allocated to this CGU before impairment amounted to EUR 1,953 thousand, while the carrying amount of fund management rights before impairment amounted to EUR 21,221 thousand. As of 30 September 2026, the carrying amount of goodwill allocated to the Asset Management CGU amounted to EUR 572 thousand, while the carrying amount of all fund management rights amounted to EUR 19,181 thousand. Accordingly, these CGU assets were allocated among three separate CGUs: Pillar II pension funds, Pillar III pension funds, and investment funds. Indicators of impairment were identified and impairment loss was recognised only for the Pillar II CGU. The carrying amount of fund management rights before impairment amounted to EUR 13,035 thousand. 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Allowance for impairment of loans As at 1 January 49,357 36,776 49,725 33,567 Change in allowance for loan impairment 6,147 4,349 4,803 2,435 Loans written off during the period (2,402) (549) (4,800) (2,365) Other factors (reclassification, FX rate shift, etc.) - - (1) (1) As at 30 September 53,102 40,576 49,727 33,636 Allowance for impairment of finance lease receivables As at 1 January 5,902 5,902 6,687 6,687 Change in allowance for impairment of finance lease receivables 872 872 (691) (691) Finance lease receivables written off during the period - - - - Other factors (reclassification, FX rate shift, etc.) - - - - As at 30 September 6,774 6,774 5,996 5,996 Allowance for impairment of debt securities As at 1 January 1,118 94 1,102 73 Change in allowance for impairment of debt securities 28 (12) (15) (15) Debt securities written off during the period - - - - Other factors (reclassification, FX rate shift, etc.) - - - - As at 30 September 1,146 82 1,087 58 Allowance for impairment of due from banks As at 1 January 19 19 5 5 Change in allowance for impairment of due from banks 25 25 21 21 Due from banks written off during the period - - - - Other factors (reclassification, FX rate shift, etc.) - - - - As at 30 September 44 44 26 26 Allowance for impairment of other financial assets As at 1 January 281 231 975 975 Change in allowance for impairment of other financial assets 237 237 (739) (754) Other financial assets written off during the period (18) (18) - - Other factors (reclassification, FX rate shift, etc.) - - - - As at 30 September 500 450 236 221

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 28 NOTE 10 IMPAIRMENT LOSSES ON LOANS AND OTHER ASSETS (CONTINUED) As of 30 September 2026, management updated the impairment test based on the actual trends observed in the withdrawal of participants from Lithuanian Pillar II pension funds and the revised forecast of future withdrawals, taking into account data obtained after the three quarters of 2026. Actual customer withdrawals exceeded the assumptions made at the end of 2025, resulting in the need to reassess the impairment test. The cash flow projections were based on financial forecasts approved by management covering the period up to 2030. Cash flows beyond the explicit forecast period were extrapolated using a long-term growth rate of 2%. Under the base -case valuation scenario, management forecasts that, after 30 September 2026, participants will submit withdrawal applications relating to approximately EUR 300 million (applications to withdraw funds amounting to EUR 638 million had been submitted by 30 September 2026), while the corresponding assets are expected to be withdrawn from the managed funds in subsequent periods. Based on this assumption, the projected assets under management were reduced, along with the related forecast fund management fee income and cash flows. The projected cash flows were discounted using a discount rate of 10.81% (31 December 2025: 10.1%). As of 30 September 2026, the recoverable amount of the Pillar II pension funds operating CGU, determined based on value in use calculated using the discounted cash flow method, amounted to EUR 13,035 thousand. The carrying amount of this CGU before the recognition of impairment losses amounted to EUR 19,180 thousand, of which EUR 13,035 thousand related to fund management rights, EUR 61 thousand to goodwill, and EUR 77 thousand to other intangible assets. As the carrying amount of the CGU exceeded its recoverable amount, the Group recognised an impairment loss of EUR 12,431 thousand as of 30 September 2026. In accordance with the requirements of IAS 36, the impairment loss was allocated first to goodwill in the amount of EUR 1,953 thousand, with the remaining impairment loss of EUR 10,478 thousand allocated proportionately to fund management rights and other intangible assets. The impairment loss was recognised in the statement of profit or loss under the line item “Impairment losses on loans and other assets” and was attributed to the Private Client segment. No impairment losses were identified for the other CGUs. The table below presents the difference between the recoverable amount and the carrying amount of the Pillar II pension funds operating CGU under the scenarios analysed. The carrying amount of the CGU is presented before the recognition of the impairment loss as of 30 September 2026. Therefore, negative values represent the total impairment loss calculated under the respective scenario, rather than an additional loss on top of the EUR 12,431 thousand impairment loss recognised under the base case scenario. Forward-looking macroeconomic scenarios As environmental factors changed, assumptions and estimates used in probability of default (PD) estimations were changed. The scenarios used to calculate PDs were based on the latest available economic change scenarios published by institutions, Group‘s management assigned judgement -based probabilities to these scenarios. It should be noted that economic forecasts used took into account ongoing russia’s invasion to Ukraine and conflicts in the Middle East, as well as took into considerations uncertain situation regarding changes in USA tariffs. But without knowing result scenario of it significant uncertainties existed on how it will impact further global, country and sectors development trends. Due to suc h circumstances there is a significant probability that actual results may deviate from the estimated. Scenario probabilities and weighted average salary growth: 2026 2027 2028 2029 2030 30 September 2026 Change in Salary Probability Change in Salary Probability Change in Salary Probability Change in Salary Probability Change in Salary Probability Base Scenario 9.50% 50% 7.80% 50% 6.80% 50% 6.10% 50% 5.70% 50% Optimistic Scenario 11.00% 15% 9.50% 15% 8.50% 15% 8.00% 15% 7.50% 15% Pessimistic Scenario 8.00% 35% 5.00% 35% 3.00% 35% 3.00% 35% 3.00% 35% Weighted average Salary growth 9.20% 7.08% 5.73% 5.30% 5.03% 2026 2027 2028 2029 2030 31 December 2025 Change in Salary Probability Change in Salary Probability Change in Salary Probability Change in Salary Probability Change in Salary Probability Base Scenario 8.00% 60% 7.00% 60% 5.80% 60% 5.20% 60% 5.20% 60% Optimistic Scenario 8.00% 25% 4.00% 25% 3.00% 25% 3.00% 25% 3.00% 25% Pessimistic Scenario 11.00% 15% 9.50% 15% 7.50% 15% 7.50% 15% 7.50% 15% Weighted average Salary growth 8.45% 6.63% 5.36% 5.00% 5.00% NOTE 11 SIGNIFICANT INFORMATION ON OTHER INCOME STATEMENT ITEMS Net gain from trading activities related to insurance activities 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Net gain from operations with securities 19,320 - 4,154 - Net gain from foreign exchange and related derivatives 5 - (23) - Dividend income 278 - 68 - Total 19,603 - 4,199 - Discount rate \ projected future reduction in assets under management 250m EUR 300m EUR 350m EUR 10.31% (9,144) (11,303) (13,464) 10.81% (9,893) (11,942) (13,993) 11.31% (10,568) (12,518) (14,470)

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 29 NOTE 11 SIGNIFICANT INFORMATION ON OTHER INCOME STATEMENT ITEMS (CONTINUED) Net gain from trading activities (excl. insurance) 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Net gain from operations with securities 452 944 (994) (1,011) Net gain from foreign exchange and related derivatives 290 290 8,068 8,092 Dividend income 33 31 81 14 Net profit (loss) on hedge accounting (1,059) (1,059) - - Total (284) 206 7,155 7,095 The result of commercial activities includes the investment result of the insurance company's assets (when the investment risk is borne by the policyholder) – for the nine-month period ending on 30 September 2026 – a net profit of 20,496 thousand Euros, for the nine-month period ending on 30 September 2025 – a net profit of 4,238 thousand Euros. Revenue related to insurance activities 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Amounts relating to changes in LFRC - Expected benefits incurred 2,250 - 2,303 - - Expected expenses incurred 2,756 - 2,631 - - Change in the risk adjustment 1,666 - 1,060 - - CSM recognized 2,086 - 2,108 - Recovery of acquisition cash flows 1,067 - 939 - Other insurance related revenue 2,201 - 2,013 - Total 12,026 - 11,054 - Expenses related to insurance activities 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Group Bank Group Bank Incurred claims expenses (2,423) - (2,264) - Losses on onerous contracts and reversal of those losses 29 - (152) - Insurance acquisition costs (1,068) - (939) - Other expenses (2,166) - (1,968) - Interest accrued to insurance contracts (1,346) - (1,393) - Change in financial assumptions through P&L (11,020) - (3,044) - Changes related to effect of discount rates applied on initial recognition 15 - 13 - Change in financial liabilities (8,205) - 34 - Commissions for investment contracts (654) - (713) - Costs of insurance policies - - - - Total (26,838) - (10,426) - NOTE 12 RELATED-PARTY TRANSACTIONS Related parties with the Bank are classified as follows: • members of the Bank’s Supervisory Council and Board (which also are the main decision makers of the Group), their close family members and companies that are controlled, jointly controlled over by these related parties; • subsidiaries of the Bank; • the shareholders holding over 20% of the Bank’s share capital or being a part of a voting group acting in concert that holds over 20% of voting rights therefore presumed to have a significant influence over the Group. During 2026 and 2025, a certain number of banking transactions were entered into with related parties in the ordinary course of business. These transactions include settlements, loans, deposits and foreign currency transactions. According to the local legislation, the informa tion on executed material transactions with related parties is published on Bank’s website (www.artea.lt › About bank › Information › Reports regarding the transactions with related parties). The balances of loans granted to and deposits accepted from the Bank’s related parties, except for subsidiaries, were as follows: 30 September 2026 31 December 2025 Balances of deposits Balances of loans and debt securities Balances of deposits Balances of loans and debt securities Members of the Council and the Board 697 382 1,512 454 Other related parties (excluding subsidiaries of the Bank) 4,876 306 4,645 2,135 Total 5,573 688 6,157 2,589 As of 30 September 2026 , the bank's individual impairment provisions related to loans to related parties, excluding parent companies, amounted to 0.4 thousand EUR (as of 31 December 2025– 15 thousand EUR).

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 30 NOTE 12 RELATED-PARTY TRANSACTIONS (CONTINUED) Remuneration of the management of the Bank According to the Bank's Remuneration Policy, the members of the management bodies are paid a fixed and annual variable remuneration. The annual variable remuneration fund is formed based on the Bank's performance, taking into account current and future risks. During nine-months period ended 30 September 2026 the total amount of fixed and annual variable renumeration (total of payments in cash and in shares of the Bank) to the Bank’s Board members amounted to EUR 1,416 thousand (30 September 2025 EUR 2,006 housand). Transactions with subsidiaries: Balances of transactions with the subsidiaries are presented below: 30 September 2026 31 December 2025 Balances of deposits Balances of loans and debt securities Balances of deposits Balances of loans and debt securities Non-financial institutions 70,658 66,085 59,048 71,284 of which: UAB Retrofit Fund 1 ir UAB Retrofit Fund 2 69,116 66,085 57,270 71,284 Financial institutions 111 340,747 58 300,774 Total 70,769 406,832 59,106 372,058 Bank’s total balances with subsidiaries: 30 September 2026 31 December 2025 Assets Loans 368,647 372,057 of which: UAB Retrofit Fund and UAB Retrofit Fund 2 66,085 71,284 Other assets - - Liabilities and shareholders’ equity Deposits 70,769 59,106 of which: UAB Retrofit Fund and UAB Retrofit Fund 2 69,116 57,270 Other liabilities - - Income and expenses arising from transactions with subsidiaries: As of 30 September 2026 the balance of individual allowance for impairment losses on loans to subsidiaries Artea Retrofit Fund 1 and Artea Retrofit Fund 2 amounted to EUR 474 thousand (31 December 2025: EUR 482 thousand). 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Income Interest 13,366 13,175 Commission income 8,809 5,395 FX gain (loss) - - Share of the profit or loss of investments in subsidiaries accounted for using the equity method 2,642 10,003 Other income 690 667 Expenses Interest 14 39 Operating expenses (14) 1,230 (Impairment losses)/ reversal of impairment losses on loans - 373 Allowance for impairment losses on investments in subsidiaries - - NOTE 13 LIQUIDITY, MARKET AND OPERATIONAL RISKS Liquidity risk Liquidity risk means the risk that the Bank is unable to meet its financial obligations in time or that it will not manage to receive financial resources during a short time by borrowing or selling the assets. Liquidity risk management process The liquidity risk management depends on the Bank's ability to cover the cash shortage by borrowing from the market and the liquidity of the market itself. Liquidity risk management is regulated by the Procedures for Liquidity Risk Management approved by the Board of the Bank. The management of the current and non-current liquidity risk is distinguished in the mentioned procedures. The current liquidity is based on the control of the incoming and outgoing cash flow. The non-current liquidity is managed on the limit system basis. Tables below present the assets and liabilities according to their remaining maturity defined in the agreements. However, actual maturity of the particular types of assets and liabilities may be longer as, for example a portion of loans and deposits is extended and thus the real repayment terms of short-term loans and demand deposits move forward. The structure of the Group’s assets and liabilities by maturity as at 30 September 2026 was as follows: On demand Less than 1 month 1 to 3 months 3 to 6 months 6 to 12 months 1 to 3 years More than 3 years Maturity undefined Total Total assets 623,740 184,838 210,567 361,188 527,265 1,874,064 2,410,721 289,641 6,482,024 Total liabilities and shareholders’ equity 2,582,921 195,258 412,831 432,591 734,378 1,236,408 287,421 600,216 6,482,024 Net liquidity gap (1,959,181) (10,420) (202,264) (71,403) (207,113) 637,656 2,123,300 (310,575) -

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 31 NOTE 13 LIQUIDITY, MARKET AND OPERATIONAL RISKS (CONTINUED) The structure of the Group’s assets and liabilities by maturity as 31 December 2025 was as follows: On demand Less than 1 month 1 to 3 months 3 to 6 months 6 to 12 months 1 to 3 years More than 3 years Maturity undefined Total Total assets 392,652 97,796 143,060 337,777 522,988 1,979,136 2,304,749 297,312 6,075,470 Total liabilities and shareholders’ equity 2,296,485 234,711 357,418 464,905 666,356 494,097 958,441 603,057 6,075,470 Net liquidity gap (1,903,833) (136,915) (214,358) (127,128) (143,368) 1,485,039 1,346,308 (305,745) - The structure of the Bank’s assets and liabilities by maturity as at 30 September 2026 was as follows: On demand Less than 1 month 1 to 3 months 3 to 6 months 6 to 12 months 1 to 3 years More than 3 years Maturity undefined Total Total assets 616,541 173,192 191,501 635,293 469,403 1,741,615 2,283,947 121,068 6,232,560 Total liabilities and shareholders’ equity 2,576,463 185,364 411,227 427,038 719,649 1,220,750 90,313 601,756 6,232,560 Net liquidity gap (1,959,922) (12,172) (219,726) 208,255 (250,246) 520,865 2,193,634 (480,688) - The structure of the Bank’s assets and liabilities by maturity as at 31 December 2025 was as follows: On demand Less than 1 month 1 to 3 months 3 to 6 months 6 to 12 months 1 to 3 years More than 3 years Maturity undefined Total Total assets 386,218 89,628 418,997 309,388 468,505 1,841,832 2,179,385 150,074 5,844,027 Total liabilities and shareholders’ equity 2,292,867 223,881 356,858 463,192 661,998 480,465 760,044 604,722 5,844,027 Net liquidity gap (1,906,649) (134,253) 62,139 (153,804) (193,493) 1,361,367 1,419,341 (454,648) - Market risk Market Risk is defined as the risk of incurring losses due to adverse movements in market parameters, such as interest rates, equity/securities prices, and foreign exchange rates. Identifying securities price risk and interest rate risk as its most significant market risk components, the Group manages foreign exchange risk in accordance with a dedicated management procedure aimed at minimizing exposure. The Group does not engage in speculative transactions aimed at profiting from exchange rate fluctuations. Open foreign currency positions (calculated as on-balance and off-balance sheet assets minus liabilities ) and the Net Open Position (NOP) are regularly reviewed by the Risk Management Committee, which initiates maximum currency limits as needed. Interest rate risk arises from the mismatch in the revaluation of the Bank's and Group's assets and liabilities, manifesting through changes in cash flows and fair value. Risk is managed in accordance with the approved Interest Rate Risk Policy for the Banking Book, following the core principle of refraining from speculative positions based on future interest rate expectations. Risk management employs an internal risk indicator and limit framework that assesses sensitivity across interest rate reset periods, while hedge accounting is utilized to mitigate fair value fluctuations of hedged liabilities. The Risk Department regularly reports compliance with internal indicators and limits to the Risk Management Committee. Securities risk represents the risk of losses arising from investments in debt and equity instruments and is governed by the Securities Investment Limit Policy. To effectively manage debt securities portfolio risk, a comprehensive limit framework is applied, including duration, credit rating, geographical region, issuer, and portfolio limits. For trading and available -for-sale portfolios, additional Value at Risk (VaR) and capital requirement limits are enforced. Every investment decision is evaluated for its impact on limit compliance prior to execution, and monthly limit monitoring reports are submitted to the Risk Management Committee. Furthermore, portfolio concentration is systematically assessed by economic sector, duration, credit quality, and geographic distribution. Operational risk Operational risk is the risk of experiencing losses due to improper or unimplemented internal control processes, employee errors and/or illegal actions, disruptions in information system operations, or the influence of external events. Operational risk, unlike other types of risks (credit, market, liquidity), is not intentionally assumed with the expectation of gaining benefits; it arises naturally in the course of the Bank's activities. In 2025, the Bank consistently reinforced a culture of operational and reputational risk management across the entire Banking Group, with the aim of enhancing operational resilience and compliance with applicable supervisory requirements. At the beginning of the year, e-learning modules on operational risk management were updated for all Group companies, and the Operational Risk Management Procedure was thoroughly reviewed and revised.Particular focus was placed on the management of outsourcing arrangements and information and communication technology (ICT) services, in light of increasingly stringent regulatory requirements in the areas of operational resilience and third-party risk. In 2025, the Procedure for the Management of Outsourced and ICT Services was updated to strengthen risk assessment, control, and oversight mechanisms. Business continuity management remains a strategic priority for the Bank and a critical component of the operational resilience framework. In 2025, the Business Continuity Management Procedure was updated to ensure full alignment with the requirements of the international sta ndard ISO 22301. In October, a comprehensive business continuity test conducted at the Bank confirmed the effectiveness of the established measures, no significant deficiencies that could adversely affect the Bank’s ability to maintain business continuity were identified. To further strengthen operational resilience and ensure the stable and reliable performance of critical functions during 2026, the Bank will continue to enhance its business continuity management framework and oversight systems for outsourced and informati on and communication technology (ICT) services, while concurrently reinforcing its operational and reputational risk management culture. Implementation and monitoring in these areas will be carried out consistently and on a centralized basis across the entire Group. NOTE 14 FINANCIAL ASSETS AND LIABILITIES MEASURED AT FAIR VALUE Types of inputs used in valuation techniques determine the following fair value hierarchy: • Level I – securities whose fair value is based on quoted prices in active markets and which are characterised by high market liquidity and a high degree of input observability. • Level II – securities whose fair value is based on directly or indirectly observable market inputs; however, the characteristics of the active market and market liquidity are not sufficient for classification within Level 1. • Level III – securities whose valuation relies significantly on unobservable inputs or for which market liquidity and input observability are limited . The distribution of the Group's and the Bank's financial assets and financial liabilities measured at fair value by fair value hierarchy level as at 30 September 2026 and 31 December 2025 is presented below.

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 32 NOTE 14 FINANCIAL ASSETS AND LIABILITIES MEASURED AT FAIR VALUE (CONTINUED) Measurement of financial assets and liabilities according to the fair value hierarchy 30 September 2026 31 December 2025 Group Bank Group Bank LEVEL I Trading book securities 495 - 1 1 Investment securities at fair value 407,735 202,201 391,485 224,522 Total Level I financial assets 408,230 202,201 391,486 224,523 LEVEL II Derivative financial instruments - assets 804 804 164 151 Derivative financial instruments - liabilities (16,767) (16,767) (3,326) (3,326) Trading book securities 5,858 5,858 8,601 8,601 Investment securities at fair value 55,131 15,384 98,259 28,388 Total Level II financial assets 45,026 5,279 103,698 33,814 LEVEL III Trading book securities 2,793 2,793 2,429 1,436 Investment securities at fair value 25,852 9,708 14,952 2,064 Assets related to securitization - - - - Non-listed equity securities 200 200 270 270 Loans granted 5,344 5,344 6,203 6,203 Total Level III financial assets 34,189 18,045 23,854 9,973 The main models used to value Level III financial instruments are: Corporate bonds The Group generally uses a discounted cash flow valuation approach for securities, which is performed using the Group’s internal valuation model. Unlisted equity securities . The Group generally uses the following fair value measurement techniques: valuations performed by external independent certified valuers and discounted cash flow assessments of financial instruments prepared by the Group’s employees. Units of collective investment undertakings that are not publicly traded and/or whose net asset value (NAV) or unit value is not determined on a daily basis are measured based on the most recently determined net asset value or the latest published/provided unit value. Such values may be adjusted to reflect subsequent changes (e.g. significant events, capital calls, allocated share of liabilities, allocated share of income, or other events). The Group’s valuation is based on information provided by asset managers regarding the net asset value or unit price. The Group’s investment contracts may be terminated at any time, and contract holders have the right to redeem the value of their contracts equal to the value of the underlying assets. Accordingly, liabilities under investment contracts are measured based on the market value of the financial instruments associated with those contracts. The assumptions and input ranges are reviewed at least annually and are updated more frequently if significant changes occur in market conditions or in the circumstances of the assets being valued. Fair value of investment securities held to collect cash flows: The fair value for Group’s investment securities at amortized cost is based on market prices or broker/dealer price quotations – i.e. it is estimated using valuation technique attributable to Level 1 in the fair value hierarchy. 30 September 2026 31 December 2025 Carrying value Fair value Carrying value Fair value Investment securities at amortized cost 1,226,544 1,203,818 1,356,852 1,345,170 2026.09.30 2025.12.31 Unobservable input Range of estimates Range of Estimates Corporate bonds Probability of Default (PD) 0.5 - 6 % 0.5 - 6 % Discount rate 4 - 12 % 4 - 12 % Unlisted equity securities Discount rate (WACC) 8 - 13 % 8 - 13 % Units of collective investment undertakings NAV provided by the fund Depending on the investment Depending on the investment

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 33 NOTE 15 SEGMENT INFORMATION Business segments During 2026 first quarter, the Group reviewed its internal segment reporting structure in order to better reflect the current operating model, customer ownership and the centralised treasury function. Comparative segment information has been restated accordingly to ensure consistency and comparability. Previously, the Group reported three operating segments: Business customers, Private customers and Investment. The former Investment segment included activities relating to investing customers, results of certain subsidiaries and other investment - related activities. Following the review, activities previously allocated to this segment were reassessed an d reallocated based on the underlying customer type or the economic substance of the activity. Customer -related activities previously included within the Investment segment are now allocated to either the Business customers or Private customers segments, depending on the relevant customer base, while the activities of subsidiaries serving private customer business are presented within the Private customers segment. At the same time, the former Investment segment has been replaced by a new Treasury segment. The newly presented Treasury segment mainly comprises net interest income arising from treasury funding, liquidity management and internal funds transfer pricing allocations, income from debt securities and other financial instruments held for liquidity and treasury management purposes, gains and losses from derivative financial instruments, including interest rate swaps, as well as trading income, including realised and unrealised fair value movements of securities and other treasury instruments. Treasury funding costs and benefits are allocated to customer segments through internal pricing mechanisms, with the corresponding impact reflected in the results of the Business customers and Private customers segments. From now on, the Group’s operating model and strategic decisions are structured around two main business lines – business customers and private customers – while separately identifying the treasury function that supports their activities. It should be noted that the investment area remains an imp ortant part of the Bank Group’s operations and will continue to be developed within the respective business lines. Management believes that the revised segment structure provides more relevant and transparent information by more clearly distinguishing the performance of customer - facing businesses from centrally managed treasury activities. The key indicators of the Group's principal business segments for the nine-month period ended 30 September 2026 are presented below. 30 September 2026 Segmentation by profit centres Corporate Private Treasury Total Net interest income 64,400 30,286 18,988 113,674 Net fee and commission income 14,103 9,466 - 23,569 Net gain from insurance activities - 4,791 - 4,791 Other income 1,337 701 (1,796) 242 Salaries and related expenses (19,968) (24,473) - (44,441) Other expenses (18,997) (24,248) - (43,245) Impairment expenses (6,034) (12,503) (52) (18,589) Income before income tax 34,841 (15,980) 17,140 36,001 Income tax (7,826) 3,590 (3,850) (8,086) Net profit centre result 27,015 (12,390) 13,290 27,915 Total segment assets 2,514,307 1,601,887 2,365,830 6,482,024 The key indicators of the Group's principal business segments (restated) for the nine- month period ended 30 September 2025 are presented below. The previous segmentation by profit centres is available in the Group's previously published financial statements . 30 September 2025 (restated) Segmentation by profit centres Corporate Private Treasury Total Net interest income 69,529 31,683 3,119 104,331 Net fee and commission income 14,233 8,487 - 22,720 Net gain from insurance activities - 4,827 - 4,827 Other income 6,344 723 4,348 11,415 Salaries and related expenses (18,981) (21,335) - (40,316) Other expenses (17,865) (22,449) - (40,314) Impairment expenses 4,200 (7,405) (6) (3,211) Income before income tax 57,460 (5,469) 7,461 59,452 Income tax (10,715) 1,020 (1,391) (11,086) Net profit centre result 46,745 (4,449) 6,070 48,366 Total segment assets 2,242,414 1,560,399 1,738,431 5,541,244

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 34 NOTE 16 SELECTED INFORMATION OF FINANCIAL GROUP According to local legislation the Bank is required to disclose certain information for the Financial group. As of 30 September 2026 and 31 December 2025 , the Bank owned the following subsidiaries included in the prudential scope of consolidation (the Bank and four subsidiaries comprised the Financial group, all of the entities attributable to Financial Group operate in Lithuania): 1. Artea Turto Fondas UAB (real estate management activities), 2. Artea Lizingas UAB (consumer financing activities), 3. Artea Asset Management UAB (investment management activities). In the Financial Group financial statements, the subsidiaries of the Bank that are not included in the Financial Group are not consolidated in full as would be required by IFRS 10 but presented on the consolidated balance sheet of the Financial Group as investments in subsidiaries at cost less impairment, in the same way as presented on the balance sheet of the Bank. This presentation is consistent with the regulatory reporting made by the Bank according to the Regulation (EU) No 575/2013 on prudential requirements for credit institutions and investment firms (CRR). Financial Group‘s condensed statement of financial position 30 September 2026 31 December 2025 ASSETS Cash and cash equivalents 615,701 384,923 Securities in the trading book 9,146 11,031 Due from other banks 20,094 9,035 Derivative financial instruments 804 151 Loans to customers 4,024,258 3,713,724 Investment securities at fair value 234,539 262,380 Investment securities at amortized cost 1,218,669 1,348,506 Investments in subsidiaries and associates 35,673 44,372 Intangible assets 24,065 37,513 Property, plant and equipment 31,640 15,436 Current income tax prepayment 3,243 7,853 Deferred income tax asset 5,980 6,460 Other assets 22,122 18,574 Total assets 6,245,934 5,859,958 LIABILITIES Due to other banks and financial institutions 152,560 197,957 Derivative financial instruments 16,767 3,326 Due to customers 4,352,211 3,961,201 Debt securities in issue 1,039,828 1,034,463 Current income tax liabilities 748 967 Deferred income tax liabilities 4,499 6,485 Other liabilities 77,732 51,173 Total liabilities 5,644,345 5,255,572 EQUITY Share capital 189,196 189,196 Share premium 25,534 25,534 Treasury shares (-) (4,657) (4,967) Reserve capital 756 756 Statutory reserve 91,457 76,133 Reserve for acquisition of own shares 20,000 20,000 Revaluation reserve (1,105) (608) Other equity 1,421 1,581 Retained earnings 278,987 296,761 Non-controlling interest - - Total equity 601,589 604,386 Total liabilities and equity 6,245,934 5,859,958

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 35 NOTE 16 SELECTED INFORMATION OF FINANCIAL GROUP (CONTINUED) Financial Group‘s condensed income statement 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Interest revenue calculated using the effective interest method 181,241 165,986 Other similar income 16,230 16,086 Interest expense and similar charges (85,182) (78,970) Net interest income 112,289 103,102 Fee and commission income 30,679 30,318 Fee and commission expense (6,766) (7,220) Net fee and commission income 23,913 23,098 Insurance net gain from trading - - Revenue related to insurance (incl. Interest) - - Expenses related to insurance activities - - Net income (expenses) from Insurance activity - - Net gain (loss) from derecognition of financial assets 176 3,747 Net gain from trading activities (excl. Insurance) 47 7,154 Other operating income 441 575 Net income 136,866 137,676 Salaries and related expenses (43,797) (39,681) Depreciation and amortization expenses (5,797) (5,923) Other operating expenses (37,202) (34,054) Operating profit before impairment losses 50,070 58,018 Allowance for impairment losses on loans and other assets (18,376) (3,213) Share of the profit or loss of investments in subsidiaries accounted for using the equity method 3,693 4,105 Profit from continuing operations before income tax 35,387 58,910 Income tax expense (7,443) (10,577) Net profit from continuing operations for the period 27,944 48,333 Profit (loss) from discontinued operations, net of tax - - Net profit for the period 27,944 48,333 Net profit attributable to: Owners of the Bank 27,944 48,333 From continuing operations 27,944 48,333 From discontinued operations - - Non-controlling interest - - Financial Group‘s condensed statement of comprehensive income 2026.01.01 - 2026.09.30 2025.01.01 - 2025.09.30 Net profit for the period 27,944 48,333 Other comprehensive income Items that may be subsequently reclassified to profit or loss: Gain from revaluation of financial assets (622) 964 Buildings revaluation reserve (12) - Deferred income tax on gain from revaluation of financial assets 137 (165) Other comprehensive income, net of deferred tax (497) 799 Total comprehensive income for the period 27,447 49,132 Total comprehensive income (loss) attributable to: Owners of the Bank 27,447 49,132 Non-controlling interest - -

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CONDENSED INTERIM FINANCIAL STATEMENTS (All amounts are in EUR thousand, unless otherwise stated) 36 NOTE 17 SUBSEQUENT EVENTS On 08 October 2026, the change of the AB „Artea bankas“ legal address was officially registered. The new registered address of the Bank is Konstitucijos pr. 14A, 09308 Vilnius (previously Tilžės str.149 LT-76348 Šiauliai). This event has no impact on the interim financial statements and is disclosed as a non- adjusting event after the reporting period. No other significant events have occurred after the end of the reporting period that would have an impact on these financial statements.

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CONFIRMATION FROM THE RESPONSIBLE PERSONS We, Acting Chief Executive Officer of Artea bankas AB Tomas Varenbergas and Acting Chief Financial Officer Paulius Daukša, hereby confirm that the provided condensed interim consolidated financial statements of Artea bankas AB for the nine-month period ended 30 September 2026 have been prepared in compliance with applicable accounting standards and present fairly, in all material respects, the assets, liabilities, financial position, results of operations and cash flows of Artea bankas AB and its Group. Acting Chief Executive Officer Tomas Varenbergas Acting Chief Financial Officer Paulius Daukša 28 October 2026

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a Interim Information For the nine months period ended 30 September 2026

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Artea bankas FINANCIAL SUMMARY 30 SEPTEMBER 2026

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CONDENSED INTERIM FINANCIAL STATEMENT THE NINE-MONTH PERIOD ENDED 30 SEPTEMBER 2026

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