Slides
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delfingroup Financial report Unaudited results of Q2 2026 Ending 30 June 2026
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Key results Financial performance Business highlights Appendix
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3 Key higlights Strong business and financial performance in Q2 2026 Revenue growth of 7% in H1 2026 Decreased administrative and selling expenses compared to last year Improvements in credit loss expenses L TM ROE 38%. Cost to income ratio 37%. Profit before tax +43%
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4 Key results Loan issuance in H1 2026 reached EUR 67 .3 million, up 7% compared to H1 2025. Loan portfolio continues a steady growth showing increase both in Latvia and Lithuania. Revenue amount steady quarter-on-quarter, while in H1 2026 up by 7% compared to last year, reaching EUR 39.8 million. While revenue growth stabilized over the last year following July 2025 regulatory changes to commission structures, this transitory impact is expected to fade, positioning the company for increasing top-line growth in upcoming quarters. Strategic cost discipline drove robust earnings growth in 2026, with profit before tax increasing 43% in Q2 and 50% in H1. Total loans Issued N et loan p ortfolio m € Q2 y-o-y Q2 y-o-y m € Q2 y-o-y Q2 y-o-y +6.9 +27% +1.6 +5% +27.5 +27% +23.7 +18% 26.1 26.5 27.0 30.0 33.0 38.3 33.6 32.7 34.6 101.5 107.7 113.5 121.0 129.0 139.2 144.4 147.7 152.7 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Total revenue Profit before tax m € Q2 y-o-y Q2 y-o-y m € Q2 y-o-y Q2 y-o-y +4.7 +31% +0.2 +1% +0.3 +11% +1.1 +43% 14.8 16.5 17.4 17.5 19.5 20.3 20.9 20.1 19.7 2.3 2.4 2.4 2.3 2.6 3.0 4.6* 3.6 3.7 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 *One-off effect of EUR 1 million.
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Key results Financial performance Business highlights Appendix
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6 Consumer loans The consumer loan portfolio growth was facilitated by the issuance growth in both markets - Latvia and Lithuania. Broad media campaign started in Latvia to promote Banknote brand. Slight increase of NPL ratio in Q2 mainly due to the use of external collection services that can be more cost-effective process rather than selling them. As a result, more non-performing loans remain on the balance sheet compared to previous periods. NPL amount is in line with company’s expectations. Consumer net loan portfolio Average loan* m € Q2 y-o-y Q2 y-o-y m € Q2 y-o-y Q2 y-o-y +26.7 +29% +24.6 +21% +467 +22% +312 +12% 92.9 98.8 104.0 111.3 119.6 130.9 136.4 139.3 144.2 2 119 2 201 2 324 2 489 2 586 2 718 2 789 2 879 2 898 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Weighted average term of loans issued Non-performing loan ratio Months Q2 y-o-y Q2 y-o-y Q2 y-o-y Q2 y-o-y +5.6 +15% +9.1 +21% +2.3pp +1.6pp 37.7 38.4 40.7 41.3 43.3 52,6 51.9 51.6 52.4 2.4% 4.5% 3.1% 3.8% 4.7% 4.3% 4.3% 6.1% 6.3% Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 *Average consumer loan balance for one client at the end of period.
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7 Consumer loans Lithuania 🇱🇹 In Q2 2026 the loan portfolio in Lithuania continued to increase by reaching EUR 10.9 million, up by 24% during a 3-month period and 40% since the start of the year. Growth of Lithuania consumer loan portfolio remains as a strategic goal for DelfinGroup , therefore, various activities are carried out to increase the market share in Lithuania. LT consumer net loan portfolio m € 1.4 3.4 Q1 2025 Q2 2025 6.0 Q3 2025 7.7 Q4 2025 8.7 Q1 2026 10.9 Q2 2026
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8 Pawn loans Pawn loan portfolio has remained stable over the last year, since the company has reached a distinct market leader position in Latvia. Over the last year company focused on the pawn portfolio profitability. Pawn net loan portfolio* m € Q2 y-o-y Q2 y-o-y +0.6 +12% -0.7 -13% 4.6 4.8 4.9 4.8 5.1 4.7 4.7 4.7 4.5 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Average pawn loan amount € Q2 y-o-y Q2 y-o-y +10 +9% +4 +3% 115 117 119 122 125 123 130 134 129 Q2 2024 Q1 Q3 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 * Active portfolio excluding portfolio part where collateral is available for sale.
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9 Retail of pre-owned goods* Retail sales of pre-owned goods in H1 2026 reached EUR 9.2 million, a slight decrease to last year’s comparable period. Comparative sales slightly decreased, driven in part by the termination of retail operations in Lithuania during H2 2026. As a part of cost optimization marketing activities have been significantly reduced for retail segment. As a result growth has slowed down but the segment operates with higher profitability. Sales of pre-owned goods m € Q2 y-o-y Q2 y-o-y +0.7 +17% -0.1 -2% 4.1 4.5 4.6 4.7 4.8 5.1 4.8 4.5 4.7 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 Online store sales m € Q2 y-o-y Q2 y-o-y +0.2 +22% +0.4 +36% 0.9 0.9 1.2 1.2 1.1 1.2 1.3 1.4 1.5 Q2 2024 Q3 Q4 Q1 Q2 2025 Q3 Q4 Q1 Q2 2026 * Including directly purchased goods from clients and unredeemed items from pawnshop. Excluding wholesale of precious metals (scrap).
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10 branch network 🇱🇻 Efficiency of the branch network has been set as a focus in Latvia to secure sustainable business operations. Banknote has extensive branch network across Latvia 88 stores in Latvia including 4 XL concept Banknote branches with wider store floor and increased product offering. New branch opened in a shopping mall in Riga, Augusta Deglava street 67 . Rīga 38 Presence in cities 88 Branches in Latvia 40+ Branches in Riga Augusta Deglava street 67 , Riga
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11 Changes in the Management and Supervisory Boards Management Board As of 30 April 2026 DelfinGroup Chief Risk & Data Officer Mārtiņš Sandars joined the Management Board of DelfinGroup. Mārtiņš is a part of DelfinGroup management team since 2023. Previously Mārtiņš has gained vast industry experience as Group Head of Risk at Eleving Consumer Finance, Head of Data Science at Finko and by holding senior positions in risk and data fields at 4Finance.
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Key results Financial performance Business highlights Appendix
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13 Consolidated income statement Significant improvement in credit loss expenses which have decreased by 3% compared to Q2 2025 and increased by 12% in H1 2026, while the net loan portfolio has increased by 18% over the last 12 months. Due to cost optimization process which was started in Q2 2025, selling and administrative expenses have decreased by 9% compared to H1 2025. Cost of sales decreased in the period due to a deferred gold scrap sale; this volume will be realized in Q3 2026, offsetting the variance. As a result of business growth and cost optimization, profit before tax grew by 43% compared to Q2 2025, while in H1 2026 it increased by 50%. Income statement, EUR’000 2026 Q2 2025 Q2 Change % Total revenue 19,663 19,511 +1% Cost of sales -1,917 -2,717 -29% Credit loss expenses -5,169 -5,324 -3% Interest and similar expenses -3,415 -3,067 +11% Gross profit 9,163 8,403 +9% Selling expenses* -3,789 -3,921 -3% Administrative expenses* -1,671 -1,900 -12% Other operating income 132 63 +111% Other operating expenses -136 -53 +157% Profit before tax 3,699 2,591 +43% Income tax expense -811 -619 +31% Net profit 2,888 1,972 +46% 2026 6M 2025 6M Change % 39,765 37,039 +7% -3,959 -4,672 -15% -11,133 -9,982 +12% -6,806 -5,933 +15% 17,868 16,452 +9% -7,255 -7,780 -7% -3,260 -3,731 -13% 226 100 +127% -310 -185 +68% 7,270 4,856 +50% -1,572 -1,114 +41% 5,698 3,742 +52% * Selling and administrative expenses restated from previous reports. The total sum of both positions remain unchanged.
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14 Consolidated balance sheet Balance sheet, EUR’000 Fixed and intangible assets Right-of-use assets Net loan portfolio Inventory and scrap Other assets Cash Total assets Equity Share capital and reserves Share premium Other capital reserves Retained earnings Liabilities Interest-bearing debt Trade payables and other liabilities Lease liabilities for right-of-use assets Total equity and liablities 30.06.2026 3,008 2,629 152,705 3,172 8,067 2,057 171,639 32,696 4,547 6,891 305 20,953 138,943 128,797 7,180 2,966 171,639 31.12.2025 2,944 2,938 144,394 2,947 5,820 3,539 162,582 30,144 4,545 6,891 275 18,433 132,438 123,134 6,043 3,261 162,582 Change % +2% -11% +6% +8% +39% -42% +6% +8% +0% +0% +11% +14% +5% +5% +19% -9% +6%
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Financial ratios Adjusted equity ratio** 36.2%40% 30% 20% 10% 0 Q2 2024 35.8% Q3 34.8% Q4 EBITDA margin* 34.0% 32.8%32.8% Q2 2025Q1 Q3 35.0% Q4 36.1% Q1 37.9% 40% 30% 20% 10% 0 Q2 2026 26.3% 26.5% 26.7% 26.2% 24.4% 23.9% 24.7% 24.9% 22.9% Q2 2024 Q2 2025 Q2 2026Q3 Q4 Q1 Q3 Q4 Q1 Slight decrease of adjusted equity ratio due to a partial repurchase of subordinated bonds during Q2 2026 to optimize financing costs. Cost of interest-bearing liabilitiesCost-to-income ratio* 100% 80% 60% 46.8% 40% 20% 0 Q2 2024 46.6% Q3 46.3% Q4 46.1% Q1 44.9% Q2 2025 43.3% Q3 40.2% Q4 37.7% Q1 100% 80% 60% 36.8% 40% 20% 0 Q2 2026 15% 11.6% 10% 5% 0 Q2 2024 11.3% Q3 11.1% Q4 11.1% Q1 10.6% Q2 2025 10.5% Q3 10.1% Q4 9.9% Q1 15% 9.6% 10% 5% 0 Q2 2026 15 *Last 12 months figures. **Including subordinated debt ROE* 40% 30.6%30% 20% 10% 0 Q2 2024 29.5% Q3 30.9% Q4 30.4% Q1 29,9% Q2 2025 30.4% Q3 35.0% Q4 36.9% Q1 38.0% 40% 30% 20% 10% 0 Q2 2026 Interest coverage ratio* 3.0 2.1 2.0 1.0 0 Q2 2024 2.0 Q3 2.0 Q4 2.0 Q1 2.0 Q2 2025 2.0 Q3 2.1 Q4 2.2 Q1 3.0 2.3 2.0 1.0 0 Q2 2026
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16 Capital markets & funding highlights Bonds New bond issuance of EUR 35 million via private placement to redeem maturing bonds of EUR 15 million. Coupon rate 9.5%, maturity of 3 years, minimum subscription amount EUR 100,000. On 25 June DelfinGroup successfully redeemed bonds ISIN LV0000802700 in the amount of EUR 2.2 million. During the LV0000860146 bond exchange offer, bonds worth of EUR 7 .9 million were exchanged to LV0000111441 bonds. Consequently bonds LV0000860146 issue amount was reduced to EUR 7 ,2 million. During the LV0000870145 subordinated bond exchange offer, bonds worth of EUR 3.9 million were exchanged to LV0000112134 bonds. Consequently bonds LV0000870145 issue amount was reduced to EUR 1.1 million. DelfinGroup has announced a conditional early redemption of bonds with ISIN LV0000860146 and LV0000870145 on 25 August 2026. The purpose of the early redemption is to optimise the company’s financing costs and to address the approaching maturity of the bonds with ISIN LV0000860146, which was originally scheduled for 25 November 2026. Investment platforms DelfinGroup partners with Bankers Group to raise financing in Japan with available funding amount up to EUR 5 million. Mintos risk score for VIZIA - 9. 1 and Banknote - 8.6. Risk scores on Mintos remain as one of the best scores on the platform. Mintos exposure in Q2 2026 increased by 2.5 million euros.
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17 Capital structure Equity 32.7 m €20%20% Subordinated bonds 6.5 m € 4% Mintos 30.3 m € Unsecured bonds 60.9 m € 19% 37% Banks 33.0 m € DelfinGroup on Mintos Since 2016 Investors from 100+ countries Active investors 80+ thousand Bond financing track record* m € 25.0 16.015.0 15.0 15.0 10.0 10.0 5.0 3.5 5.0 5.0 3.5 5.0 5.0 5.0 4.5 2013 Secured 14% R e p aid 2014 2016 2019 2020 2021 2021 2022 2023 2023 2023 2024 2024 2025 2025 2026 Unsecured Unsecured Secured Unsecured Unsecured Unsecured Unsecured Subordinated Unsecured Unsecured Subordinated Unsecured Unsecured Subordinated Unsecured 15% 14% 14% 12% 9.75% 8% 8 . 75% + 3M EURIBOR 11 .50% + 3M EURIBOR 9 . 00% + 3M EURIBOR 9 . 00% + 3M EURIBOR 11 . 00% + 3M EURIBOR 10% 9.5% 11 .5% 9.5% R e p aid R e p aid C alled C alled R e p aid R e p aid R e p aid R e p aid R e p aid Active Active Active Active Active Active Baltic Bond List Baltic Bond List F irs t N ort h F irs t N ort h P rivat e P lacement P rivat e P lacement F irs t N ort h F irs t N ort h F irs t N ort h F irs t N ort h F irs t N ort h F irs t N ort h R e g ulate d Market F irs t N ort h P rivat e P lacement P rivat e P lacement Schedule of maturities m € 9.3 35.3 Mintos Banks Bonds 2.453.6 23.9 6.2 15.0 24.9 16.8 3.2 6.2 8.9 7.17.23.1 2026 2027 2028 2029 2030 2031 *In nominal value 29.75 4.5 1.7
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18 Stock analysis updates The latest analyst updates on DelfinGroup stock valuation Enlight research Bull 2.41 EUR 60%* Base 2.00 EUR 32%* Bear 1.62 EUR 7%* Signet Bank 1.88 EUR 25%* * Potential upside from 3 August 2026 stock price of EUR 1.51
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19 Dividends Unique dividend distribution proposal in Baltics Quarterly dividends At least 4 dividend payments per year Up to 50% from previous Q profit Dividend yield 8.3%* *Based on share price of EUR 1.525 on 30 June 2026 and including management’s proposed dividends from Q2 2026 net profit. Dividend period Dividend payment date EUR/ Share EUR Total Payout ratio*** Q2 2026 Upon shareholders approval** 0.0317** 1 441 479** 49.91** Q1 2026 29.06.2026 0.0308 1 400 553 49.84% Q4 2025 17.04.2026 0.0391 1 777 975 50.00% Q3 2025 30.12.2025 0.0256 1 163 492 49.88% Q2 2025 29.09.2025 0.0217 981 258 49.99% Q1 2025 30.06.2025 0.0194 880 885 49.79% Q4 2024 07.04.2025 0.0223 1 012 564 49.93% Q3 2024 30.12.2024 0.0210 953 535 49.79% Q2 2024 01.10.2024 0.0202 916 626 49.76% Dividend period A nn u al A nn u al A nn u al Dividend payment date 11.07.2025 12.07.2024 17.05.2022 , 15.07.2022 EUR/ Share 0.0092 0.0088 0.0552 EUR Total 417 739 399 322 2 501 642 **Proposed dividends, distribution is subject to Shareholders meeting decision.
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Share performance DelfinGroup investors have received additionally EUR 0.4583 per share in dividends since IPO. 30.06.2026 Capitalization m € EPS TTM € P/E ROE (LTM) DelfinGroup 69.3 0.255 6.0 38.0% 20 Share price and turnover, € 1.6 1.5 1.4 1.3 1.2 1.1 1 0.9 0.8 0.7 0.6 03.01.2024 03.05.2024 03.09.2025 03.01.2025 DelfinGroup share price 03.05.2025 03.09.2026 03.01.2026 DelfinGroup share turnover 180 000 162 000 144 000 126 000 108 000 90 000 72 000 54 000 36 000 18 000 03.05.2026 0
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Key results Financial performance Business highlights Appendix
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22 Consolidated income statement Income statement, EUR’000 Total revenue Cost of sales Credit loss expenses Interest expenses and similar expenses Gross profit Selling expenses Administrative expenses Other operating income Other operating expenses Profit before tax Income tax expense Net profit Q1 11,333 -1,372 -2,467 -1,792 5,702 -2,062 -1,766 15 -64 1,825 -212 1,613 2023 Q2 Q3 11,970 13,208 -1,096 -1,641 -2,770 -2,843 -2,052 -2,285 6,052 6,439 -2,054 -2,243 -1,957 -1,941 12 11 -82 -92 1,971 2,174 -202 -226 1,769 1,948 Q4 13,912 -1,977 -2,607 -2,450 6,878 -2,388 -2,063 37 -145 2,319 -1,021 1,298 Q1 14,260 -1,505 -3,421 -2,561 6,773 -3,102 -1,554 25 -103 2,039 -420 1,619 2024 Q2 Q3 14,838 16,503 -1,166 -1,983 -3,550 -4,072 -2,662 -2,797 7,460 7,651 -3,181 -3,387 -1,876 -1,836 38 72 -117 -81 2,324 2,419 -482 -504 1,842 1,915 Q4 17,353 -2,374 -4,060 -2,891 8,028 -3,544 -1,861 46 -277 2,392 -492 1,900 Q1* 17,527 -1,956 -4,658 -2,865 8,048 -3,858 -1,831 37 -132 2,264 -495 1,769 2025 Q2* Q3 19,511 20,263 -2,717 -2,612 -5,324 -5,855 -3,067 -3,356 8,403 8,440 -3,921 -3,560 -1,900 -1,786 63 166 -53 -279 2,591 2,981 -619 -648 1,972 2,332 Q4 20,939 -2,416 -5,370 -3,474 9,679 -3,261 -1,699 140 -282 4,577 -1,035 3,542 2026 Q1* Q2 20,103 19,663 -2,042 -1,917 -5,964 -5,169 -3,391 -3,415 8,706 9,163 -3,465 -3,789 -1,589 -1,671 94 132 -175 -136 3,571 3,699 -761 -811 2,810 2,888 *Selling and administrative expenses restated according to 6-month unaudited report of 2026.
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23 Consolidated balance sheet 2023 2024 2025 2026Balance sheet, EUR’000 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4* Q1 Q2 Q3 Q4 Q1 Q2 Fixed and intangible assets 1,595 1,823 2,150 2,680 2,814 3,032 3,192 3,228 3,241 3,254 3,172 2,943 2,945 3,008 Right-of-use assets 2,698 2,712 2,655 2,887 2,701 2,804 2,736 2,653 2,618 2,923 3,021 2,938 2,776 2,629 Net loan portfolio 73,453 78,099 84,552 89,026 95,554 101,549 107,734 113,474 120,992 129,041 139,200 144,394 147,687 152,705 Inventory and scrap 3,909 4,662 3,571 3,391 3,558 3,782 3,905 3,990 4,014 3,639 3,082 2,947 3,014 3,172 Other assets 1,042 1,105 1,081 1,149 893 1,860 1,370 2,014 2,255 5,301 6,060 5,820 7,650 8,067 Cash 2,398 3,013 3,222 5,929 2,995 4,354 5,546 1,644 1,518 3,356 2,802 3,539 1,590 2,057 Total assets 85,095 91,415 97,232 105,061 108,515 117,381 124,483 127,003 134,638 147,514 157,337 162,582 165,661 171,639 Equity 18,915 19,917 21,016 21,322 22,332 22,972 23,996 24,929 25,710 26,373 27,747 30,144 31,200 32,696 Share capital and reserves 4,532 4,532 4,532 4,538 4,538 4,538 4,538 4,541 4,541 4,541 4,543 4,546 4,546 4,547 Share premium 6,891 6,891 6,891 6,891 6,891 6,891 6,891 6,891 6,891 6,891 6,891 6,891 6,891 6,891 Other capital reserves 128 163 198 170 210 215 240 223 248 238 259 274 299 305 Retained earnings 7,364 8,331 9,395 9,724 10,694 11,329 12,327 13,274 14,030 14,704 16,055 18,433 19,466 20,953 Liabilities 66,179 71,498 76,216 83,739 86,183 94,409 100,487 102,074 108,928 121,141 129,590 132,438 134,461 138,943 Interest-bearing debt 59,840 65,872 71,336 76,971 78,152 86,298 92,190 94,662 99,597 111,983 120,203 123,134 123,428 128,797 Trade payables and other liabilities 3,365 2,629 1,934 3,600 5,045 5,015 5,263 4,458 6,409 5,917 6,044 6,043 7,921 7,180 Lease liabilities for right-of-use assets 2,974 2,997 2,946 3,168 2,986 3,096 3,034 2,954 2,922 3,241 3,343 3,261 3,112 2,966 Total equity and liablities 85,095 91,415 97,232 105,061 108,515 117,381 124,483 127,003 134,638 147,514 157,337 162,582 165,661 171,639
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Historic timeline160 140 120 Net Loan Portfolio, Millions EUR 100 80 60 40 24 20 0 First Pawn Shop Opened 2009 50 Branches Opened in Major Cities of Latvia 2010 Consumer Loan Product Launched 2011 2012 First Bonds Issued First Bonds Listed on Nasdaq Stock Exchange 2013 2014 Rebranding to: Joined the Global Lending Marketplace Platform: 2015 2016 2017 Launch of Online Lending Brand: Corporate Identity Changed to: 2018 2019 2020 DelfinGroup joins Initial Public Offering at Nasdaq Riga Launch of Consumer Lending in Lithuania Start of Operations in Lithuania 🇱🇹 Renewal of Banknote Online Store: veikals.banknote.lv 2021 2022 2023 2024 2025
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Sales split by product category Sales split by product category (Q2 2026) 23% 33% 13% 13% 10% 8% Jewelry Smartphones Other Computer Equipment TV , Audio, Video, Photo Power Tools Clients have access to a wide range of pre-owned goods at Banknote online store and branch network. The most demanded product categories are electronics, such as smartphones, computers, TVs and jewelry. Jewelry is professionally renewed and sold with its original appearance but for a more affordable price. 25
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2 6 Definitions for alternative performance measures EBITDA Earnings before interest, taxes, depreciation and amortization = (Profit before tax) + (Interest expenses and similar expenses) + (Rights of used assets depreciation) + (Depreciation of fixed assets) + (Amortization). Used as a measure of corporate performance as it shows earnings before the influence of accounting and financial deductions. EBITDA Margin Operating profitability as a percentage of its total revenue, calculated as EBITDA / (Interest income + Gross profit from sale of foreclosed items). Used as a profitability measure that is factoring out the effects of decisions related to financing and accounting. Interest Coverage Ratio Profitability and debt ratio, calculated as EBITDA / Interest expenses and similar expenses. Used to determine how easily a company can pay interest on its outstanding debt. Cost-to-Income Ratio ((Sales expenses) + (Administrative expenses) + (Other expenses (excluding result from cession (debt sales) of non-performing loans)) ) / ((Net sales) – (Cost of sales) + (Interest income and similar income) + (Other operating income) – (Interest expenses and similar expenses)) Return on Equity (ROE) Net profit for the period/months in the period*12 / ( ((Equity as at start of the period) + (Equity as at period end)) / 2) Total Revenue Net sales + Interest income and similar income. Represents income generated by ompany ’ s business segments. Interest-Bearing De b t L iabilities that require the payment of interest, including bonds, other loans, leasing liabilities etc. Interest-Bearing Debt has a priority over other debts. Cost o f Interest-Bearing L ia b ilities W eighted average nominal interest rate calculated by amount of interest bearing liabilities as at period end Equity Ratio Equity/Total assets N on- P er f orming L oan Ratio 90 + days overdue portfolio share in consumer loan portfolio Divi d en d Y iel d Dividends per share paid over the last 12 months / price per share. If additional dividend payment is proposed by the company ’ s M anagement Board but not yet paid, it is included in the calculation, and the last 12 months are calculated from the proposed dividend payment date. The goal of alternative performance measures is to provide investors with performance measures that are widely used when making investment decisions and comparing the performance of different companies.
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27 Disclaimer This presentation is of selective nature and is made to provide an overview of the company’s (AS DelfinGroup and its subsidiaries) business. Unless stated otherwise, this presentation shows information from consolidated perspective. Facts and information used in this presentation might be subject to revision in the future. Any forward-looking information may be subject to change as well. This presentation is not a legally binding document, and the Company has no liability for any direct or indirect loss from the use of this presentation. This presentation does not intend to contain all the information that investors may require in evaluating the Company. Investors should read publicly available information regarding the Company to make an investment decision.
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AS DelfinGroup Skanstes Street 50A, Riga, Latvia, LV-1013 IR@delfingroup.lv (+371) 26 18 99 88 www.delfingroup.lv