Information on unaudited Financial statements for the twelve month period as at 31st of December of 2025

Core Insights - Urbo Bankas reported a net profit of EUR 5.5 million in 2025, which is 1.3 times lower than the EUR 7.4 million profit in 2024 [3] - The bank's total deposit portfolio increased by over 17% to EUR 655 million, while the loan portfolio grew by 31% to EUR 545 million [2][3] - Total assets reached EUR 740 million, a 17% increase from EUR 635 million the previous year [4] Financial Performance - Net interest income rose by 4% to EUR 23.9 million, despite a contraction in market interest margins [5] - The net result from foreign currency operations decreased by EUR 0.5 million to EUR 1.9 million, and net fee and commission income fell by EUR 0.7 million to EUR 2.9 million [6] - Shareholders' equity increased by 6% from EUR 64 million to EUR 68 million [4] Market Outlook - The CEO anticipates continued strong growth in 2026, driven by demand from small and medium-sized enterprises and growth in consumer and housing loans [7] - The Bank of Lithuania forecasts a GDP growth of 3.2% for the year, with rising average wages and declining inflation expected to support household consumption [8] - The bank employed 281 staff and operated 25 branches by the end of December 2025 [9]