Core Insights - AB Artea bankas is entering negotiations with the European Investment Bank (EIB) to establish a new fund aimed at modernizing multi-apartment buildings in Lithuania, with projected assets of up to EUR 625 million [1] - The new fund is part of the Holding Fund Lithuania 2021-2027, which focuses on energy efficiency investments in multi-apartment buildings [2] - The goal of the new fund is to attract an additional EUR 525 million to EUR 100 million from local and international financial institutions and pension funds [3] Company Overview - Artea Bank has been active in the apartment building modernization financing market since 2010, managing two successful funds [4] - The bank emphasizes its commitment to increasing energy efficiency and addressing climate change in Lithuania [5] - Since 2022, Artea Bank has managed the EUR 275 million Artea Retrofit Fund 1, financing the modernization of 394 buildings, and the EUR 200 million Artea Retrofit Fund 2, financing 272 buildings [6] Financial Performance - In the first nine months of the current year, Artea Bank earned EUR 13.9 million in interest income from modernization loans and EUR 6.5 million in fees and commissions from fund administration [7] - Over 15 years, Artea Bank has financed the renovation of 3,140 apartment buildings for more than EUR 1.26 billion, covering approximately 60% of Lithuania's apartment building modernization financing market [8]

Core Viewpoint - Artea Bank has announced a new share buyback program, which aims to enhance share liquidity on the stock exchange and is set to run until the start of the next blackout period related to the end of the 2025 financial year [2]. Group 1: Share Buyback Program Details - The share buyback program will commence on December 1, 2025, and conclude on January 23, 2026, with a maximum acquisition of 3,369,750 shares [5]. - The bank has received permission from the ECB to repurchase up to 4,500,000 shares, valid for one year from September 23, 2025 [4]. - The maximum purchase price per share will not exceed the higher of the last independent trading price or the highest independent bid price for a specific transaction on Nasdaq Vilnius [5]. Group 2: Compliance and Regulations - The buyback will be conducted in compliance with the safe harbour requirements set out in Regulation (EU) No 596/2014 and related regulations [3]. - The bank will limit its daily share repurchases to no more than 25% of the average daily trading volume calculated over the month preceding the announcement of the program [5]. Group 3: Communication and Reporting - Artea Bank will publish information on completed transactions from the previous calendar week on the first working day of each calendar week [2].

During the Investor Conference Webinar by Vytautas Sinius, CEO, Tomas Varenbergas, CFO, Indrė Genytė-Pikčienė, Chief Economist and Tautvydas Mėdžius, Strategy Partner introduced the Bank’s financial results for 9M 2025 and recent developments and answered the participant questions afterwards. The recording of it can be found on Artea youtube channel there. Presentation and the recording of webinar are also posted on the Bank's website www.artea.lt/en/investors Artea Bank thanks all participants. If you woul ...

Core Insights - REFI Sun, owned by INVL Renewable Energy Fund I, successfully raised over EUR 5 million through a public bond offering aimed at financing renewable energy projects and optimizing its loan portfolio [1][2] - The bonds have a maturity of 2 years and 4 months with an annual yield of 8.5%, and interest payments will be made quarterly [2] - The offering attracted significant interest, with 5,180 bond purchase orders received, resulting in the allocation of 5,000 bonds for EUR 5.08 million [3] Investment Details - The majority of the proceeds (89.5%) were raised in Lithuania, with smaller contributions from Latvia (7.3%) and Estonia (3.2%) [3] - A total of 331 investors participated, with 11.4% being institutional investors and 88.6% retail investors [3] - The bond offering is part of a EUR 25 million bond program approved by the Bank of Lithuania [5] Market Context - The success of the bond offering indicates a growing interest among Baltic investors in renewable energy projects, which are increasingly viewed as a mature investment avenue [4] - The fund is focusing on the Polish and Romanian markets, where it sees significant growth potential, with a total project capacity of 389 MW [6][7] - Investments in Romania and Poland are projected to exceed EUR 250 million, with over EUR 100 million already invested in project acquisition and construction as of October 2025 [7] Fund Overview - INVL Renewable Energy Fund I was established on July 20, 2021, by INVL Asset Management, focusing on early- and mid-stage renewable energy projects in the EU [9] - The fund has raised a total of EUR 93.98 million from investors through investment units and bonds issued by its controlled companies [8]

Core Points - Artea Bank is hosting an Investors Webinar on Q3 2025 financial results scheduled for 30 October 2025 at 8:30 am (EET) [1] - The webinar will feature key executives including the CEO, CFO, Chief Economist, and Strategy Partner discussing financial results and recent developments [2] - Participants are encouraged to submit questions in advance to enhance engagement during the session [2] Company Information - The Q3 2025 financial results will be announced on 29 October after trading hours, providing stakeholders with timely information [2] - Registration for the webinar is required, and a link will be provided upon successful registration [3] - The webinar will be recorded and made available on Artea's website for broader access [3]

Core Viewpoint - Artea Bank has successfully completed its share buyback program, acquiring a total of 1,130,250 treasury shares for EUR 930,595.08, reflecting the bank's commitment to enhancing shareholder value [1][3]. Group 1: Buyback Program Details - The buyback program was approved by the Management Board on 1 October 2025, following a decision made at the Ordinary General Meeting of Shareholders on 31 March 2025 [2]. - The program was authorized by the European Central Bank (ECB) on 23 September 2025, allowing the bank to repurchase up to 4,500,000 shares [2]. Group 2: Financial Impact - During the buyback period from 6 October to 24 October 2025, Artea Bank acquired shares at an average price of EUR 0.823 per share [1]. - The total expenditure for the buyback amounted to EUR 930,595.08 [1]. Group 3: Future Outlook - The CFO of Artea Bank, Tomas Varenbergas, indicated that future buyback activities will depend on market conditions and other circumstances [3].

Partnership Overview - Artea Bank is entering a long-term strategic partnership with Žalgiris Kaunas, a prominent basketball club in Lithuania, to enhance community engagement and brand recognition [1][2] - The partnership aims to launch co-branded products and develop joint projects, reflecting shared values of ambition and community [1] Strategic Goals - Artea Bank's strategic ambition is to become the best bank in Lithuania and the preferred choice for residents and businesses [3] - The new brand campaign introduced by Artea emphasizes values that resonate with the community, aiming to strengthen its connection with the Lithuanian identity [3] Community Impact - The partnership is seen as a natural fit, linking Artea Bank to a unifying sports organization that embodies community spirit in Lithuania [2] - Žalgiris Kaunas is viewed as more than a sports club; it represents unity among families and youth, which aligns with Artea's community-focused approach [1][2]

On 15 September, 2025 The international rating agency Moody’s Ratings (“Moody’s”) has affirmed Baa1 Artea Bank long-term deposit and senior unsecured debt rating with stable outlook. “Moody‘s once again recognized our strong capitalization supported by sound earnings and strong liquidity. We expect sound profitability and efficiency gains while responsibly managing risks. Ratings reflect confidence in our long-term strategy," says Vytautas Sinius, CEO of Artea Bank. The stable outlook on ratings reflects M ...

Financial Performance - Invalda INVL reported equity of EUR 225.9 million at the end of June 2025, representing a 27.4% increase year-over-year, with an equity per share of EUR 18.73, up 27.5% [1] - The company achieved an unaudited net profit of EUR 18 million in the first half of 2025, a 53.8% increase from EUR 11.7 million in the same period last year [1] Dividends and Shareholder Returns - In 2025, Invalda INVL paid dividends of EUR 1.25 per share, the largest in its history, totaling EUR 87.4 million paid out to shareholders since its listing [2] Asset Management and Investments - The assets under management of Invalda INVL's companies reached EUR 2 billion at the end of June 2025, a 26.9% increase year-over-year and an 18.5% increase since the start of 2025 [4] - Revenue from asset management totaled EUR 8.7 million in the first half of 2025, a 46.6% increase compared to the same period in 2024 [5] Strategic Initiatives - The company has over EUR 400 million in free cash available for investments across the Baltic countries, Poland, Romania, and other nearby markets, actively seeking acquisition opportunities [6] - The INVL Baltic Sea Growth Fund completed an equity investment in the Pehart Group, finalizing a portfolio of 10 companies in the Baltics, Poland, and Romania [7] Renewable Energy Investments - The INVL Renewable Energy Fund I secured EUR 29.3 million in new financing for solar power plant construction, and REFI Sun raised EUR 15 million through a public bond offering [8] Portfolio Management - Invalda INVL's other equity investments contributed EUR 16.9 million to earnings in the first half of 2025, positively influenced by strong performance from banks in which the company holds stakes [10][11] - The company reported significant contributions from its investments in Artea Bank and maib, with net profits of EUR 31.9 million and EUR 42.5 million respectively, impacting Invalda INVL's results positively [11] Industry Outlook - The CEO of Invalda INVL noted that the business climate remains uncertain and rapidly changing, emphasizing the need for adaptability and the opportunities it presents [3]

Core Insights - REFI Sun, part of the INVL Renewable Energy Fund I, successfully completed a public bond placement of EUR 15 million aimed at financing renewable energy projects in Poland and Romania [1][2][3] Group 1: Bond Offering Details - The bond offering raised EUR 15 million, with total demand reaching EUR 15.636 million from 567 investors [2][6] - The bonds have a 2.5-year maturity with an annual interest rate of 8.5%, payable quarterly, and a minimum investment amount of EUR 1,000 [6] - Institutional investors acquired 57.75% of the bonds, while retail investors received 42.25% [6] Group 2: Project Financing and Development - Proceeds from the bond will finance a portfolio of solar power projects with a total capacity of 389 MW in Poland and Romania [2][9] - The fund's total investments in these markets are expected to exceed EUR 250 million, with over EUR 90 million already invested as of June 2025 [9][10] - The construction of all solar parks is anticipated to be completed by the end of 2027 [9] Group 3: Market and Investor Confidence - The bond issuance reflects strong investor confidence in the fund's renewable energy initiatives in Poland and Romania [3][5] - The offering allows investors to diversify their portfolios while contributing to sustainable development goals [5] - Increased interest from institutional investors has been noted compared to previous bond offerings [3]