Company Overview - Multitude Capital Oyj is a wholly-owned subsidiary of Multitude AG, acting as the funding vehicle for the Group by issuing bonds to support liquidity for operations [2] - Multitude AG is a listed European FinTech company providing digital lending and online banking services to consumers, SMEs, and institutional clients, operating through three independent business units: Consumer Banking (Ferratum), SME Banking (CapitalBox), and Wholesale Banking (Multitude Bank) [3] - The Group employs over 700 people and offers services in 17 European countries [3] Financial Performance - In 2025, Multitude Group achieved a revenue of 257 million euros [3] Recent Developments - The issued subordinated hybrid perpetual notes have been assigned a final long-term rating of 'B-' with a Recovery Rating 'RR6' by Fitch Ratings [1]