MULTITUDE CAPITAL OYJ, STOCK EXCHANGE RELEASE, 18 December 2025 at 17:30 (EET), Choice of the Home Member State Helsinki, 18 December 2025 – Multitude Capital Oyj (the “Company”), a wholly-owned subsidiary of Multitude AG, announces that the Company has chosen Finland as its home Member State for the purposes of Directive 2004/109/EC of the European Parliament and of the Council of 15 December 2004 on the harmonisation of transparency requirements in relation to information about issuers whose securities a ...

Core Insights - Multitude AG, a European FinTech company, has announced its financial report publication dates for 2026, including preliminary and full-year results [1] - The company operates through three independent business units: Consumer Banking (Ferratum), SME Banking (CapitalBox), and Wholesale Banking (Multitude Bank) [2] - Multitude achieved a combined turnover of 274 million euros in 2024 and employs over 700 people across 25 countries [2] Financial Reporting Schedule - Silent Period: 10.02.2026 – 11.03.2026, followed by preliminary results on 12.03.2026 [1] - Full year 2025 results will be published on 26.03.2026 for Multitude AG, Multitude Bank p.l.c., and Multitude Capital Oyj [1] - Annual General Meeting is scheduled for 24.04.2026 [1] Business Operations - Multitude provides digital lending and online banking services to consumers, SMEs, and other FinTechs, targeting those overlooked by traditional banks [2] - The company is registered in Switzerland and listed on the Prime Standard segment of the Frankfurt Stock Exchange under the symbol 'MULT' [2] - Services are offered in 17 countries, showcasing the company's extensive reach in the FinTech sector [2]

Core Insights - Multitude AG has expanded its Wholesale Banking loan portfolio with two secured credit facilities totaling €12.5 million to Placet Group OÜ, a prominent Estonian FinTech [1][2] - The partnership aims to support Placet Group's growth in Estonia and enhance its financial solutions for both private and corporate clients [4][5] Company Overview - Multitude AG is a listed European FinTech company providing digital lending and online banking services to consumers, SMEs, and other FinTechs, with a turnover of €264 million in 2024 [6] - The company operates through three independent business units: Consumer Banking (Ferratum), SME Banking (CapitalBox), and Wholesale Banking (Multitude Bank) [6] Placet Group Profile - Placet Group, founded in 2005, is a leading non-bank lender in Estonia, serving over 200,000 customers with a range of products including short-term loans, credit lines, and mortgage loans [3][7] - The company utilizes a technology-driven approach and an AI-powered credit scoring system to facilitate fast and responsible lending [8] Business Growth - Multitude's Wholesale Banking division has experienced significant growth, with its loan portfolio increasing by 185% from €73 million at the start of 2024 to €202 million as of Q3 2025 [5] - The division has expanded its presence to eight countries, focusing on structured financing and embedded payment solutions [5]

Core Insights - Multitude AG has outlined its strategic outlook and financial guidance for 2028, focusing on organic growth, M&A, and partnerships to enhance profitability and customer value [2][3][4] Financial Guidance and Outlook - The company projects a net profit of EUR 30 million in 2026, with a 20% annual growth expected for 2027 and 2028 [2][4] - Multitude aims to improve its Cost-to-Income Ratio (CIR) from 48% to 40% by 2028 and achieve a Return on Tangible Equity (RoTE) exceeding 20% [4] - The net profit has increased from EUR 1.2 million in 2021 to EUR 20.2 million in 2024, with a reduction in CIR from 61% in 2021 to 48% at 9M 2025 [6] Business Unit Highlights - The Consumer Banking unit (Ferratum) operates in 13 European markets with EUR 517 million in assets, targeting a 10% annual growth in EBT over three years [7] - The SME Banking unit (CapitalBox) manages EUR 161 million in assets and aims for a single-digit million positive EBT for 2026, followed by 50% annual growth from 2026 to 2028 [8] - The Wholesale Banking unit (Multitude Bank) has seen a 79.1% growth in its portfolio year-to-date and targets 50% annual EBT growth from 2026 to 2028 [9] Strategic Direction - The company is entering its sixth strategy generation cycle, focusing on scaling its growth platform and leveraging AI and automation for operational efficiency [3][10] - Multitude's vision is to build the most valuable financial platform for overlooked customers, emphasizing continuous revenue growth and diversification [2][3]

Core Insights - Multitude AG is a European FinTech company that provides digital lending and online banking services to consumers, SMEs, and other FinTechs, focusing on those overlooked by traditional banks [3] Group 1: Company Overview - Multitude operates through three independent business units: Consumer Banking (Ferratum), SME Banking (CapitalBox), and Wholesale Banking (Multitude Bank) [3] - The company employs over 700 people across 25 countries and offers services in 17 countries [3] - In 2024, Multitude achieved a combined turnover of 274 million euros [3] Group 2: Upcoming Events - Multitude AG will host a combined 9M Financial Results Earnings Call and Capital Markets Day 2025 webcast on 13 November 2025, starting at 13:00 CET [2] - The Capital Markets Day presentation will begin at 13:45 CET [2] - Registration for the webcast is available on the company's website [2]