Delfin Group — Capital/Financing Update 2025

Sep 25, 2025

DelfinGroup registers new subordinated unsecured notes issue in amount of EUR 5 million

In order to further diversify the company’s funding structure, on 4 September 2025, AS DelfinGroup submitted documents to Nasdaq CSD, to register a new subordinated unsecured notes issue with the following characteristics:

ISIN	LV0000106631
Type of security	Subordinated unsecured notes
Issue size	EUR 5,000,000
Nominal value of 1 note	EUR 1,000
Annual coupon rate	11.5%
Coupon payment frequency	Monthly
Maturity	25 September 2030
Principal repayment	At maturity

Notes issue is structured as a private placement with EUR 100,000 minimum investment. Notes will be placed gradually, depending on the company’s subordinated capital requirements.

The notes issue is arranged by Signet Bank AS.

About DelfinGroup

DelfinGroup is a licenced fintech company established in 2009 and currently operating in Latvia and Lithuania. The company operates under the brand names Banknote and VIZIA. The company has been profitable every year since 2010. DelfinGroup continuously develops and offers consumer loans, pawn loans, and the sale of pre-owned goods online and at more than 80 branches across Latvia. Since 2014, DelfinGroup has been known on the Nasdaq Riga Stock Exchange as a bond issuer and, since 2021, as a listed company on the Baltic Main List. The company regularly pays dividends to its shareholders. The sustainability of DelfinGroup is based on focused corporate governance, fintech innovation, responsible lending, financial inclusion, and facilitating the circular economy.

Additional information:

Artūrs Dreimanis

DelfinGroup Head of Treasury and Investor Relations

Phone: +371 26189988

E-mail: IR@delfingroup.lv