Delfin Group — Capital/Financing Update 2026

May 22, 2026

DelfinGroup announces early redemption of the bond ISIN LV0000802700

In accordance with Section 3.2.9 of the prospectus for the subordinated bonds ISIN LV0000802700, DelfinGroup announces that the subordinated bonds will be redeemed in full before maturity on 25 June 2026, with the record date set on 24 June 2026. In accordance with the prospectus, the bonds will be redeemed with a premium of 1% of the early redemption amount.

Taking into account the exchange offer for subordinated bonds LV0000802700 implemented in April 2026, which resulted in investors exchanging their bonds worth EUR 2,845,000 for new subordinated bonds LV0000106631, DelfinGroup will redeem the remaining bonds in full for EUR 2,155,000. The purpose of redeeming the subordinated bonds LV0000802700 is to optimize the company’s financing costs.

About DelfinGroup

DelfinGroup is a licensed Latvian fintech company founded in 2009 and is a part of the INDEXO group since 2025. DelfinGroup currently operates 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