Delfin Group — Investor Presentation 2022

Mar 2, 2022

Recording of the Q4 and 12 months 2021 investor webinar

On March 2 AS DelfinGroup organized Investor Conference Webinar.

During the webinar Chairman of the Management board Didzis Ādmīdiņš and Chief Financial Officer Aldis Umblejs analyzed the unaudited financial results of Q4 and 12 months of 2021, informed about other key developments in the Company and answered participants’ questions.

To watch the webinar recording, please visit: bit.ly/3hy19NC.

The presentation demonstrated during the webinar is attached.

About AS DelfinGroup

AS DelfinGroup is a licenced technology-based financial services company that was established in 2009 and operates under the brand names Banknote and VIZIA. The company continuously develops and offers consumer and pawn loans, loans developed for senior citizens, Buy now pay later loans (BNPL loans), as well as sale of pre-owned goods both online and at more than 90 branches across Latvia. On average, 35 thousand loans are issued every month and serviced by the professional team of more than 270 AS DelfinGroup employees. The company has a total of over 400,000 registered customers. Since 2014, AS DelfinGroup has been known on the Nasdaq Riga Stock Exchange as a bond issuer and since 2021 as a share issuer on the Baltic Main List. The company’s IPO in 2021 attracted almost 6000 new shareholders. The company regularly pays dividends to its shareholders. In 2021, the company's net loan portfolio grew to EUR 43 million, while its EBITDA reached EUR 10.2 million, with profits before income tax for dividends EUR 5.2 million. The company’s sustainability is based on focused corporate governance, fintech innovation, responsible lending, financial inclusion and facilitating the circular economy. The company has been profitable every year since 2010.

For further information, please contact:

Aldis Umblejs

AS DelfinGroup Chief Financial Officer

Phone.: +371 26189988

E-mail: IR@delfingroup.lv