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INDEXO Investor Presentation 2026
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Investor Presentation
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INDEXO Group Q1 2026 results
PERIOD
1 Jan – 31 Mar
PRESENTED
13 May 2026
INDEXO GROUP
INDEXO is a catalyst for positive change
Our contribution in Q1 2026:
- "Jauda" is a 100% equity pension 2nd pillar plan managed by IPAS INDEXO
INDEXO GROUP
GLOSSARY
Key abbreviations used throughout this presentation
| ARR | Annualised Run-Rate |
|---|---|
| AUM | Assets Under Management |
| BoL | Bank of Latvia |
| CAD | Capital Adequacy |
| CB | Central Bank |
| CET1 | Common Equity Tier 1 |
| CPI | Consumer Price Index |
| CRPC | Consumer Rights Protection Centre |
| ECL | Expected Credit Loss |
| EURm | Million EUR |
| EURtht | Thousand EUR |
| FTE | Full-Time Equivalent (employee count) |
| IFRS | International Financial Reporting Standards |
| --- | --- |
| LCR | Liquidity Coverage Ratio |
| LGD | Loss Given Default |
| NCI | Net Commission Income |
| NII | Net Interest Income |
| NIM | Net Interest Margin |
| NSFR | Net Stable Funding Ratio |
| PD | Probability of Default |
| ROE | Return on equity |
| ROA | Return on assets |
| YTD | Year-To-Date |
| EPS | Earnings per share |
INDEXO GROUP
Group overview
Q1 2026 at a glance
| NET PROFIT, EUR | TOTAL REVENUE, EUR | LOAN PORTFOLIO (net), EUR | CUSTOMER ACCOUNTS* |
|---|---|---|---|
| 142.5t | 12.7m | 248m | 546t |
| KEY HIGHLIGHTS | INDEXO Bank + Pensions | DelfinGroup | |
| 216.9 | 329.1 | ||
| *Pension (2nd/3rd pillar) and bank clients counted separately; some customer segments may overlap. DelfinGroup figure includes all clients with transaction history. | |||
| Group profitable since January 2026 | GROUP NET PROFIT BY BUSINESS SEGMENTS | ||
| New loan issuance at Group level exceeds EUR 58m in Q1 2026 | INDEXO Banka | - EUR 2.25m | |
| Strong consolidated capital and liquidity position | INDEXO Pension Business | + EUR 0.49m | |
| INDEXO ownership in DelfinGroup increased to 71.52% during Q1 2026 | DelfinGroup | + EUR 1.90m*** | |
| INDEXO Group has ~11% market share in consumer loans** in Latvia | Group consolidated | + EUR 142.5t |
**INDEXO Group market share for bank and non-bank lender consumer loan portfolio as of 31/03/2026. Source: CRPC, BoL, internal calculations
***with 71.52% ownership attributed to the INDEXO Group, full DelfinGroup individual net profit EUR 2.8m
INDEXO GROUP
Group loan portfolio increased by ~11% QoQ
- Total assets increased more than 7% in Q1 2026, loans represent ~82% of total assets
- Liabilities at 75.7% of total assets (Q4 2025: 74.3%), reflecting healthy balance sheet leverage. Wholesale funding sources remain a key opportunity to lower the Group's funding cost
- Customer deposits as the largest funding source, represent ~30% of total assets
- INDEXO increased ownership in DelfinGroup reflected in higher equity at the end of Q1
STRUCTURE OF ASSETS, EURm
STRUCTURE OF LIABILITIES AND EQUITY, EURm
INDEXO GROUP
INDEXO Group is well-capitalized and highly liquid
Capital Adequacy Ratio decreased due to loan portfolio growth (+EUR 24m in Q1). All ratios remain well above regulatory minimums.
LIQUIDITY RATIOS
LIQUIDITY COVERAGE RATIO (LCR)
Dec-25
Mar-26
388%
554% ▲+166pp
Regulatory min: 100%
NET STABLE FUNDING RATIO (NSFR)
Dec-25
Mar-26
118%
115% ▲-3pp
Regulatory min: 100%
The Group's LCR strengthened reflecting an improved short-term liquidity position. Q4 2025 ratio was temporarily suppressed by a short-term funding obligation maturing within 30 days, which was successfully refinanced in January 2026. As at 31 March 2026, the Group had no material near-term refinancing obligations.
NSFR slightly decreasing as loan portfolio growth extends asset maturity.
INDEXO GROUP
INDEXO Group becomes profitable
- Group total loan portfolio reached EUR 248m at the end of Q1 2026, up EUR 24m (+11%) from year end 2025
- Net Interest Income (NII) exceeds EUR 10m which is the main driver of Group total revenue
- Group total expenses in Q1 were EUR 7.1m of which largest part were administrative expenses
- In Q1 2026 Group has become profitable and consolidated net profit was EUR 142.5tht
| Financial results, EURm | Q1 2026 |
|---|---|
| Net interest income | 10.8 |
| Net commission income | 1.2 |
| Other operating income | 0.7 |
| Total revenue | 12.7 |
| Total expenses | -7.1 |
| Provisions for expected credit losses | -5.0 |
| Corporate tax | -0.5 |
| Consolidated Net profit/ loss | 0.14 |
| Balance, EURm | |
| Total loan portfolio (net) | 248.1 |
| Total assets | 304.1 |
| Total equity (incl. Minority) | 74.0 |
| Financial indicators | |
| Cost to Income ratio | 61.11% |
| ROE | 0.24% |
| ROA | 0.05% |
| EPS | 0.01 |
Note: Q1 2026 represents the first period of consolidated Group reporting following the inclusion of DelfinGroup. Prior-period figures are not directly comparable and are therefore not presented.
Pension business
PENSION BUSINESS
Q1 2026 Snapshot
Stronger earnings against a tougher market backdrop
TOTAL REVENUE, EUR
1,341t
▲ +9% YoY ▼ -3% QoQ
NORMALISED PENSION BUSINESS NET PROFIT*, EUR
574t
▲ +24% YoY ▼ -6% QoQ
NET PROFIT, EUR
489t
▲ +27% YoY ▲ +163% QoQ
CUSTOMER ACCOUNTS
159.8t
▲ +11% YoY ▲ +0.2% QoQ
KEY HIGHLIGHTS
- Revenue +9% YoY vs Net profit +27% YoY despite a fee reduction
- Sales and marketing spend refocused on voluntary pension savings, down 4% QoQ and 19% YoY
- AUM decreased on a Q1 market correction, still up 16% YoY
- Focus on voluntary pensions savings delivering results with strong growth both in customer numbers and AUM
ASSETS UNDER MANAGEMENT (AUM), EURm
Q1 2025
Q2 2025
Q3 2025
Q4 2025
*Normalised results reflect the performance of pension management activities, excluding expenses and income that are not directly related to the pension business.
PENSION BUSINESS
10
Pension business asset growth is driven by inflows from new clients, monthly contributions, market returns and VAIRO acquisition
Pension business total AUM growth drivers Q1 2025 – Q1 2026
EURm, based on management estimates
Source: internal data
PENSION BUSINESS
THE CHALLENGE
Rising churn in pension portfolio
Vairo portfolio churn impacts group result in 2026. Deeper engagement needed to explain our long-term values and reduce churn going forward.
CHURN IMPACT Q1 2025 – Q1 2026
-240m
EUR pension AUM
Churn rate 13.88% → 16.61%
THE SOLUTION:
COMMUNITY
- SOCIAL MEDIA
- Ongoing
Active investor community
Peer Q&A with INDEXO experts, milestone sharing and success stories. Clients who feel heard and connected don’t leave.
- EVENTS
- Quarterly
Client webinars & AMAs
Regular direct contact with the INDEXO team builds emotional connection beyond product performance alone.
FINANCIAL LITERACY
- CONTENT
- Regular cadence
Educational blog series
Plain-language posts on pension mechanics, compounding, and market cycles. Clients who understand don’t panic-switch.
- TOOLS
- Live on website
Retirement Planner
Personalized view of projected retirement income across 2nd and 3rd pillar – the home for full retirement picture.
LOYALTY CHANGE
YoY
March 2025
86.12% loyalty
March 2026
83.39% loyalty
Churn rate
△ YoY +2.73 pp
PENSION BUSINESS
Market returns beating competitors and Consumer price index (CPI) in the long run
Annualized return since inception (INDEXO Jauda 16-55)
9.21%
Proportion of INDEXO 2nd pillar customer assets in 100% equity funds
80.0%
The graph shows the cumulative returns of INDEXO Jauda 16-55 pension plan on 31.03.2026 relative to the average returns of 100% equity plans in the Latvian 2nd pillar pension market (excluding INDEXO Jauda 16-55), and the consumer price index in Latvia. Sources: manapensija.lv, Central Statistical Bureau of Latvia.
PENSION BUSINESS
Voluntary savings – strong growth driven by new customers joining
Helping people to save more:
- Stronger growth both in customer count and AUM inflows
- 90% of customers using automatic balancing between bonds and equity
- INDEXO lowered management fee from 0.62% to 0.59% from 1st of February 2026
- AUM affected by market index drop in Q1 2026
| Q1 2026 | Q1 2025 | YoY Change | QoQ Change | |
|---|---|---|---|---|
| 3rd Pillar Customers, t | 24.7 | 17.5 | +7.2 (+42%) | +2.3 (+10%) |
| 3rd Pillar Assets under management, EURm | 63.0 | 38.7 | +24.3 (+63%) | +3.8 (+6%) |
| 3rd Pillar Total Inflows, EURm | 6.5 | 3.5 | +3.0 (+86%) | -0.5 (-7%) |
3rd Pillar Assets under management (AUM)
EURm
PENSION BUSINESS
Financial Performance Highlights
Normalised Pension Business net profit growth +23.8% YoY
| Financial results, EURt | Q1 2026 | Q4 2025 | %Δ QoQ | Q1 2026 | Q1 2025 | %Δ YoY |
|---|---|---|---|---|---|---|
| Total revenue | 1,341 | 1,389* | -3.4% | 1,341 | 1,234 | 8.7% |
| Administrative expenses | 411 | 410 | 0,2% | 411 | 330 | 24,5% |
| Non-pension Administrative expenses* | 85 | 423 | -79,9% | 85 | 77 | 10.0% |
| Operating income | 845 | 556 | 52.0% | 845 | 827 | 2.2% |
| Sales & marketing expenses | 356 | 370 | -3.6% | 356 | 441 | -19.1% |
| Net profit/ loss | 489 | 186 | 162.6% | 489 | 386 | 26.6% |
| Normalised Net profit/ loss** | 574 | 609 | -5.8% | 574 | 463 | 23.8% |
| Business volumes | ||||||
| AUM, million | 1,506 | 1,566 | -3.8% | 1,506 | 1,299 | 15.9% |
| Total customers, thousand | 159.8 | 159.5 | 0.2% | 159.8 | 144.3 | 10.8% |
Excluding dividends received from DelfinGroup
*Normalised results reflect the performance of pension management activities, excluding expenses and income that are not directly related to the pension business. These adjustments mainly include costs related to capital raising for INDEXO Group, interest expenses on commitment letters (one-off cost that was a large part of Q4 2025 non-pension administrative costs), costs associated with the bank's employee share option programme, various expenditures tied to the AS DelfinGroup transaction, as well as other expenses incurred during the establishment and development of INDEXO Bank.
Revenue +9% YoY, -3% QoQ - net profit growing 3x faster than top line YoY, despite lower management fees
Normalised pension profit decreased due to market correction driven AUM decrease
Net profit EUR 489t, +27% YoY and +163% QoQ - Q4 2025 was impacted by one-off expenses;
AUM EUR 1,506m: +16% YoY on market growth and net inflows; -3.8% QoQ reflecting Q1 market correction
Customer accounts 159.8t: +11% YoY (+15.5t customers), broadly flat QoQ due to focus on selective investment
INDEXO Bank
INDEXO BANK
Q1 2026 Snapshot
Accelerating growth: strong expansion across core banking metrics
TOTAL REVENUE, EUR
1,045t
▲ +1,633% YoY
▲ +30% QoQ
QUARTERLY OPERATING LOSS, EUR
-1,554t
▼ -26% YoY
▼ -13% QoQ
LOAN PORTFOLIO**, EUR
76.7m
▲ +1,028% YoY
▲ +38% QoQ
CUSTOMER DEPOSITS, EUR
90.5m
▲ +97% YoY
▲ +23% QoQ
KEY HIGHLIGHTS
- Total revenue surpassed EUR 1m
- Record quarterly loan issuance of EUR 25.5m
- Second-highest quarterly deposit inflow since INDEXO Bank launch EUR 16.9m
- Home Equity product launch in February 2026
- Introduced free Gold Plan for clients with regular income, a first in the Latvian banking market
- Customer base grew +81% YoY to 57t, with increasing activity
QUARTERLY TOTAL REVENUE, EURm
- One-off VAT tax reverse for the period 2023-2025 (EUR 262.5t, recognised in Q3 2025)
** Gross portfolio, before provisions for expected credit losses
INDEXO BANK
Loan portfolio is growing rapidly
Continued loan portfolio expansion was driven by continuous product improvements and launch of new distribution channels
KEY HIGHLIGHTS
- Q1 2026 loan issuance of EUR 25.5m — record quarterly issuance volume to date
- Steady Net Interest Margin (NIM) improvement reflects repricing of the loan portfolio towards higher interest rate new originations and a portfolio mix shift towards consumer loans
- INDEXO Bank captures roughly 10% of new consumer loan issuance*
-
Mortgage market refinancing volumes declined over 20% in Q1 while INDEXO Bank maintained around 70% market share of inter-bank refinancing. New mortgage volume further supported by the Home Equity product launch in February
-
excluding nonbank lenders
Q1 2026 ISSUANCE, EUR
25.5m
▲ +311% YoY ▲ +10% QoQ
CONSUMER LOAN SHARE
59%
Q1 2025 – 99% | Q4 2025 – 58%
LOAN PORTFOLIO** AND NIM, EURm
** Gross portfolio, before provisions for expected credit losses
INDEXO BANK
Customer funding supports lending growth
Competitive deposit rates combined with a growing and increasingly active customer base drive deposit volume growth
OF BANK CUSTOMERS,
t
NET DEPOSIT GROWTH, EUR
16.9m
▲ +97% YoY ▲ +23% QoQ
TERM DEPOSITS, EUR
33.5m
▲ +138% YoY ▲ +25% QoQ
FUNDING VOLUMES AND COST, EURm
INDEXO BANK
Highest Net Interest Income in Bank history due to strong growth in lending
TOTAL REVENUE, EUR
1,045t
▲ +1,633% YoY ▲ +30% QoQ
NET INTEREST INCOME (NII), EUR
1,000t
▲ +1,567% YoY ▲ +47% QoQ
NET COMMISSION INCOME (NCI), EUR
22.3t
▲ +140% YoY ▼ –60% QoQ
OTHER INCOME, EUR
22.6t
▼ –60% YoY ▼ –71% QoQ
TOTAL REVENUE, EURm
- Excluding one-off VAT tax reverse for the period 2023-2025 (EUR 262.5t, recognised in Q3 2025)
** Includes positive impact from one-off items total EUR 87.3t
KEY HIGHLIGHTS
- Total Q1 2026 revenue grew 30% QoQ to EUR 1.04m, bringing INDEXO Bank closer to breakeven
- Loan portfolio growth drove Net Interest Income (NII) to EUR 1.0m up from just EUR 60t in Q1 2025
- NII contributes nearly 96% of total revenue
- From Q1 2026 new fee model – zero monthly charge for customers directing salary or regular income to INDEXO
INDEXO BANK
Bank kept expenses under control while revenue growth continues
BANK'S EXPENSES, EURm
* IT costs includes IT running costs, amortization part of IT investments and IT salary costs
Total expenses of EUR 2.60m are essentially flat vs Q4 2025, while total revenue grew 30% QoQ as operating leverage starting to come through.
Staff costs up from EUR 0.80m in Q1 2025 to EUR 0.94m in Q1 2026 (+17.5% YoY). The Bank has been hiring to build capacity while revenue growth comes with a lag.
IT costs normalised to a sustainable run-rate from Q1 2026 onward following major product launches during 2025. The current level also reflects a strategic shift - progressively building IT capabilities in-house
Other costs increased from EUR 0.33m in Q1 2025 to EUR 0.46m in Q1 2026, reflecting deliberate investment in marketing and customer acquisition and activation as the Bank scales its customer base.
INDEXO BANK
Financial Performance Highlights
Revenue keeps ramping up, while costs remain mostly flat over the quarter
| Financial results, EURm | Q1 2026 | Q4 2025 | %Δ QoQ | Q1 2026 | Q1 2025 | %Δ YoY |
|---|---|---|---|---|---|---|
| Net interest income | 1.00 | 0.68 | +47% | 1.00 | 0.06 | +1,567% |
| Net commission income | 0.02 | 0.05 | -60% | 0.02 | -0.05 | 140% |
| Other operating income | 0.02 | 0.07 | -71% | 0.02 | 0.05 | -60% |
| Total revenue | 1.04 | 0.80 | +30% | 1.04 | 0.06 | +1,633% |
| Administrative expenses | -1.23 | -1.24 | -1% | -1.23 | -0.94 | -31% |
| Total expenses | -2.60 | -2.59 | 0% | -2.60 | -2.19 | -19% |
| Provisions for expected credit losses | -0.69 | -0.43 | -60% | -0.69 | -0.30 | -130% |
| Net profit/ loss | -2.25 | -2.23 | -1% | -2.25 | -2.42 | +7% |
| Business volumes | ||||||
| New loans, EURm | 25.5 | 23.2 | +10% | 25.5 | 6.2 | +311% |
| Net deposit growth, EURm | 16.9 | 18.1 | -7% | 16.9 | 12.8 | +32% |
| Customers, t | 57.1 | 49.7 | +15% | 57.1 | 31.6 | +81% |
- EUR 25.5m new loans issued in Q1 2026 - strongest quarter to date, primarily consumer lending
- Net Interest Income (NII) grew 47% QoQ to EUR 1m, now 96% of total revenue - interest income is the dominant driver while funding cost kept stable
- Costs remained mostly flat QoQ, the small uptick is driven by marketing campaigns, primarily focused on deposit growth
- Higher loan issuance, particularly consumer loans, drove a short-term increase in provisions for expected credit losses. This reflects front-loaded provisioning on a fast-growing lending portfolio
INDEXO BANK
Asset quality
LOAN PORTFOLIO BY IFRS 9 STAGE — Q1 2026
96.10%
| Stage 1 — Performing | 96.10% |
|---|---|
| Stage 2 — Underperforming | 2.40% |
| Stage 3 — Non-performing | 1.50% |
KEY HIGHLIGHTS
- Disciplined underwriting continued to support high asset quality
- In Q3 2025 we recalibrated our provisioning model to better reflect existing portfolio sample data
- Despite increase in Total portfolio coverage, Stage 2 loan share of total loan portfolio keeps decreasing
- Overdue loans stand at 3%
- Non-performing loans (NPL) impairment coverage at ~75%
- Bank will introduce own proprietary credit risk assessment model during 2026
STAGE 2 AND STAGE 3 DYNAMICS, TOTAL PORTFOLIO COVERAGE,%
Total portfolio coverage = Allowance for impairment losses on loans/ total gross loan portfolio
INDEXO BANK
Bank on track to monthly break-even by December 2026
MONTHLY TOTAL REVENUE AND AVERAGE MONTHLY EXPENSES, EURm
Break even reached
1.00
Dec-26
0.05
Mar-25
0.07
Jun-25
0.24
Sep-25
0.28
Mar-26
0.42
Dec-25
0.00
Mar-26
0.07
INDEXO BANK
Strong capital position
- During the first quarter the parent company IPAS INDEXO increased the Bank's capital by EUR 2.95m
- All capital ratios exceed both regulatory minimums and internal risk tolerance thresholds
- Capital base strengthened through subordinated Tier 2 instruments issued over the past six months, providing additional headroom to support continued loan portfolio growth without constraining the core equity position.
INDEXO BANK
Disciplined liquidity management
- Liquidity ratios remain well above regulatory requirements - Liquidity Coverage Ratio at 402% and Net Stable Funding Ratio at 151% - reflecting a conservative and resilient funding structure.
- The Bank currently is funded primarily through local retail deposits, providing a stable and granular funding base. Funding source diversification is an active strategic priority as the Bank's total balance sheet scales.
- Loan-to-deposit ratio reached 84.8% in Q1 2026, up from 14.8% in Q1 2025, reflecting lending portfolio growth relative to a growing deposit base and well within prudent liquidity management parameters.
INDEXO BANK
Product development roadmap
FINAL STAGES
Custody services
Safekeeping and administration of financial assets for institutional customers. First customer – IPAS INDEXO.
July 2026
Internal credit scoring
Proprietary scoring model to support and automate lending decisions.
June 2026
Marketing module
To enable targeted, data-driven customer acquisition and engagement campaigns across digital channels
June 2026
IN DEVELOPMENT
Family accounts
Dedicated accounts for kids and teens to build early saving habits.
Q3 2026
Consumer loan consolidation
Streamline consumer lending into a unified product structure with an improved client experience.
Q3 2026
Deposit platform
Term deposit infrastructure with competitive rates and digital onboarding.
Q3 2026
Unified on-boarding
Unify onboarding for the Bank account and Pension 3rd pillar into a single client journey.
Q3 2026
DISCOVERY PHASE
Legal entities servicing
Scoping requirements for small and medium business banking—accounts, payments, and lending needs assessment.
End 2026
Securities Accounts
Scoping requirements to offer securities accounts for private customers
End 2026
DelfinGroup
delfin group
custom finance solutions
DELFINGROUP
Q1 2026 Snapshot
| TOTAL REVENUE*, EUR | NET PROFIT*, EUR | LOAN PORTFOLIO, EUR | LOAN ISSUANCE, EUR |
|---|---|---|---|
| 14.5m | 2.8m | 147.7m | 32.7m |
| +2.3% QoQ | -2.7% QoQ |
KEY HIGHLIGHTS
- Stable revenue on portfolio growth
- Net profit +58% YoY driven by cost optimisation efforts
- Total loan issuance reached EUR 32.7 million, net loan portfolio reached EUR 147.7m increase by 2.3% QoQ
- Lithuania loan portfolio reached EUR 8.7m, +13% YTD
- Launched home equity loans
LOAN PORTFOLIO (net), EURm
- Q1 2026 represents the first period of consolidated Group reporting following the inclusion of DelfinGroup. DelfinGroup figures have been reclassified, where necessary, to align with the Group's presentation format and line item classification in the consolidated statement of profit or loss.
DELFINGROUP
Diversifying and optimising funding costs
AVERAGE INTEREST RATE OF INTEREST-BEARING LIABILITIES, %
FUNDING MIX, EURm
DELFINGROUP
Financial Performance Highlights
Mature operations driving predictable, sustained growth
| Financial results, EURm | Q1 2026 |
|---|---|
| Net interest income | 13.73 |
| Net commission income | -0.19 |
| Other operating income | 0.98 |
| Total revenue | 14.52 |
| Total expenses | -4.98 |
| Provisions for expected credit losses | -5.94 |
| Corporate tax | -0.76 |
| Net profit/ loss | 2.81 |
Note: Q1 2026 represents the first period of consolidated Group reporting following the inclusion of DelfinGroup. Therefore, DelfinGroup prior-period figures are not presented. DelfinGroup figures have been reclassified, where necessary, to align with the Group's financial results presentation format and line-item classification in the consolidated statement of profit or loss.
- Net interest income reached EUR 13.7m representing 95% of total revenue
- Total revenue in the first quarter of 2026 stood at EUR 14.5m
- Total expenses reached nearly EUR 5m out of which most part were administrative expenses
- Strong lending and controlled expenses led to first quarter net profit of EUR 2.8m
INDEXO
Events after reporting period
POST PERIOD ACTIVITIES
Events after reporting period
April 7, 2026
Increased ownership in DelfinGroup
Acquired additional 250,000 DelfinGroup shares (+0.55%); INDEXO holding rises to 72.07% at EUR 1.40 per share
April 17-24, 2026
INDEXO Bank Successful bond issue
Issued EUR 5m through its public offering of Tier 2 subordinated bonds, oversubscribed 3.6 times by 800+ investors
April 20, 2026
Corporate banking lead hire
Edgars Kraučuks joins to lead corporate banking; bank plans to launch core banking services for businesses by the end of this year
April 28, 2026
Reached EUR 100m in customer deposits
Surpassed the EUR 100m milestone
April 2026
Free card with Silver plan
Started offering a free debit card with Silver plan, expanding the product proposition
April 2026
Strong INDEXO Bank April business volumes
Net deposits EUR +10.8m, EUR 11.6m loans issued, customer base reached 59.6t
INDEXO – for a better financial environment in Latvia
slido.com #indexoeng
INDEXO
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