Artea bankas as an Investment

Artea bankas as an Investment
Profile
  • The largest independently-owned financial institution in Lithuania
  • Over 1,100 dedicated and experienced financial professionals
  • The oldest operating bank in Lithuania with the widest branch network and the best client service
  • Full-suite product offering with >50 banking, asset management and life insurance products
  • Supervised by ECB and rated Baa1 by Moody’s with Stable outlook
  • Listed on the main Nasdaq Baltic Stock Exchange since 1994 (ticker: SAB1L)
Operating in a Structurally Attractive Market With Strong Growth Potential

Sound Fundamentals, Low Credit Risks and Favourable Growth Outlook

ChartMap with Lithuania marked in it

CEE includes the unweighted average of Czech Republic, Romania, Poland, Slovakia and Slovenia

Key facts (2023)

Proven Track Record of High Growth and Profitability

  • Well positioned to invest in growth initiatives and execute M&A transactions swiftly
  • Well placed to continue delivering mid to high teen return on equity
  • Committed to continue returning part of profits to investors through both dividends (>25% payout) and approved buyback strategy
We Generate Market-Leading Shareholder Returns

Total Shareholder Returns
Artea bankas (SAB1L) TSR Performance VS Market Index - LAST 5 Years

Chart

Strategic Milestones

2025-2026

Execution

  • Reinforcing a customer centric culture 
  • Integration with INVL retail and increase in cross-sell 
  • Rebranding and maximizing value of existing clients 
  • New core banking platform 

2029

Leap-Forward

  • Upgraded and new products amplifying cross-sell and upsell 
  • New client segments accelerating growth 
  • Enhancing client experiences to exceed expectations 
  • The go-to financial solutions center for Lithuanian consumers 

Key Financial Targets

Focus Areas 2025 2026 2027 2028–2029
Growth Loan book €4.1bn €4.6bn €5.3bn CAGR: ~8 %
Deposits €3.9bn €4.4bn €4.8bn CAGR: ~10 %
Total Operating Income €222m €256m €288m CAGR: ~10 %
Net Fee Income €30m €33m €37m CAGR: ~25 %
Efficiency C/I ratio 59.7 % 54.4 % 48.2 % Below 45 %
Profitability RoE 11.1 % 13.5 % 16.0 % Above 17.0 %
Shareholder Returns Minimum Payout Policy Minimum 50 % Pay-out

Factsheet

Core information about the bank.

Download Factsheet (PDF)

Photo: Tomas Varenbergas

IR Contact

Tomas Varenbergas

Head of Investment Management Division

[email protected]