2.9m
Profile
- The largest independently-owned financial institution in Lithuania
- The oldest operating bank in Lithuania with the widest branch network and the best client service
- Over 1,200 dedicated and experienced financial professionals
- Full-suite product offering with >50 banking, asset management and life insurance products
- The bank is primarily funded by sticky local deposits
- Supervised by ECB and rated Baa1 by Moody’s with Stable outlook
- Listed on the main Nasdaq Baltic Stock Exchange since 1994 (ticker: ROE1L)
Structurally
Attractive Market
Sound Fundamentals, Low Credit Risks and Favourable Growth Outlook.
Key facts
2025
€83bn
A2 / A / A
Moody‘s / Standard & Poor’s / Fitch Ratings
88% of EU avg.
38%
Proven Track Record of
High Growth and Profitability
Substancial Scale
Total Assets (€’m)
High Growth
Net Interest Income (€’m)
Strong Profitability
Return on Equity (%)
- 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
Market-Leading
Shareholder Returns
Shareholder Returns
Total Shareholder Returns
Artea bankas (SAB1L) TSR Performance VS Market Index - LAST 5 Years
Key Financial
Targets
| Focus Areas | 2026 | 2027 | 2028 | |
|---|---|---|---|---|
| Growth | Loan book | 11 % | 13 % | 13 % |
| Deposits | 5 % | 13 % | 12 % | |
| Total Revenue | 10 % | 14 % | 19 % | |
| NFCI | 4 % | 8 % | 15 % | |
| Efficiency | C/I ratio | 60.7 % | 50.1 % | 42.2 % |
| Profitability | RoE | 10.0 % | 13.5 % | 16.9 % |
| Shareholder Returns | Minimum Payout Policy | Minimum 50 % Pay-out | ||
IR Contact
Tomas Varenbergas
Chief Executive Officer (CEO)
