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)
Operating in a Structurally Attractive Market With Strong Growth Potential
Sound Fundamentals, Low Credit Risks and Favourable Growth Outlook
CEE includes the unweighted average of Czech Republic, Romania, Poland, Slovakia and Slovenia
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
We Generate Market-Leading 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 | ||
