Population
2.9m
Sound Fundamentals, Low Credit Risks and Favourable Growth Outlook
CEE includes the unweighted average of Czech Republic, Romania, Poland, Slovakia and Slovenia
Key facts (2023)
2.9m
€72bn
A2 / A / A
Moody‘s / Standard & Poor’s / Fitch Ratings
83% of EU avg.
36%
Substancial Scale
Total Assets (€’m)
High Growth
Net Interest Income (€’m)
Strong Profitability
Return on Equity (%)
Total Shareholder Returns
Šiaulių bankas (SAB1L) TSR Performance VS Market Index - LAST 5 Years
Preparation
Execution
Leap-Forward
Focus Areas | 2024 | 2025 | 2026 | 2027–2029 | |
---|---|---|---|---|---|
Growth | Loan book | €3.3bn | €3.7bn | €4.1bn | CAGR: ~8 % |
Deposits | €3.3bn | €3.6bn | €4.0bn | CAGR: ~10 % | |
Total Operating Income | €202m | €211m | €243m | CAGR: ~10 % | |
Net Fee Income | €27m | €29m | €33m | CAGR: ~20 % | |
Efficiency | C/I ratio | 49.7 % | 53.2 % | 48.8 % | Below 47.5 % |
Profitability | RoE | 13.7 | 13.1 % | 15.0 % | Above 15.0 % |
Shareholder Returns | Minimum Payout Policy | 25 % Dividends + Share Buy-backs |