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Šiaulių Bankas as an Investment

Profile

Operating in a Structurally Attractive Market With Strong Growth Potential

Sound Fundamentals, Low Credit Risks and Favourable Growth Outlook

ChartMap

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
Šiaulių bankas (SAB1L) TSR Performance VS Market Index - LAST 5 Years

Chart

Strategic Milestones

Key Finantial Targets

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