Transformation into digital bank ongoing STRATEGIC HIGHLIGHTS Data-driven credit decisioning enhanced portfolio quality, improved loan pricing discipline and supported margin stability in a higher interest rate environment. AI-driven product bundling and value proposition to the right person in the right time drives revenue growth; revenue per customer (LTM) increased 6,7% to 461 EUR (12M/2024: 432 EUR), reflecting deeper product integration and higher ecosystem engagement, while active customer base is up 4,5% to 274 thousand (31 Dec. 2024: 262 thousand). Non-lending revenue streams (wallet services and digital insurance intermediation) continued to grow above lending business. SEPA Credit Transfer certification for IutePay Bulgaria unlocks scalable...