CEO’s latest message
February 19, 2026
Tarmo Sild
CEO of Iute Group
“2025 marked a year of disciplined growth and structural strengthening for Iute Group in its transformation into digital bank with a value proposition that includes financial superapp. Our asset quality improved, non-lending revenue streams expanded and investment in data science, AI and digital distribution continued. We are building a more diversified and structurally efficient platform.”
“In our traditional business, we enhanced portfolio quality through advanced data-driven underwriting and further improved repayment performance; cash remains the king. We actively optimized our liability structure through early refinancing, extending our maturity profile and reinforcing long-term financial flexibility with both publicly listed securities as well as bank deposits. In the recent business lines such as payments processing and embedded insurance, we attracted new customers with our products. Operational leverage increased as scale effects and digital efficiencies supported margin resilience and cash generation. Looking ahead, we expect the continued scaling of our digital ecosystem, extending the value proposition to our customers, increased use of data science and geographic expansion. As digital adoption deepens and our funding structure normalizes, we see clear potential for improving risk-adjusted returns and cash generation that feeds our growth flywheel. We remain committed to disciplined growth while transforming into digital bank and superapp,”