Record asset quality, improving efficiency and covenant headroom pave the way ahead STRATEGIC HIGHLIGHTS Data-driven credit decisioning and AI-driven risk model refinement continue to strengthen portfolio quality, with gross NPL declining to 7,6% (31 Mar. 2025: 9,2%). AI-driven product bundling and personalized value proposition drives revenue growth; revenue per customer (LTM) up 11,8% to 493 EUR (3M/2025: 441 EUR). Non-lending revenues grow faster than core lending – insurance brokerage up 71,4% year-over-year, now 5,6% of total revenue (3M/2025: 3,7%). MyIute SuperApp surpassed 1,75 million cumulative downloads (+46,7% year-over-year), accelerating the shift to digital-only customer journeys. OPERATIONAL HIGHLIGHTS Asset quality improved materially year-over-year: gross NPL...