Disciplined Growth and Improved Efficiency STRATEGIC HIGHLIGHTS Predictive modelling and data-intense solutions enable personalized loan offerings, support customer base expansion, and enhance revenue quality. At the same time these solutions contribute to offsetting increased interest costs arising from higher growth-related debt financing by offering lower effective annual interest rates. Number of active customers up 1,3% to 265 thousand (31 Dec. 2024: 262 thousand) with revenue per customer (LTM) up 31,8% to 575 EUR (12M/2024: 432 EUR). Wallet services and digital insurance intermediation growth outpaces the growth of lending business – further acceleration expected. IutePay Bulgaria paving the way for full international IBAN-to-IBAN payment...