Riding on Data for Sustained Growth in a Competitive Environment  STRATEGIC HIGHLIGHTS  Predictive modelling and other data-intense solutions enable personalized loan offering at lower effective annual interest rates and offset the rising interest costs.  Number of active customers down 0,8% to 260 thousand (31 Dec. 2024: 262 thousand) with revenue per customer (LTM) up 4,8% to 452 EUR (12M/2024: 432 EUR).  Energbank’s increase in revenue and improvement of opex-to-revenue ratio started in Q2 2025 as emerging results of turnaround.  Wallet services and digital insurance intermediation growth outpaces the growth of lending business – further acceleration expected.  Partial refinancing of around 78 million EUR of Iute Group’s EUR...