AS DelfinGroup announces an offer to holders of its subordinated notes (ISIN LV0000802700) to exchange their existing notes for subordinated notes (ISIN LV0000106631) of the Company, as part of its ongoing capital structure management.

Offer to existing investors

From 13 April to 24 April 2026, holders of subordinated notes (ISIN LV0000802700, maturity date 25 July 2028) with a minimum holding of EUR 100,000 will have the opportunity to participate in the exchange offer by exchanging their existing notes for AS DelfinGroup subordinated notes (ISIN LV0000106631) with a fixed coupon rate of 11.5% and maturity on 25 September 2030.

Participants in the exchange offer will receive an exchange fee of 1% of the nominal value of the exchanged notes, payable within ten business days following the end of the exchange period. Noteholders will receive detailed information and instructions regarding the exchange procedure from their respective custodians.

The settlement date of the exchange offer is 28 April 2026.

The exchange offer is arranged by Signet Bank AS.

Attachment: Amended subordinated notes issue terms (ISIN LV0000106631)

For any questions please contact:

Signet Bank AS

+371 6708 1058, invest@signetbank.com

About DelfinGroup

DelfinGroup is a licensed Latvian fintech company founded in 2009 and is a part of the INDEXO group since 2025. DelfinGroup currently operates in Latvia and Lithuania. The company operates under the brand names Banknote and VIZIA. The company has been profitable every year since 2010. DelfinGroup continuously develops and offers consumer loans, pawn loans, and the sale of pre-owned goods online and at more than 80 branches across Latvia. Since 2014, DelfinGroup has been known on the Nasdaq Riga Stock Exchange as a bond issuer and, since 2021, as a listed company on the Baltic Main List. The company regularly pays dividends to its shareholders. The sustainability of DelfinGroup is based on focused corporate governance, fintech innovation, responsible lending, financial inclusion, and facilitating the circular economy.