{"id":43750,"date":"2025-09-05T08:59:16","date_gmt":"2025-09-05T05:59:16","guid":{"rendered":"https:\/\/staging.indexo.lv\/?post_type=zinas&p=43750"},"modified":"2025-09-05T09:04:01","modified_gmt":"2025-09-05T06:04:01","slug":"delfingroups-inclusion-in-the-indexo-group-will-bring-significant-benefits-to-both-companies","status":"publish","type":"zinas","link":"https:\/\/staging.indexo.lv\/en\/zinas\/delfingroups-inclusion-in-the-indexo-group-will-bring-significant-benefits-to-both-companies\/","title":{"rendered":"DelfinGroup\u2019s inclusion in the INDEXO group will bring significant benefits to both companies"},"content":{"rendered":"\n

INDEXO financial services group, which includes the pension management company IPAS INDEXO, AS INDEXO Atkl\u0101tais Pensiju Fonds, and AS INDEXO Bank, is currently preparing to make a voluntary share buyback offer to the shareholders of AS DelfinGroup. To provide insight into the potential benefits of the transaction, INDEXO has prepared a financial projections and strategic goals for the combined group through 2028, assuming the acquisition of 65% of DelfinGroup shares. Based on a gradual reduction in external financing costs, the combined group\u2019s net profit could exceed \u20ac30 million in 2028. Upon reaching the set targets, the group plans to start paying dividends from 2028 profits.<\/strong><\/p>\n\n\n\n

<\/div>\n\n\n\n

According to these projections, the INDEXO group \u2014 comprising a bank, pension management companies, and the consumer lender DelfinGroup \u2014 is expected to reach revenues of \u20ac94.9 million and a net profit of \u20ac33 million in 2028.<\/p>\n\n\n\n

<\/div>\n\n\n\n

The revenue and profit forecast is based on the individual growth projections of the group\u2019s companies and assumes a gradual decrease in external financing costs. Other potential synergies are not included in the financial forecasts, and their successful realization would provide additional financial benefits. Additionally, INDEXO Bank\u2019s financial projections are based solely on servicing private individuals, entering new customer segments and\/or significantly expanding the range of services offered could further improve the bank\u2019s and the group\u2019s overall financial results.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u201cThe merger with DelfinGroup offers clear benefits to all companies within the group. These benefits will arise from reduced external financing costs and cross-selling of services among group companies. The newly formed group will soon become a major player in Latvia\u2019s financial sector, with a customer base in the hundreds of thousands, a loan portfolio exceeding \u20ac700 million, and over \u20ac2 billion in managed pension assets. I encourage INDEXO shareholders to support the offer to DelfinGroup shareholders on September 11, and I invite DelfinGroup shareholders to take advantage of the share exchange opportunity once the offer is made and benefit from all the synergies of the new group,\u201d says Henrik Karmo, Chairman of the Management board of IPAS INDEXO and one of INDEXO\u2019s founders<\/strong>.<\/p>\n\n\n\n

<\/div>\n\n\n\n

INDEXO group financial projections summary for the coming years:<\/strong><\/p>\n\n\n\n

Forecast (\u20ac millions)<\/strong><\/td>2025<\/strong><\/td>2026<\/strong><\/td>2027<\/strong><\/td>2028<\/strong><\/td><\/tr>
 <\/strong><\/td> <\/strong><\/td> <\/strong><\/td> <\/strong><\/td> <\/strong><\/td><\/tr>
Revenue<\/strong><\/td>34.3<\/td>54.1<\/td>74.9<\/td>94.9<\/td><\/tr>
Net Profit<\/strong><\/strong><\/td>5.7<\/td>5.5<\/td>18.8<\/td>33<\/td><\/tr>
Loan Portfolio<\/strong><\/strong><\/td>198<\/td>346<\/td>532<\/td>771<\/td><\/tr>
Pension Assets Under Management<\/strong><\/strong><\/td>1 508<\/td>1 810<\/td>2 201<\/td>2 681<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/div>\n\n\n\n

Please note that this is a forecast based on forward-looking assumptions, and actual performance may differ from the projections. The forecast may also be updated and revised depending on market conditions or changes in company strategy.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Detailed information: INDEXO financial projections 2025-2028<\/a><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

INDEXO financial services group, which includes the pension management company IPAS INDEXO, AS INDEXO Atkl\u0101tais Pensiju Fonds, and AS INDEXO Bank, is currently preparing to make a voluntary share buyback offer to the shareholders of AS DelfinGroup. To provide insight into the potential benefits of the transaction, INDEXO has prepared a financial projections and strategic […]<\/p>\n","protected":false},"author":16,"featured_media":42952,"comment_status":"open","ping_status":"closed","template":"","class_list":["post-43750","zinas","type-zinas","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.indexo.lv\/en\/wp-json\/wp\/v2\/zinas\/43750","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.indexo.lv\/en\/wp-json\/wp\/v2\/zinas"}],"about":[{"href":"https:\/\/staging.indexo.lv\/en\/wp-json\/wp\/v2\/types\/zinas"}],"author":[{"embeddable":true,"href":"https:\/\/staging.indexo.lv\/en\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.indexo.lv\/en\/wp-json\/wp\/v2\/comments?post=43750"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.indexo.lv\/en\/wp-json\/wp\/v2\/media\/42952"}],"wp:attachment":[{"href":"https:\/\/staging.indexo.lv\/en\/wp-json\/wp\/v2\/media?parent=43750"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}