FZ Capital bond issue

Established in 2005, FZ Capital is a licensed non-bank lender specializing in real
estate-secured financial solutions.

The Company offers business loans, consumer loans and lines of credit in Latvia as its main products.

FZ Capital maintains a conservative portfolio loan-to-value (LTV) ratio of 39% and the collateral is well-diversified, including different types of properties from various regions in Latvia.

Over 20 years of operations, FZ Capital has had less than 1% of issued loans written off.

The Company has been achieving consistent profitability for the past 15 years.

Additional information: https://signetbank.com/wp-content/uploads/2025/05/FZ-Capital-teaser-EN.pdf

Presentation

Term Sheet