Dear Investor,

In November, the PROFITUS investor community funded a total of EUR 9 685 488, which was distributed across 48 business loans. We paid out EUR 286 431 in interest to investors.

November results

Metric	Result
Total amount funded	9 685 488 EUR
Number of funded projects	48 vnt.
Average project size	201 781 EUR
Interest paid	286 431 EUR
Largest single investment	250 000 EUR
Average investment	859 EUR
Total number of investments	12 269 vnt.

Platform news

● We are delighted to share that in November we financed a record number of projects – during the month we raised funding for as many as 49 business loans. We are happy to offer investors a wide selection of projects not only by risk rating, term, developer experience and loan type, but also by country, as in November projects were financed on the PROFITUS platform in all of our markets: Lithuania, Latvia, Estonia and Spain. We recommend following our news and not missing the opportunity to diversify your investments this month as well.

● At the end of November, we took part in and contributed to the largest financial literacy conference in Lithuania – the Financial Freedom Forum. Thousands of participants and dozens of speakers and presentations created a great atmosphere for deepening knowledge about finance, investing and financial literacy. Very soon you will also be able to see highlights from this conference. If you were unable to attend, you can still purchase recordings of the presentations – you can find them here: https://www.laisvesforumas.lt/#_kqvznvf0

● In November we recorded four "Pokalbiai Apie Pinigus" (Talks About Money) episodes featuring guests Jonas Mačiulis, Mindaugas Petrauskas, Viktorija Čijunskytė and Eugenijus Laurinaitis, who shared their experience. You can find all past and current episodes on the "Pokalbiai Apie Pinigus" YouTube channel or by clicking here.

PROFITUS in the media

In November we shared our experience and success stories in the media. If you happened to miss them, for your convenience you can find all November articles in one place:

Article title	Link
Property tax values have moved closer to the market: how much will this affect affordability and rental prices?	https://www.lrt.lt/naujienos/verslas/4/2727266/nt-mokestines-vertes-tapo-artimesnes-rinkai-kiek-tai-paveiks-iperkamuma-ir-nuomos-kainas
Bonuses – for those investing outside Lithuania	https://www.vz.lt/investavimas-2025/2025/11/24/premijos-investuojantiems-uz-lietuvos-ribu-576110

Overall PROFITUS statistics

2025 12 04

Total funded loans	320 374 399 Eur
Loans paid on time	74 882 213 Eur
Repaid loans	232 596 335 Eur
Overdue loans	2 777 206 Eur
Loans in recovery	8 733 519 Eur
Average loan-to-collateral ratio	67.83%
Number of funded projects	1932 vnt.
Average amount financed per project	165 158 Eur
Number of active investors	13 513 vnt.
Our community	47 825 registered users
Interest paid out	21 469 234 Eur
XIRR	10,95%

Loans by risk rating

2025 12 04

On the PROFITUS platform we have a total of 10 different risk ratings – from AAA to BBB-. As of the beginning of September, these ratings were distributed on the platform as follows:

● AAA account for 0.85%

● AA+ account for 2.23%

● AA account for 7.61%

● AA- account for 17.89%

● A+ account for 21.01%

● A account for 23.07%

● A- account for 13.68%

● BBB+ account for 8.01%

● BBB account for 3.92%

● BBB- account for 1.74%

You can track how the distribution of loans in the portfolio by risk rating changes on the PROFITUS statistics page, which you can find here.

We are pleased with the results for November and thank you for being part of the PROFITUS community. We believe and strive to ensure that next month’s results will be even better!

Successful investing!

The PROFITUS team

Investing is always associated with the risk of losing part or all of your investment. We recommend investing responsibly and diversifying your investments.