EMBank Reports Stable Q3 2025 Results with Steady Income, Asset Growth and Strengthened Leadership Team

European Merchant Bank (EMBank) has released its financial results for the third quarter of 2025, reporting stable performance across key indicators and modest year-on-year growth in income and assets. The bank's net operating income reached EUR 8.4 million, an increase from EUR 8 million in the same quarter last year. Total deposits rose by EUR 3 million over the year, reaching EUR 174 million, while total assets grew to EUR 189 million, also up by EUR 3 million year-on-year.

The results reflect consistent operational performance. EMBank's business loan portfolio, including corporate bonds, amounted to EUR 43 million, mirroring the level recorded in the third quarter of 2024. The bank posted a net profit of EUR 928 thousand for the period, and net interest income reached EUR 4.5 million. These figures indicate a stable financial position with steady demand for the bank's core lending and financing products.

CEO Sarp Demiray attributes the performance to two factors: the bank's continued focus on operational quality and the more positive sentiment observed among Lithuanian businesses. "As we moved into the second half of the year, we continued to observe strong enthusiasm among Lithuanian businesses when planning investments, modernising operations, and seeking additional financing sources," he notes. According to Demiray, these trends demonstrate that "companies-despite geopolitical and economic challenges-maintain an optimistic outlook," which supports expectations for a stable conclusion to 2025.

Demiray also points to the bank's internal developments as a contributor to its stability. He highlights the professionalism and expertise of EMBank's team, noting that organisational strength remains a key factor in navigating a competitive financial environment. "Competitiveness is shaped not only by well-designed financial products," he says. "It is equally driven by a strong and professional team, which is one of the key factors in maintaining stability."
During the quarter, EMBank enhanced its leadership structure with the appointment of Aurimas Kunca as a new Board member and Deputy CEO. Kunca brings more than 15 years of experience in the financial sector and will be responsible for the bank's business development efforts in Lithuania. Demiray says the appointment adds both fresh ideas and extensive experience to the organisation, enabling the bank "to respond to business needs even more quickly and accurately."

Looking ahead, EMBank plans to prioritise the expansion of strategic partnerships, the development of new financial solutions and the broadening of financing alternatives for Lithuanian companies. Additional focus will be placed on attracting high-level professionals to support the bank's ongoing operational ambitions and its role in financing business growth across the country.
Overall, the third-quarter results present a picture of measured stability, with incremental growth in income and assets, a steady loan portfolio and a reinforced management team. The bank's leadership expects these elements to support continued resilience through the remainder of 2025.

Company Name: European Merchant Bank (EMBank)
Contact Person: Dilek Isik
Email: dilek.isik@em.bank
Country: Lithuania
Address: Pirkliu Klubas, Gedimino 35, 01119, Vilnius, Lithuania
Website: https://em.bank/

European Merchant Bank (EMBank) is a specialised, ECB-licensed bank headquartered in Lithuania with a focus on providing reliable, well-structured banking solutions for businesses and fintechs. The bank offers corporate lending, trade finance, payment services and deposit products designed to support companies as they grow. EMBank combines a strong regulatory foundation with a commitment to responsible banking practices, serving clients across the globe while contributing to Lithuania's financial and economic development.

This release was published on openPR.