8 - 8,25 % Coupon Bond Offering
Lietuvos Centrinė Kredito Unija (LCKU) offers investors 10-year bonds with a early redemption option after 5 years and a fixed annual interest rate of 8-8.25%. The minimum investment amount is EUR 1,000.
The company’s income streams are generated by a steadily growing loan portfolio of EUR 898 million, which generates stable interest income.
The credit union’s loan portfolio is widely diversified between corporate and retail loans, with corporate lending further broken down by sector. This portfolio structure allows for effective risk mitigation. Almost 80% of the portfolio consists of low-risk loans with stable repayment flows and high credit quality.
LCKU’s activities are strictly supervised by the Bank of Lithuania and comply with all EU capital and liquidity requirements applicable to banks. The Lithuanian state has also invested in LCKU’s capital, with its shareholding currently amounting to EUR 3.979 million. A strong share capital base and solid capital adequacy ratios enable LCKU to operate responsibly and stably.
An interest rate auction will be organized for the bond issue: when submitting their bids, investors will be able to indicate the annual interest rate at which they agree to purchase the bonds – 8% or 8.25%. The interest rate will be set after assessing the demand for bonds at different interest rates.
| Tranche size | Maturity | Coupon rate | Coupon payment rate | Minimal investment sum | Distribution dates |
| 4 mEUR under the 8 mEUR framework | 10 years, callable after 5 years | 8 - 8,25 percent | Semi-annual | EUR 1,000 | November 26 – December 12, 2025 |
Video Presentation for Investors
Investment highlights
Licensed and prudentially supervised by the Bank of Lithuania, ensuring compliance with strict capital, liquidity, and risk management standards in line with EU banking regulation.
Consolidated assets of 1.22 bEUR and CET1 ratio above 14 %, supported by a conservative lending portfolio and high liquidity coverage
The Government of Lithuania is among the Owners of LCKU, reinforcing institutional credibility, governance quality, and long-term strategic alignment with national financial stability goals.
How to invest?
Contact the financial brokerage company or bank in Estonia, Latvia or Lithuania that manages your securities account to submit an investment order (or submit via the self-service platform of the relevant bank).
If you do not have an investment services agreement concluded with a financial intermediary, send us an email to: obligacijos@orion.lt
Related documents:
Information Document | Final Terms
Orion Securities recommends to consult with your financial advisor and evaluate all the risks associated with the financial instrument and/or other circumstances that are significant to you before making an investment decision.
