{"id":59392,"date":"2025-11-26T23:25:09","date_gmt":"2025-11-26T23:25:09","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/59392\/"},"modified":"2025-11-26T23:25:09","modified_gmt":"2025-11-26T23:25:09","slug":"baltijas-valstis-lielaka-krajaizdevu-sabiedribu-grupa-pirmo-reizi-izvieto-subordinetas-obligacijas-lidz-4-miljoniem-eiro-dienas-bizness","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/59392\/","title":{"rendered":"Baltijas valst\u012bs liel\u0101k\u0101 kr\u0101jaizdevu sabiedr\u012bbu grupa pirmo reizi izvieto subordin\u0113t\u0101s oblig\u0101cijas l\u012bdz 4 miljoniem eiro :: Dienas Bizness"},"content":{"rendered":"

\u201cLietuvos centrin\u0117 kredito unija\u201d (LCKU), kas apvieno liel\u0101ko kr\u0101jaizdevu sabiedr\u012bbu t\u012bklu Baltijas valst\u012bs, uzs\u0101k publisku subordin\u0113to oblig\u0101ciju emisiju. Sabiedr\u012bba ieguld\u012bt\u0101jiem Lietuv\u0101, Latvij\u0101 un Igaunij\u0101 pied\u0101v\u0101s ieg\u0101d\u0101ties 10 gadu oblig\u0101cijas v\u0113rt\u012bb\u0101 l\u012bdz 4 miljoniem eiro, kas tiek izlaistas saska\u0146\u0101 ar 8 miljonu oblig\u0101ciju programmu. Procentu likme sasniegs 8\u20138,25 % gad\u0101, procenti tiks izmaks\u0101ti reizi pusgad\u0101. Oblig\u0101cijas tiks izvietotas no 26. novembra l\u012bdz 12. decembrim. Emisija b\u016bs iek\u013cauta tirdzniec\u012bb\u0101 \u201cFirst North\u201d alternat\u012bvaj\u0101 NASDAQ tirg\u016b.<\/p>\n

Izvieto\u0161anu organiz\u0113 un veic ieguld\u012bjumu pakalpojumu uz\u0146\u0113mums \u201cOrion Securities\u201d.<\/p>\n

Saska\u0146\u0101 ar LCKU valdes priek\u0161s\u0113d\u0113t\u0101ja un administr\u0101cijas vad\u012bt\u0101ja Mindauga Vij\u016bna (Mindaugas Vij\u016bnas) teikto, oblig\u0101ciju emisija ir dabiska Lietuv\u0101 izveidoju\u0161\u0101s nobriedu\u0161\u0101s kr\u0101jaizdevu sabiedr\u012bbu sist\u0113mas izaugsmes da\u013ca. Piesaist\u012btie l\u012bdzek\u013ci tiks velt\u012bti LCKU kapit\u0101la stiprin\u0101\u0161anai un t\u0101l\u0101kai grupas ilgtsp\u0113j\u012bgai att\u012bst\u012bbai.<\/p>\n

\u201cLietuvas kr\u0101jaizdevu sabiedr\u012bbu nozare ir p\u0101rredzama, atbild\u012bgi regul\u0113ta finan\u0161u sist\u0113ma, kas atbilst stingrajiem ES standartiem un p\u0101rvalda risku tikpat profesion\u0101li, k\u0101 to dara banku nozare. Vienlaikus t\u0101 ir saglab\u0101jusi kooperat\u012bvu darb\u012bbas modeli, kas nodro\u0161ina papildu stabilit\u0101ti un cie\u0161u saikni ar viet\u0113j\u0101m kopien\u0101m. Cen\u0161amies nodro\u0161in\u0101t nep\u0101rtrauktu t\u0101s ilgtsp\u0113ju, vienlaikus pied\u0101v\u0101jot iesp\u0113ju ieguld\u012bt m\u016bsu emit\u0113taj\u0101 finan\u0161u instrument\u0101,\u201d saka M. Vij\u016bns.<\/p>\n

LCKU apvieno 44 no 59 Lietuvas kr\u0101jaizdevu sabiedr\u012bb\u0101m, kam ir vair\u0101k nek\u0101 100 klientu apkalpo\u0161anas punktu. Grupas akt\u012bvi ir 1,22 miljardi eiro, kred\u012btportfelis \u2013 898 milj. eiro. LCKU ir noz\u012bm\u012bga loma liel\u0101k\u0101s da\u013cas kr\u0101jaizdevu sabiedr\u012bbu nozares darb\u012bbas organiz\u0113\u0161an\u0101, koordin\u0113\u0161an\u0101 un uzraudz\u012bb\u0101.<\/p>\n

\u201cM\u016bsu darb\u012bb\u0101 vissvar\u012bg\u0101kais ir ilgtermi\u0146a stabilit\u0101te un atbild\u012bba pret m\u016bsu biedriem. T\u0101p\u0113c l\u0113mumi ir m\u0113reni, riska nov\u0113rt\u0113\u0161ana notiek \u013coti r\u016bp\u012bgi. \u0160\u012b oblig\u0101ciju emisija sniedz ieguld\u012bt\u0101jiem iesp\u0113ju iek\u013cauties finan\u0161u sist\u0113m\u0101, kura tie\u0161i veido re\u0123ionu labkl\u0101j\u012bbu,\u201d apgalvo M. Vij\u016bns.<\/p>\n

Lietuv\u0101 \u2013 sp\u0113c\u012bgs un stingri regul\u0113ts kr\u0101jaizdevu sabiedr\u012bbu tirgus<\/p>\n

Lietuv\u0101 darbojas \u013coti labi att\u012bst\u012bts kr\u0101jaizdevu sabiedr\u012bbu tirgus, kas iev\u0113rojami apsteidz Baltijas kaimi\u0146valstis. Tas p\u0101rvalda akt\u012bvus gandr\u012bz 2 miljardu eiro v\u0113rt\u012bb\u0101 un apvieno vair\u0101k nek\u0101 168 000 biedru, bet divas centr\u0101l\u0101s kr\u0101jaizdevu sabiedr\u012bbu grupas (viena no t\u0101m ir LCKU) darbojas k\u0101 nobriedu\u0161as kooperat\u012bvas sist\u0113mas, kur\u0101s ir konsolid\u0113ta riska p\u0101rvald\u012bba, IT, likvidit\u0101te un uzraudz\u012bba.<\/p>\n

\u0160is tirgus Lietuv\u0101 ir sp\u0113c\u012bgs, jo 2018. gad\u0101 valsts \u012bstenoja vienu no stingr\u0101kaj\u0101m kr\u0101jaizdevu sabiedr\u012bbu nozares reform\u0101m Eirop\u0101 \u2013 tika pastiprin\u0101tas kapit\u0101la, riska un p\u0101rvald\u012bbas pras\u012bbas, izveidoti divi kontroles centri, bet maz\u0101s vai riskant\u0101s sabiedr\u012bbas tika apvienotas vai atst\u0101ja tirgu. Tas ir \u013c\u0101vis nozarei k\u013c\u016bt par pla\u0161a m\u0113roga finansi\u0101li stabilu, vienoti regul\u0113tu un uzticamu sist\u0113mu.<\/p>\n

Procentus nosaka izsol\u0113<\/p>\n

\u201cOblig\u0101ciju emisijai tiek organiz\u0113ta procentu likmju izsole \u2013 iesniedzot pieteikumus, ieguld\u012bt\u0101ji var\u0113s nor\u0101d\u012bt, ar k\u0101du gada procentu likmi \u2013 8 vai 8,25 % \u2013 piekr\u012bt ieg\u0101d\u0101ties oblig\u0101cijas. Procentu likme tiks noteikta, izv\u0113rt\u0113jot piepras\u012bjumu p\u0113c oblig\u0101cij\u0101m da\u017e\u0101dos procentu likmju l\u012bme\u0146os,\u201d saka \u201cM\u012bkants Urba (Mykantas Urba), \u201cOrion Securities\u201d ieguld\u012bjumu noda\u013cas vad\u012bt\u0101js.<\/p>\n

Minim\u0101l\u0101 ieguld\u012bjuma summa ir 1000 eiro, oblig\u0101cijas var ieg\u0101d\u0101ties ikviens, kam ir ieguld\u012bjumu pakalpojumu l\u012bgums, kas nosl\u0113gts ar Baltijas valst\u012bs str\u0101d\u0101jo\u0161\u0101m bank\u0101m vai finan\u0161u brokeru sabiedr\u012bb\u0101m.<\/p>\n

Vair\u0101k inform\u0101cijas par \u0161o oblig\u0101ciju emisiju: https:\/\/www.orion.lt\/en\/lcku-bonds\/?fbclid=IwY2xjawOT2LxleHRuA2FlbQIxMABicmlkETFjamJHMWs0aHRLZUxlUHJ3c3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHtprN6OuS52FA8zxe6Lj8ZmhNbY8SxpTUthIrmZj-ggSffHTLqQ4ZDdfi_y7_aem_19EzY4kCfPX_esXsWhEIJA<\/a><\/p>\n

L\u012bdzek\u013ci \u2013 t\u0101l\u0101kai grupas att\u012bst\u012bbai<\/p>\n

Visi LCKU darb\u012bbas l\u0113mumi tiek pie\u0146emti, atsaucoties uz viet\u0113jo iedz\u012bvot\u0101ju un re\u0123ionu vajadz\u012bb\u0101m. \u0160\u0101dus principus iev\u0113ro ar\u012b liel\u0101k\u0101s Eiropas kooperat\u012bv\u0101s finan\u0161u iest\u0101des, s\u0101kot no V\u0101cijas \u201cVolksbanken-Raiffeisen\u201d t\u012bkla l\u012bdz N\u012bderlandes \u201cRabobank\u201d. T\u0101m rakstur\u012bga ilgsto\u0161a stabilit\u0101te un notur\u012bba pret ekonomiskajiem satricin\u0101jumiem, un t\u0101s ir k\u013cuvu\u0161as par svar\u012bgu viet\u0113j\u0101s ekonomikas balstu.<\/p>\n

\u201cPiesaist\u012btie l\u012bdzek\u013ci tiks izmantoti, lai stiprin\u0101tu LCKU kapit\u0101lu un papla\u0161in\u0101tu kr\u0101jaizdevu sabiedr\u012bbu t\u012bklu, lai b\u016btu iesp\u0113jams v\u0113l akt\u012bv\u0101k finans\u0113t valsts iedz\u012bvot\u0101jus un viet\u0113jos uz\u0146\u0113mumus. Tas \u013cauj sabiedr\u012bb\u0101m veicin\u0101t finan\u0161u ekosist\u0113mas izaugsmi un re\u0123ion\u0101l\u0101s ekonomikas stiprin\u0101\u0161anu, jo kr\u0101jaizdevu sabiedr\u012bbas bie\u017ei ir pirmie finan\u0161u partneri maz\u0101k\u0101s pils\u0113t\u0101s un kopien\u0101s. Ieguld\u012bt\u0101ji k\u013c\u016bs par sp\u0113c\u012bgas, atbild\u012bgi uzraudz\u012btas viet\u0113j\u0101s finan\u0161u sist\u0113mas veido\u0161anas da\u013cu,\u201d saka M. Vij\u016bns.<\/p>\n

Uzticams aizdevumu portfelis<\/p>\n

Vair\u0101k nek\u0101 80 % grupas aizdevumu tiek v\u0113rt\u0113ti k\u0101 zema riska aizdevumi. 2025. gada tre\u0161aj\u0101 ceturksn\u012b 99,08 % no LCKU aizdevumu portfe\u013ca veidoja nodro\u0161in\u0101ti aizdevumi, ar\u012b kopum\u0101 LKU grupas r\u0101d\u012bt\u0101js saglab\u0101j\u0101s \u013coti augsts \u2013 95,79 %.<\/p>\n

LCKU darb\u012bbu stingri uzrauga Lietuvas Banka, un t\u0101 atbilst vis\u0101m ES kapit\u0101la un likvidit\u0101tes pras\u012bb\u0101m, ko piem\u0113ro bank\u0101m. Taj\u0101 pa\u0161\u0101 laik\u0101 LKU kr\u0101jaizdevu sabiedr\u012bbu grup\u0101 ir izveidota iek\u0161\u0113j\u0101 riska uzraudz\u012bbas un stabiliz\u0113\u0161anas sist\u0113ma, kas papildina \u0101r\u0113j\u0101 regulatora veikto uzraudz\u012bbu. Jaun\u0101kie dati liecina, ka LCKU kapit\u0101la pietiekam\u012bbas r\u0101d\u012bt\u0101js ir 20,41 % (minim\u0101l\u0101 pras\u012bba \u2013 14,21 %), bet likvidit\u0101tes r\u0101d\u012bt\u0101js \u2013 160 % (minim\u0101l\u0101 pras\u012bba \u2013 50 %). LCKU kapit\u0101l\u0101 ir ieguld\u012bjusi ar\u012b Lietuvas valsts, kuras p\u0101rvald\u012btais paju ieguld\u012bjums pa\u0161laik ir 3,979 miljoni eiro. Sp\u0113c\u012bg\u0101 paju kapit\u0101la b\u0101ze un stabilie kapit\u0101la pietiekam\u012bbas r\u0101d\u012bt\u0101ji \u013cauj LCKU str\u0101d\u0101t atbild\u012bgi un stabili.<\/p>\n

Grupas aizdevumu portfelis ir diversific\u0113ts starp nozar\u0113m, zemas koncentr\u0101cijas \u2013 liel\u0101kais vienam aiz\u0146\u0113m\u0113jam pie\u0161\u0137irtais aizdevums nep\u0101rsniedz 1 % no kop\u0113j\u0101s portfe\u013ca v\u0113rt\u012bbas. Kav\u0113to aizdevumu (vair\u0101k nek\u0101 60 dienas) r\u0101d\u012bt\u0101js ir saglab\u0101jies zems \u2013 1,95 % LCKU, 3,73 % \u2013 LKU grupai. Aizdevumu jom\u0101 LCKU turpina akt\u012bvi sadarboties ar \u0101rvalstu partneriem, lai kr\u0101jaizdevu sabiedr\u012bb\u0101m sniegtu vair\u0101k aizdevumu izsnieg\u0161anas iesp\u0113ju: dal\u012bborganiz\u0101cijas var izsniegt aizdevumus ar Eiropas Invest\u012bciju fonda (EIF) garantij\u0101m saska\u0146\u0101 ar EaSI garantiju instrumentu. LCKU, nol\u016bk\u0101 stiprin\u0101t LKU grupas kapit\u0101lu, ir piesaist\u012bjusi subordin\u0113tos aizdevumus 7,4 miljonu eiro apm\u0113r\u0101 no starptautiskajiem fondiem \u201eEuropean Investment Fund\u201c (EIF) un \u201cHelenos\u201d. Turkl\u0101t LCKU ir sa\u0146\u0113musi 4 miljonu eiro aizdevumu no \u201cCouncil of Europe Development Bank\u201d.<\/p>\n

Subordin\u0113t\u0101s oblig\u0101cijas tiek pieskait\u012btas otr\u0101 l\u012bme\u0146a kapit\u0101lam, to tur\u0113t\u0101ju pras\u012bjumi tiktu apmierin\u0101ti p\u0113c citu kreditoru pras\u012bjumiem. Ar Lietuvas Bankas piekri\u0161anu LCKU subordin\u0113t\u0101s oblig\u0101cijas var\u0113s izpirkt p\u0113c pieciem gadiem.<\/p>\n

K\u0101 ieguld\u012bt?<\/p>\n

Sazinieties ar finan\u0161u brokeru sabiedr\u012bbu vai banku Igaunij\u0101, Latvij\u0101 vai Lietuv\u0101, kas p\u0101rvalda j\u016bsu v\u0113rtspap\u012bru kontu, lai iesniegtu ieguld\u012bjumu r\u012bkojumu (vai ar\u012b iesniedziet to, izmantojot attiec\u012bg\u0101s bankas pa\u0161apkalpo\u0161an\u0101s platformu).<\/p>\n

Ja jums nav nosl\u0113gts ieguld\u012bjumu pakalpojumu l\u012bgums ar finan\u0161u starpnieku, rakstiet mums uz e-pasta adresi: [email\u00a0protected]<\/a><\/p>\n

Prezent\u0101cija ieguld\u012bt\u0101jiem<\/p>\n

Aicin\u0101m ieguld\u012bt\u0101jus piedal\u012bties att\u0101lin\u0101t\u0101 oblig\u0101ciju emisijas prezent\u0101cij\u0101 ang\u013cu valod\u0101: 2025. gada 2. decembr\u012b plkst. 14:00. Saite re\u0123istr\u0101cijai<\/a><\/p>\n

<\/a><\/a><\/p>\n

#2\/2<\/p>\n

LCKU valdes priek\u0161s\u0113d\u0113t\u0101js un administr\u0101cijas vad\u012bt\u0101js Mindaugs Vij\u016bnas (Mindaugas Vij\u016bnas)<\/p>\n

Skat\u012bties p\u0101r\u0113jos att\u0113lus<\/p>\n","protected":false},"excerpt":{"rendered":"\u201cLietuvos centrin\u0117 kredito unija\u201d (LCKU), kas apvieno liel\u0101ko kr\u0101jaizdevu sabiedr\u012bbu t\u012bklu Baltijas valst\u012bs, uzs\u0101k publisku subordin\u0113to oblig\u0101ciju emisiju.…\n","protected":false},"author":2,"featured_media":59393,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[869,77,870,76,867,35,39,38,36,37,34,871,868,40,21],"class_list":{"0":"post-59392","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-biznesa-zinas","9":"tag-bizness","10":"tag-bizness-latvija","11":"tag-business","12":"tag-dienas-zinas","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-biznesa-zinas","20":"tag-latvijas-zinas","21":"tag-lv","22":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115618586555083939","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/59392","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=59392"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/59392\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/59393"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=59392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=59392"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=59392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}