Unaudited consolidated interim accounts for the second quarter and first six months of 2025

Segments (EURm)           Q2/25   Q2/24   Change    6m/25   6m/24   Change
-----------------------------------------------------------------------------
  Supermarkets              155.7   150.3    3.6%     304.0   296.7    2.5%

  Department stores         25.7    25.4     1.0%     48.4    49.4    -2.0%

  Cars                      45.1    54.1    -16.6%    82.5    98.9    -16.7%

  Security                   4.4     5.7    -24.1%     9.0    10.3    -12.8%

  Real Estate                1.9     1.8     9.5%      3.9     3.4    12.6%
-----------------------------------------------------------------------------
  Total sales               232.8   237.3    -1.9%    447.8   458.8   -2.4%
-----------------------------------------------------------------------------


  Supermarkets               3.4     5.2    -35.0%     4.0     6.2    -34.9%

  Department stores          0.0     0.2    -100.0%   -1.7    -1.0    68.1%

  Cars                       1.6     3.3    -51.3%     2.3     5.6    -58.7%

  Security                  -0.3     0.0    -747.6%   -0.4    -0.1    324.0%

  Real Estate                2.4     1.7     39.0%     4.6     3.9    17.6%

  IFRS 16                   -0.5    -0.6    -16.6%    -1.0    -1.0    -2.6%
-----------------------------------------------------------------------------
  Total profit before tax    6.6     9.9    -32.7%     7.9    13.7    -42.1%
-----------------------------------------------------------------------------

The Group's unaudited consolidated sales revenue for the second quarter of 2025
amounted  to 232.8 million euros, representing a year-on-year decrease of 1.9%.
Sales  revenue  for  the  first  half  of the year totalled 447.8 million euros,
declining  by 2.4% compared to the result for the first half of 2024, when sales
revenue  stood at 458.8 million euros. The Group's unaudited consolidated profit
before  tax  for  the  second  quarter  of 2025 was 6.6 million euros, which was
32.7% lower  than the profit recorded for  the comparable period of the previous
year.  The Group's profit before  tax for the first  six months of 2025 was 7.9
million  euros, falling short  of the result  for the comparable  period by 5.8
million  euros. Net profit for the first half of the year was 0.1 million euros,
which includes a negative tax impact of 2.5 million euros due to the increase in
income tax rates.

The  second  quarter  and  the  entire  first  half  of the year continued to be
characterised  by  a  challenging  economic  environment  shaped  by an unstable
international political situation as well as domestic tax increases and cautious
consumer  spending. The Group's sales revenue in Estonia was notably affected by
the  car tax introduced at  the beginning of the  year, which resulted in a 40%
decline  in the new  car market volume  in Estonia during  the first half of the
year  compared to the same period last  year. Nevertheless, the decline in sales
revenue  for the Group's car segment  companies operating in Estonia was limited
to  approximately one  third. Overall,  the car  segment's sales revenue for the
six-month  period  fell  short  of  the  previous  year's level by 16.7%, as the
negative  impact was offset by stronger  results from subsidiaries in Latvia and
Lithuania.  Consequently, the Group's total sales revenue also remained slightly
below  the  previous  year's  level,  although  the  sales revenue of the Selver
supermarkets  segment continued to grow, building on the momentum from the first
quarter,  and  the  sales  revenue  of  the  department stores segment also rose
slightly  above  the  previous  year's  figure.  Growth  in  these  segments was
supported  by successful  marketing and  promotional campaigns.  The real estate
segment  also contributed to the increase in non-group sales revenue and was the
only  segment to achieve profit growth. The  decline in revenue for the security
segment  resulted  from  the  seasonal  fluctuation  in  the  volume of security
equipment  projects.  The  additional  business  areas  acquired in the security
segment  in 2024, along with the other business segments, generated stable sales
revenue.

The  Group's  segments  were  able  to  maintain  their  gross margin at a level
comparable  to that of  the previous year,  thanks to skilful inventory planning
and  well-considered campaign management.  However, the decline  in gross profit
resulting  from lower revenue, the  increase in staff costs,  and the payment of
corporate  income tax at a higher rate in the first half of the year brought the
Group's  half-year  profit  to  its  lowest  level in recent years, although the
EBITDA  for  the  first  half  of  the  year  was  the fourth highest on record,
exceeding  the result for  the comparable period  in 2021. A decrease in EURIBOR
rates  provided relief  of 0.8 million  euros in  finance costs from interest on
bank loans and leases compared to the previous year, but the additional interest
expense  arising from the  revised IFRS 16 calculation  added 0.6 million euros,
which almost entirely offset the positive impact of the interest rate reduction.
The  Group's staff costs increased by  5.2%, while the total number of employees
rose  by 0.3%. One  measure to  optimise staff  costs is  the improvement of the
supply  chain in cooperation with the Group's logistics centre, which also helps
to boost the internal efficiency of trading processes. The updated KIA Sportage,
which  is among the Group's most popular  models, has reached the Baltic market,
supporting  the recovery  of the  car segment.  A positive  impact is also being
provided  by the growing demand for electric and hybrid vehicles, with the model
range  set to expand in the  coming months with the addition  of the new KIA EV4
and the electric van PV5.

In the first quarter of 2025, renovation works were carried out on two floors of
the Children's World department in the Kaubamaja Tallinn store, and in March the
completely  redesigned Children's World  was opened. The  addition of new brands
and  a lifestyle-based layout attracted a significant number of new customers to
the  Children's World  in March.  In the  department stores segment, development
work  commenced to  upgrade the  I.L.U. e-store  to a  new platform  and quality
standard,   with  completion  scheduled  for  the  third  quarter.  The  Group's
Lithuanian  real estate company is continuing with the construction of a new KIA
and  Shkoda  showroom  and  service  centre  in  Vilnius, aimed at supporting the
expansion  of the Group's car segment in the Lithuanian market. Preparatory work
has begun in Estonia for the construction of a new bodywork workshop adjacent to
the  Peetri car  dealership. Several  store renovation  projects have  also been
initiated  this  year,  with  the  aim  of  aligning  the buildings with current
business  needs and  increasing their  energy efficiency.  In the second half of
this  year,  the  renovation  of  Jõgeva  Selver  is  planned,  in  addition  to
preparations  already underway  for the  development of  the new Pärnu Papiniidu
Selver, scheduled to open in 2026, and the expansion of Laulasmaa Selver.

Preparatory  activities  are  ongoing  for  the  refurbishment  of the Kaubamaja
Tallinn  department store. The  development is based  on the winning entry "City
Break"  from the architectural competition held  in cooperation with the City of
Tallinn  and the Union  of Estonian Architects.  To realise the  project, it has
been agreed with the City of Tallinn that a new detailed planning procedure will
be  carried out.  The developers  and the  City of  Tallinn have agreed that the
detailed  planning procedure  will be  prioritised and  implemented with minimal
time expenditure in accordance with the statutory deadlines.

Selver supermarkets

The consolidated sales revenue of the Selver supermarkets segment for the second
quarter  of 2025 amounted  to 155.7 million  euros, representing  an increase of
3.6% compared  to the same  period of the  previous year. The consolidated sales
revenue  for the six-month period totalled  304.0 million euros, marking a 2.5%
growth  year on year.  The average monthly  sales revenue from  goods per square
metre  of selling space  in the second  quarter of 2025 was 0.41 thousand euros,
increasing  by  0.9% in  total  and  by  2.2% for comparable stores. The average
monthly sales revenue from goods per square metre of selling space for the first
six  months  of  2025 was  0.4 thousand  euros  both in total and for comparable
stores.  The figure was  the same for  the corresponding period  of the previous
year.  The growth  in sales  area efficiency  in the  second quarter brought the
sales  area efficiency for the first half  of 2025 back to the level recorded in
2024. A  total of  22.1 million purchases  were made  in stores during the first
half  of  2025, which  is  1.8% more  than  in  the  corresponding period of the
previous year.

The  profit before tax and  net profit for the  second quarter of 2025 were both
3.4 million  euros, which is 1.8 million euros less than in the base period. The
consolidated  profit before tax  for the supermarkets  segment for the first six
months  of 2025 was 4.0 million euros, falling  short of the comparative base by
2.2 million  euros.  The  net  profit  for  the six-month period was 3.5 million
euros,  declining  by  1.1 million  euros  compared  to  the  previous year. The
difference  between net profit  and profit before  tax is attributable to income
tax paid on dividends - this year, income tax on dividends was 1.0 million euros
lower than in the previous year. The comparative figures do not include the data
for  the Raadi and  Rocca al Mare  Selver stores opened  in the third quarter of
2024 but do include the data for the Maardu Selver, which was closed in February
this year.

The  sales performance of Selver in the  second quarter has been affected by the
general  situation in the Estonian retail  market, the weakened purchasing power
of  customers  and  more  subdued  seasonal  goods  sales  due to cooler weather
conditions.  The volume  of sales  in food  and convenience  stores continues to
decline,  reflecting  consumer  behaviour  trends  across  the  sector.  The VAT
increase  to be  implemented from  July will  further erode already low consumer
confidence. The prices of food and production inputs continue to rise, driven by
both  global and  local factors,  and it  is impossible  for retailers  to avoid
passing these increases on to end prices.

The  financial  results  for  the  second  quarter  of 2025 were impacted by the
decline in sales volumes and a decrease in the gross margin on the sale of goods
due to a higher proportion of campaign products. This year's operating cost base
has  increased due to one-off expenses related  to new stores and the closure of
the  Maardu store. However, the Group has successfully managed the pressure from
rising input prices for various services and materials and optimised expenditure
levels,  enabling operational  efficiency ratios  to be  maintained at  the same
level  as  last  year.  Pressure  on  wage  costs and the slower growth of sales
revenue  relative to  wage growth  have resulted  in a  slight decline in labour
efficiency.

Selver  plans to renovate the Jõgeva Selver in  the second half of this year. As
part  of  the  renovation,  the  store's  sales  area  will be expanded and more
environmentally  sustainable solutions will be  implemented. Across the segment,
continued  focus  remains  on  the  product  assortment  and the optimisation of
processes.  To adapt  even better  to changed  customer demand, Selver added the
Scandinavian  white-label brand First Price to  its assortment in the first half
of  the year,  which is  available exclusively  at Selver  and Delice. The First
Price  range represents affordable pricing and reliable Scandinavian quality and
broadens  the selection of  the most competitively  priced everyday products. In
2025, full  use will be  made of the  logistics centre established  in Maardu in
2024 within the supply chain. There will also be a continued focus on increasing
activity  on the Bolt Market and Wolt  platforms and on developing the Selver e-
store.  At  the  beginning  of  this  year,  Selver's  e-store was chosen as the
public's favourite grocery and convenience goods shop in a public vote organised
by  the  Estonian  E-Commerce  Association.  In  April, Selver joined the 'For a
Violence-Free Life' initiative, led by the President Kaljulaid Foundation, which
unites  employers in taking  action against domestic  violence. In 2026, one new
store  is  planned  to  be  opened  -  the  Papiniidu  Selver in Pärnu - and the
Laulasmaa  Selver  in  Harjumaa  will  be  expanded  and  renovated. Preparatory
activities for both projects have already commenced.

The  supermarkets segment continues to operate responsibly and with a commitment
to  sustainability, with  the aim  of continuously  improving its  activities to
reduce  environmental impact.  To increase  environmental sustainability,  a new
waste  collection  system  has  been  developed  and  introduced  to  raise  the
proportion  of waste that is recycled, thereby reducing the environmental impact
of our operations. In our refrigeration systems, we have begun to introduce more
environmentally  friendly refrigerants  with very  low global warming potential,
helping  to reduce our carbon  footprint. For Kulinaaria's production, packaging
and  its  use  remain  a  key  area  of focus. In product development, alongside
maintaining high product quality, significant attention is given to reducing the
salt, sugar and fat content of products.

Department stores

The  sales revenue of  the department stores  segment for the  second quarter of
2025 amounted  to 25.7 million  euros, representing  a 1.0% increase compared to
the  corresponding period of the  previous year. No profit  was generated in the
second  quarter, resulting in  a shortfall of  0.2 million euros compared to the
result  for the corresponding  period of the  previous year. The six-month sales
revenue  totalled  48.4 million  euros,  which  is  2.0% lower than for the same
period  last year. The department stores segment recorded a pre-tax loss of 1.7
million  euros  for  the  first  six  months of 2025, which is 0.7 million euros
weaker than the result for the previous year.

The  average sales revenue of the department  stores per square metre of selling
space for the six-month period was 0.30 thousand euros per month, down 1.8% year
on  year.  The  cooling  economic  climate  continued for the second consecutive
quarter,  with  various  campaigns  performing  well  as  a  result.  The Spring
'Osturalli' campaign proved highly successful, marking the second best result in
the campaign's history and contributing positively to the second quarter's sales
revenue.  Unfortunately, neither a milder winter  nor one of the coldest summers
have  had  the  expected  effect  on  seasonal  goods  sales. On the other hand,
Kaubamaja's  stock situation  is better  than in  the previous year, which meant
there  was no need for extensive discounting. In grocery retail, a product range
that stands out from competitors has continued to attract new loyal customers to
Toidumaailm  stores,  with  sales  results  exceeding expectations. In the early
months  of the  year, renovation  works were  carried out  on two  floors of the
Tallinna  Lastemaailm department, and in March the fully renewed department with
a  new  concept  was  opened.  New  brands  and  lifestyle-based  displays  were
introduced,  generating  lively  interest  among  customers.  Exclusive  special
collections  available only at Kaubamaja  have also attracted positive attention
and  performed well - including the anniversary collection in collaboration with
Lilli  Jahilo and the Konges  Slojd children's collection, available exclusively
in Estonia at Kaubamaja. In the first half of the year, customer interest in the
e-store  grew significantly compared to the previous period, with growth figures
in the double digits.

The  sales revenue of OÜ  TKM Beauty Eesti, which  operates the I.L.U. cosmetics
stores, was 1.9 million euros for the second quarter of 2025, declining by 2.9%
compared  to the  same period  in 2024. The  second-quarter loss was 0.1 million
euros,  which  is  0.1 million  euros  lower  than the result for the comparable
period  in 2024. The  sales revenue  for the  first half of 2025 was 3.7 million
euros,  down 4.8% year  on year.  The loss  for the  first half of 2025 was 0.1
million  euros, which  is 0.2 million  euros lower  than for  the same period in
2024. Overall  consumer confidence  remained low  and continued  to impact sales
performance.  Despite  several  successful  campaigns  that  maintained customer
footfall  at the same level as in  the previous period, meeting sales targets on
regular  days remains a  challenge. Customers now  plan their visits to shopping
centres and their purchases carefully, paying particular attention to the timing
of promotional campaigns.

Car trade

The  sales revenue of the car segment for the second quarter of 2025 amounted to
45.1 million  euros,  which  was  16.6% lower  than  in  the  same period of the
previous year. The pre-tax profit for the second quarter of 2025 was 1.6 million
euros,  which was 1.7 million euros  weaker than the profit  for the same period
last  year. The segment's sales revenue for  the first six months totalled 82.5
million  euros, representing a 16.7% decrease compared to the same period of the
previous year. The pre-tax profit for the first half of the year was 2.3 million
euros,  falling short of last year's result  by 3.3 million euros. In the second
quarter,  1,403 new vehicles were sold. A  total of 2,433 new vehicles were sold
in the first half of the year, which was 23.3% fewer than in the previous year.

The  sales revenue of the car segment  was significantly affected by the car tax
introduced in Estonia at the beginning of the year, which led to a 40% reduction
in  the volume of the  new car market in  Estonia in the first  half of the year
compared  to  the  same  period  last  year.  Nevertheless, the decline in sales
revenue for the Group's Estonian car businesses was limited to approximately one
third. Overall, the car segment's six-month sales revenue was down 16.7% year on
year,  with the negative impact offset  by stronger performance from the Group's
Latvian and Lithuanian subsidiaries. Despite the decline in the Estonian market,
the  Group's pan-Baltic business model enables  the diversification of risks and
helps  maintain the  car segment's  profitability, although  KIA sales have been
more  modest while awaiting new models. The updated KIA Sportage, which is among
the  Group's most popular  models, has now  arrived on the  Baltic market and is
supporting  the recovery of the car  segment. Further positive momentum is being
provided  by the growing demand for electric and hybrid vehicles, with the model
range  to be expanded in the coming months with the new KIA EV4 and the electric
van PV5.

Construction  of the KIA-Shkoda multi-brand  dealership in Vilnius, Lithuania, is
progressing  as planned. In  Estonia, Viking Motors'  new flagship KIA sales and
service centre opened its doors at the beginning of the year on the outskirts of
Tallinn  in Peetri. Work has also commenced on the construction of a body repair
workshop adjacent to the Peetri dealership.

Security segment

The  non-group sales revenue of  the security segment for  the second quarter of
2025 amounted  to  4.4 million  euros,  declining  by 24.1% compared to the same
period  of the  previous year.  The pre-tax  loss for  the segment in the second
quarter  totalled 0.3 million euros, which was  0.3 million euros weaker than in
the  same period last year. The non-group sales revenue for the security segment
for  the first half  of 2025 was 9.0 million  euros, decreasing by 12.8% year on
year.  The pre-tax loss for the first  six months of the segment was 0.4 million
euros, 0.3 million euros weaker than for the same period last year.

Following  last  year's  exceptionally  strong  growth  base  of 63%, the second
quarter  of  this  year  was  considerably  weaker.  The  negative impact of the
economic  environment has  increasingly affected  all areas  of activity through
clients,  reflected  in  both  a  reduction  in  volumes  and pressure on profit
margins.  Managing the  continued rise  in input  costs remains a challenge. The
results  in the security technology projects field  fell the most, mainly due to
seasonal  fluctuations in project  volumes. On the  positive side, the technical
surveillance  portfolio  continued  to  grow.  The  company  remains  focused on
improving efficiency and increasing sales activity.

Real estate

The non-group sales revenue of the real estate segment for the second quarter of
2025 amounted to 1.9 million euros, representing an increase of 9.5% compared to
the  same period of the previous year. The non-group sales revenue for the first
six  months was  3.9 million euros,  rising by  12.6% year on  year. The pre-tax
profit  for the  segment in  the second  quarter totalled  2.4 million euros, an
increase  of 39.0% compared to the reference  period. The pre-tax profit for the
first six months of 2025 was 4.6 million euros, up by 17.6%.

The  growth in sales revenue in the first half of the year was largely supported
by  the  addition  of  rental  income  from  the logistics centre that commenced
operations  at the end of  last year. The logistics  centre has been leased to a
non-group  entity.  At  the  beginning  of  the  year, a new tenant, the Vapiano
restaurant,  opened in the  Viimsi Centre, which  boosted the centre's footfall.
Sales revenue declined in the Latvian real estate company due to the sale of the
Rezekne  and Ogre commercial properties to non-group entities at the end of last
year  and the sale of  the Kuldiga and Salaspils  properties at the beginning of
this year. The results for the reference period included the loss on the sale of
the  Punane Selver building, which was  sold in April 2024. The segment's profit
growth was supported by lower borrowing costs.

The Lithuanian real estate company commenced construction last year of a new KIA
and Shkoda dealership and service building in Vilnius. In Estonia, work has begun
on  the construction of a body repair workshop next to the KIA sales and service
centre  in  Peetri.  In  addition,  several  store renovation projects are being
prepared  with the  aim of  modernising the  buildings to  meet current business
needs, including improving energy efficiency.

CONSOLIDATED STATEMENT OF FINANCIAL POSITION

In thousands of euros?

-------------------------------------------------------------------------
                                                 30.06.2025   31.12.2024
-------------------------------------------------------------------------
  ASSETS
-------------------------------------------------------------------------
  Current assets

  Cash and cash equivalents                          20,820       45,454

  Trade and other receivables                        20,230       30,310

  Inventories                                        98,321       97,091
-------------------------------------------------------------------------
  Total current assets                              139,371      172,855
-------------------------------------------------------------------------
  Non-current assets

  Long-term receivables and prepayments                 234          235

  Investments in associates                           1,851        1,733

  Investment property                                76,629       81,284

  Property, plant and equipment                     423,513      424,794

  Intangible assets                                  26,226       25,785
-------------------------------------------------------------------------
  Total non-current assets                          528,453      533,831
-------------------------------------------------------------------------
  TOTAL ASSETS                                      667,824      706,686
-------------------------------------------------------------------------

-------------------------------------------------------------------------
  LIABILITIES AND EQUITY
-------------------------------------------------------------------------
  Current liabilities

  Borrowings                                         25,686       44,436

  Trade and other payables                          101,425      110,997
-------------------------------------------------------------------------
  Total current liabilities                         127,111      155,433
-------------------------------------------------------------------------
  Non-current liabilities

  Borrowings                                        295,811      279,958

  Trade and other payables                            1,305        1,285

  Deferred tax liabilities                            7,939        7,939

  Provisions for other liabilities and charges          516          543
-------------------------------------------------------------------------
  Total non-current liabilities                     305,571      289,725
-------------------------------------------------------------------------
  TOTAL LIABILITIES                                 432,682      445,158
-------------------------------------------------------------------------
  Equity

  Share capital                                      16,292       16,292

  Statutory reserve capital                           2,603        2,603

  Revaluation reserve                               110,812      112,167

  Retained earnings                                 105,435      130,466
-------------------------------------------------------------------------
  TOTAL EQUITY                                      235,142      261,528
-------------------------------------------------------------------------
  TOTAL LIABILITIES AND EQUITY                      667,824      706,686
-------------------------------------------------------------------------

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME

In thousands of euros

  -----------------------------------------------------------------------------
                                                                       6 months
                         II quarter 2025 II quarter 2024 6 months 2025   2024
  -----------------------------------------------------------------------------
   Revenue                       232,846         237,323       447,780  458,826

   Other operating
   income                            292             341           621      550



   Cost of merchandise          -168,625        -171,511      -325,049 -333,601

   Service expenses              -15,102         -14,956       -30,853  -30,218

   Staff costs                   -29,218         -27,398       -57,521  -54,692

   Depreciation,
   amortisation and
   impairment losses             -10,607         -10,467       -21,373  -21,077

   Other expenses                   -208            -458          -576     -790
  -----------------------------------------------------------------------------
   Operating profit                9,378          12,874        13,029   18,998
  -----------------------------------------------------------------------------
   Finance income                     75              76           354      329

   Finance costs                  -2,877          -3,142        -5,586   -5,790

   Finance income on
   shares of associates
   accounted for using
   the equity method                  62              61           118      133

   Profit before tax               6,638           9,869         7,915   13,670
  -----------------------------------------------------------------------------
   Income tax expense                 -1              -1        -7,827   -5,313
  -----------------------------------------------------------------------------
   NET PROFIT FOR THE
   FINANCIAL YEAR                  6,637           9,868            88    8,357
  -----------------------------------------------------------------------------
   Other comprehensive
   income:

   Items that will not
   be subsequently
   reclassified to
   profit or loss
  -----------------------------------------------------------------------------
   Other comprehensive
   income for the
   financial year                      0               0             0        0
  -----------------------------------------------------------------------------
   TOTAL COMPREHENSIVE
   INCOME FOR THE
   FINANCIAL YEAR                  6,637           9,868            88    8,357
  -----------------------------------------------------------------------------
 Basic and diluted
 earnings per share
 (euros)                            0,16            0.24          0,00 0.21

Raul Puusepp

Chairman of the Board

Phone +372 731 5000