DelfinGroup changes its corporate structure to a Joint Stock Company. The reorganization is aimed at further increasing the company's transparency and ability to attract outside financing. 

A new financing product is developed to penetrate the Latvian leasing and purchase financing markets. The product allows customers to streamline their shopping experience, by simplifying the shopping experience. 

The new corporate identity introduces not just a new name, but also a brand new vision, mission, and updated values.

VIZIA is a modern financial services provider, specializing in easy and fast consumer loans for both small and large life situations. VIZIA operates in a fully online environment.

The online store provides an additional channel for the sale of goods, significantly increasing the range of potential customers.

veikals.banknote.lv

Banknote launches a new website enabling clients to receive online services.

The company achieves Bureau Veritas ISO certification signifying the quality of internal processes and controls.

Lombards24.lv is rebranded to Banknote - a customer-friendly brand that emphasizes that the company is not exclusively focused on pawn loans. 

Riga City Pawnshop was the oldest pawnshop in Latvia, having begun operations in 1802.

The acquisition of the pawnshop supported ExpressCredit's market leadership position and expanded the client base that had been developed over centuries by Riga City Pawnshop.

At the end of 2013 corporate bonds were issued to the amount of 8.5 million EUR: 5 million EUR in secured bonds and 3.5 million EUR in unsecured bonds.

Subsequently, bonds were listed on Nasdaq Baltic stock exchange's regulated list Riga First North.

Consumer lending launched in the branch network, allowing clients to apply for and receive larger loans.

On average, each branch reaches its break-even point within six months of operation.  The network of branch covers 15 cities in Latvia.

The first branch was opened in the centre of Riga at 119 Dzirnavu Street. The branch is still in operation as of 2021.