Banks and Financial Institutions

Our clientele includes a wide range of companies operating in the financial sector: both local and international credit institutions, credit providers, investment firms, fund managers, funds, e-money institutions, payment institutions, insurance providers, as well as innovative Fintech companies entering the market.

Our team, dedicated to the needs of the financial sector, advises clients on all industry-specific legal matters to ensure the success of financial sector companies in serving their clients and achieving their business objectives, including:

Starting operations

  • Establishing and managing a financial sector company
  • Procedures for obtaining necessary licenses and registrations, including those with the Financial Supervision Authority, the European Central Bank, and the Financial Intelligence Unit, as well as cross-border service provision issues
  • Creating internal rules and processes

Financing

  • Initial public offerings (IPO’s) and stock market listings
  • Bond issuances
  • Issuance of covered bonds
  • Financing of FinTech companies by angel investors and venture capital funds
  • Shareholder loans
  • Raising capital through securitization

Supporting core business operations

  • Financial sector client agreements and product terms and conditions, including investment services and standard terms
  • Loan origination and governance processes, including syndicate loan issuance
  • Establishing and implementing anti-money laundering and international sanctions compliance systems
  • Cross-border offering issues related to products and instruments
  • Regulatory legal analyses, including classification of products/services, whether they require a license/registration, and the applicable conditions
  • Issues related to operating in the securities market
  • Factoring and leasing solutions
  • Data protection and IT governance matters

Transactions, including business expansion and restructuring

  • Complex international restructurings, mergers, divisions, and branch establishments
  • Acquisitions of stakes in financial sector companies, including necessary background analyses (due diligence), transaction documentation, and related regulatory approvals

Proceedings

  • Supervisory relationships (including administrative and misdemeanour proceedings, remote and on-site inspections)
  • Court disputes and criminal proceedings
Recognitions
Chambers Europe 2025, Banking & Finance, Lithuania office
“The lawyers can combine their knowledge and offer an all-encompassing solution. They do their homework before coming to see us and include things we have not thought about.”
Legal 500 2025, Banking, Finance and Capital Markets, Lithuania office
“They are highly effective advisors who guide us through complex financing tasks. The COBALT team leverages its outstanding members to provide expert advice on preparing necessary documentation, ensuring compliance with market standards, representing us before authorities, and more. We highly recommend their services.”