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Regulatory press release

Resurs Holding Interim Report January – March 2025

Resurs Holding
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1 JANUARY–31 MARCH 2025*

  • Lending to the public decreased 2% to SEK 38,842 million (39,682). Lending to the public was stable in local currency.
  • The period was impacted by items affecting comparability of SEK 326 million, due to identified impairment of capitalised IT development.
  • Operating income increased 4% and amounted to SEK 917 million (881).
  • C/I before credit losses was 84.8% (46.1%) and excluding items affecting comparability 49.2% (43.6%).
  • The credit loss ratio improved to 3.4% (4.7%).
  • Operating profit decreased to SEK -199 million (18), and excluding items affecting comparability the operating profit increased 218% to SEK 128 million (40).
  • Earnings per share decreased to SEK -0.67 (0.05), and excluding items affecting comparability were SEK 0.41 (0.16).
  • The total capital ratio amounted to 17.5% (16.1%) and has a buffer of 343 basis points in relation to the regulatory requirement.
  • The Common Equity Tier 1 ratio amounted to 15.1% (13.7%) and has a buffer of 532 basis points in relation to the regulatory requirement.

* Certain performance measures provided in this report have not been prepared in accordance with IFRS or the capital adequacy rules, meaning that they are alternative performance measures. Calculations and reconciliation of these performance measures against information in the financial statements are provided on the website under “Financial reports.” Definitions of performance measures are provided on the website under “Financial data.”

MORE INFORMATION:
Sofie Tarring Lindell, CFO and Head of IR, +46-73 644 33 95, sofie.tarringlindell@resurs.se
Måns Renntun, Head of Communications, +46-709-849620, mans.renntun@resurs.se

ABOUT RESURS HOLDING
Resurs Holding (Resurs), which operates through the subsidiary Resurs Bank, is the leader in retail finance in the Nordic region, offering payment solutions, consumer loans and niche insurance products. Since its start in 1977, Resurs Bank has established itself as a leading partner for sales-driven payment and loyalty solutions in retail and e-commerce, and Resurs has thus built a customer base of approximately six million private customers in the Nordics. The Resurs Group operates in Sweden, Denmark, Norway and Finland. At the end of the first quarter of 2025, the Group had 718 employees and a loan portfolio of SEK 38.8 billion. Resurs Bank has had a banking licence since 2001 and is under the supervision of Finansinspektionen. Resurs is listed on Nasdaq Stockholm.

This information is information that Resurs Holding is obliged to make public pursuant to the EU Market Abuse Regulation. The information was submitted for publication, through the agency of the contact persons set out above, at 2025-05-06 19:20 CEST.

Attachments
Resurs Holding AB Interim Report January March 2025

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