The quarter in brief October – December 2023 (October – December 2022) 

• Total operating income increased by 9 percent to SEK 116.4 million (106.4) 
• Operating expenses decreased by 36 percent to SEK –74.4 million (–116.0) 
• Net credit losses increased 8 percent to SEK –39.4 million (–36.6) 
• Operating profit (EBT) was SEK 2.6 million (–46.1) 
• Profit/loss for the period was SEK 1.5 million (–37.1) 
• Earnings per share before and after dilution amounted to SEK 0.08 (–1.95) 

The period in brief January – December 2023 (January – December 2022) 

• Total operating income increased by 9 percent to SEK 448.5 million (410.9) 
• Operating expenses decreased by 22 percent to SEK –318.6 million (–410.3). Adjusted for items affecting comparability, operating expenses decreased by 16 percent to SEK –316.4 million (–374.4) 
• Net credit losses increased 5 percent to SEK –121.7 million (–116.1) 
• Operating profit (EBT) was SEK 8.2 million (–115.5). Operating profit (EBT) for the period adjusted for items affecting comparability amounted to SEK 10.4 million (–79.6) 
• Profit/loss for the period was SEK 4.1 million (–93.5). Profit/loss for the period adjusted for items affecting comparability amounted to SEK 5.9 million (–65.0) 
• Earnings per share before and after dilution amounted to SEK 0.22 (–4.90) 

Extract from CEO Christoffer Rutgersson's statement: 
“We concluded 2023 by reaching our financial target of full-year positive operating profit (EBT) as a result of sustained positive income growth and a profitable Q4. We strengthened our market position by extending the collaboration with Nelly Group. After the end of the quarter, we entered into agreements with Skruvat and Bythjul, who are expected to contribute significant combined sales volume of over SEK 1 Bn.” 
 
Presentation of the Interim Report 
Today, February 8, 2024, at 10:00 a.m., CEO Christoffer Rutgersson and CFO Robert Stambro will present the year-end report 2023. The presentation will be held in English. 
 
Participate via webcast 
If you would like to participate via webcast, please click on the link below. It will also be possible to submit written questions via the webcast. 
 
Link: https://ir.financialhearings.com/qliro--q4-report-2023 
 
Participate via conference call 
If you would like to participate via conference call, please register using the link below. After registering, you will receive a telephone number and a conference/user ID to log into the conference. The conference call will allow you to ask verbal questions. 
 
Link: https://conference.financialhearings.com/teleconference/?id=5005681