1 January – 30 June 2025*

• Lending to the public decreased 2% to SEK 38,999 million (39,733).
• Operating income increased 4% to SEK 1,856 million (1,780).
• The period was impacted by items affecting comparability of SEK 326 million, due to identified impairment of capitalised IT development.
• C/I before credit losses was 66.5% (47.2%) and excluding items affecting comparability 49.0% (43.2%).
• Profit before credit losses amounted to SEK 621 million (939), excluding items affecting comparability SEK 947 million (1,012).
• The credit loss ratio improved to 3.2% (4.3%).
• Operating profit decreased and amounted to SEK -1 million (86), excluding items affecting comparability the operating profit increased and amounted to SEK 325 million (159).
• The Total Capital Ratio increased and amounted to 17.9% (16.0%).
• The Common Equity Tier 1 ratio increased and amounted to 15.5% (13.6%).

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

MER 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