1 January - 31 December 2025

• Lending to the public amounted to SEK 39,104 million (39,903).
• The year was impacted by non‑recurring items totalling SEK -308 million. Early in the year, was affected by an impairment of previously capitalised IT development amounting to SEK -326 million, while late in the year, brought a positive effect of SEK 19 million following clarification from the Norwegian Tax Administration.
• Operating income increased 5% and amounted to SEK 3,759 million (3,565).
• C/I before credit losses was 57.7% (46.2%) and excluding items affecting comparability 49.5% (43.4%).
• The credit loss ratio decreased to 3.0% (4.0%).
• Operating profit amounted to SEK 390 million (349), and excluding items affecting comparability SEK 698 million (460).
• The Total Capital Ratio increased and amounted to 19.7% (16.3%).
• The Common Equity Tier 1 ratio increased and amounted to 16.1% (13.9%).

* 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.”

CONTACT:
Måns Renntun, Head of Communications, +46-709-849620, mans.renntun@resurs.se