CEO Øyvind Oanes and CFO Eirik Holtedahl will present Morrow Bank at Investorweb
on 25 February 2025 at 19:00 CET, followed by a Q&A session.

Link to the presentation: ir.investorweb.no/MOBA 

Key highlights from the presentation attached:

Built a highly scalable banking platform
o 31% loan balance growth in 2024, opex reduced
o 65% y-o-y pre-tax profit growth in Q4 2024

Strong value drivers in place for 2025-2026
o Macro improving, loan losses declining
o Increasingly generating excess capital

Attractive shareholder value creation potential
o Currently trading at ~35% discount to Swedish peers
o Redomiciliation could bring ROTE to ~20% from current ~11%

A recording will be made available on the company's investor webpage after the
presentation. 

For further information, please contact: 
Eirik Holtedahl, CFO 
tel: +47 96912291 
email: ir@morrowbank.com 

About Morrow Bank ASA 
Morrow Bank is a Nordic niche bank offering personal loans, credit cards and
deposit accounts to consumers. The target group is creditworthy individuals with
stable personal finances and no payment remarks. Credit risk is managed largely
by automated processes for credit assessment and underwriting. The Bank has a
diversified and balanced distribution model utilizing both public and
proprietary channels. Operational efficiency and low cost are a foundation for
Morrow Bank and are enabled by centralized operations, modern systems and
digital set-up. 

To learn more, visit ir.morrowbank.com