Selskabsmeddelelse

Resurs Holding Year-end Report January–December 2024

1 October–31 December 2024

Lending to the public rose 3% to SEK 39,903 million (38,846).
The period was impacted by items affecting comparability of SEK 39 million, as described on page 7 of this report.
Operating income amounted to SEK 881 million (889), and excluding items affecting comparability to SEK 902 million.
C/I before credit losses was 52.4% (68.0), and excluding items affecting comparability 49.2% (41.9).
The credit loss ratio improved to 3.7% (6.3).
Operating profit increased to SEK 56 million (-331), and excluding items affecting comparability to SEK 95 million (47).
Earnings per share increased to SEK 0.10 (-1.58), and excluding items affecting comparability were SEK 0.26 (0.06).

1 January—31 December 2024

Lending to the public rose 3% to SEK 39,903 million (38,846).
The year was impacted by items affecting comparability totalling SEK -178 million, as described on page 7 of this report.
Operating income rose to SEK 3,563 million (3,489), and excluding items affecting comparability to SEK 3,583 million.
C/I before credit losses was 48.6% (47.7), and excluding items affecting comparability 43.9% (41.1).
The credit loss ratio increased to 4.0% (3.8).
Operating profit declined to SEK 261 million (388), and excluding items affecting comparability to SEK 439 million (766).
Earnings per share declined to SEK 0.64 (1.14), and excluding items affecting comparability to SEK 1.43 (2.79).
Net profit for the full-year 2024 amounted to SEK 200 million (258), and excluding items affecting comparability to SEK 358 million (586).
The Board of Directors has decided not to propose a dividend to the 2025 Annual General Meeting.

* 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.” In this section, changes and comparative figures refer to the same period in the preceding year. This applies to all other sections of text in this interim report, profit/loss items and cash flow that are compared with the same period in the preceding year.

Resurs will not offer a webcast telephone conference. CEO Magnus Fredin and CFO & Head of IR Sofie Tarring Lindell are available during the report day for digital meetings with analysts, investors and the media. The report will be published on resursholding.com at 07.30 on Wednesday 12 February.

FOR MEDIA CONTACTS:
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. Resurs Bank has had a banking licence since 2001 and is under the supervision of Finansinspektionen. The Resurs Group operates in Sweden, Denmark, Norway and Finland. At the end of the fourth quarter of 2024, the Group had 673 employees and a loan portfolio of SEK 39.9 billion. Resurs is listed on Nasdaq Stockholm.