Resurs Bank Year-end Report January December 2025

13 Feb 2026 08:00 CET

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

ABOUT RESURS
Flexible payments and finances, made easy. At Resurs Bank, we make it easier
for individuals and businesses across the Nordics to realize their ambitions
-- every day. For nearly 50 years, we've been a trusted financial partner,
creating long-term value for our customers, our partners, and the communities
we proudly serve and are a part of. Today, we have a customer base of
approximately 6 million customers and 757 employees in the Nordic region.

This information is information that Resurs Bank AB is obliged to make public
pursuant to the Securities Markets Act and the Norwegian Securities Trading
Act Section 5-12. The information was submitted for publication, at 2026-02-13
08:00 CET.

More information:
Access the news on Oslo Bors NewsWeb site

665790_Resurs Bank Year End Report 2025.pdf