Qliro AB Income Statement

Financials in millions SEK. Fiscal year is January - December.

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	280.3	289.4	267	288.9	262.6	240.6
Interest Paid on Deposits	83.4	88.8	68.5	50.4	39.7	35.6
Net Interest Income	196.9	200.6	198.5	238.5	222.9	205
Net Interest Income Growth (YoY)	-2.33%	1.06%	-16.77%	7.00%	8.73%	-
Gain (Loss) on Sale of Investments	-0.1	-0.1	0.3	-	-0.2	-
Other Non-Interest Income	201.6	197.3	175.9	172.3	176.2	174.7
Total Non-Interest Income	201.5	197.2	176.2	172.3	176	174.7
Non-Interest Income Growth (YoY)	4.03%	11.92%	2.26%	-2.10%	0.74%	-
Revenues Before Loan Losses	398.4	397.8	374.7	410.8	398.9	379.7
Provision for Loan Losses	111.9	106.4	92.6	116.1	81.9	102.5
Revenue	286.5	291.4	282.1	294.7	317	277.2
Revenue Growth (YoY)	-0.45%	3.30%	-4.28%	-7.03%	14.36%	-
Occupancy Expenses	80.9	68.1	67.8	105.4	96	85.8
Selling, General & Administrative	279	239.6	224.8	287.5	241	225.8
Other Non-Interest Expense	30.3	17	13.9	17.1	28.3	31.1
Total Non-Interest Expense	390.2	324.7	306.5	410	365.3	342.7
EBT Excluding Unusual Items	-103.7	-33.3	-24.4	-115.3	-48.3	-65.5
Asset Writedown	-	-	-	-0.2	-	-15.6
Pretax Income	-103.7	-33.3	-24.4	-115.5	-48.3	-81.1
Income Tax Expense	-20.7	-5.8	-3.3	-22	-8.4	-14.1
Earnings From Continuing Operations	-83	-27.5	-21.1	-93.5	-39.9	-67
Earnings From Discontinued Operations	-9.1	5.6	25.2	-	-	-
Net Income	-98.6	-21.9	4.1	-93.5	-39.9	-67
Net Income to Common	-98.6	-21.9	4.1	-93.5	-39.9	-67
Basic Shares Outstanding	23	19	19	19	18	18
Diluted Shares Outstanding	23	19	19	19	18	18
Shares Change (YoY)	21.39%	4.24%	-2.33%	6.17%	-	-
EPS (Basic)	-4.36	-1.13	0.22	-4.90	-2.22	-3.73
EPS (Diluted)	-4.36	-1.13	0.22	-4.90	-2.22	-3.73

Source: S&P Global Market Intelligence. Banks template. Financial Sources.