Qliro AB (publ) (STO:QLIRO)

Qliro AB Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	200.2	403	101	900.6	57.5	155.1
Investment Securities	329	651.1	616.1	293.6	354	290.1
Trading Asset Securities	3.1	2.1	-	1.7	-	-
Total Investments	332.1	653.2	616.1	295.3	354	290.1
Gross Loans	2,010	2,088	2,747	2,830	2,871	2,591
Allowance for Loan Losses	-162.3	-157.9	-134.3	-143.8	-112.1	-130.5
Net Loans	1,848	1,930	2,613	2,687	2,759	2,460
Property, Plant & Equipment	9.9	14.7	16.8	13.9	27.5	31.5
Accrued Interest Receivable	11.8	5.4	9.6	1.8	1.7	1.6
Other Receivables	75.9	82.8	61.7	58.5	47.2	47
Other Current Assets	34.1	46	22.5	19.3	20.9	18.2
Long-Term Deferred Tax Assets	76.7	60.1	56	60.2	37.2	28.8
Other Long-Term Assets	-0.1	-0.2	-	-	-	-0.1
Total Assets	2,891	3,454	3,695	4,205	3,474	3,195
Accounts Payable	-	7.7	15	16.4	5.5	7.9
Accrued Expenses	82.5	50.2	49.7	65.5	53.8	47.1
Interest Bearing Deposits	1,928	1,543	1,858	1,404	992.5	1,103
Non-Interest Bearing Deposits	-	1,180	1,093	1,916	1,239	1,030
Total Deposits	1,928	2,723	2,951	3,321	2,231	2,133
Short-Term Borrowings	0.1	-	0.4	34.2	6.4	30.5
Current Portion of Leases	-	5.6	5.6	4.7	10.1	10.1
Accrued Interest Payable	-	-	0.8	0.7	0.5	0.5
Other Current Liabilities	-	4	3.3	3.4	3.5	3.5
Long-Term Debt	166.3	-	100	100	552.2	315
Long-Term Leases	-	4.1	4.2	4.7	4.7	4.7
Long-Term Unearned Revenue	-	8.4	6.9	19.1	13.2	15
Other Long-Term Liabilities	121.7	91.9	77.9	165.2	45	40.1
Total Liabilities	2,299	2,895	3,215	3,734	2,926	2,607
Common Stock	79.2	59.6	53.4	53.4	50.3	50.3
Additional Paid-In Capital	-	-	-	2.5	2.5	2.5
Retained Earnings	464.1	452.1	430.8	418.5	495.3	535.2
Comprehensive Income & Other	49.4	47.5	-4	-3.9	-	-
Shareholders' Equity	592.7	559.2	480.2	470.5	548.1	588
Total Liabilities & Equity	2,891	3,454	3,695	4,205	3,474	3,195
Total Debt	166.4	9.7	110.2	143.6	573.4	360.3
Net Cash (Debt)	36.9	395.4	-9.2	758.7	-515.9	-205.2
Net Cash Per Share	1.63	20.35	-0.49	39.76	-28.70	-11.42
Filing Date Shares Outstanding	28.28	21.29	19.07	19.07	17.97	17.97
Total Common Shares Outstanding	28.28	21.29	19.07	19.07	17.97	17.97
Book Value Per Share	19.09	23.79	25.18	24.67	30.50	32.72
Tangible Book Value	592.7	559.2	480.2	470.5	548.1	588
Tangible Book Value Per Share	19.09	23.79	25.18	24.67	30.50	32.72

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