Qliro AB Balance Sheet

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

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	48.5	403	101	900.6	57.5
Investment Securities	767.9	651.1	616.1	293.6	354
Trading Asset Securities	0.6	2.1	-	1.7	-
Total Investments	768.5	653.2	616.1	295.3	354
Gross Loans	2,197	2,088	2,747	2,830	2,871
Allowance for Loan Losses	-164.6	-157.9	-134.3	-143.8	-112.1
Net Loans	2,033	1,930	2,613	2,687	2,759
Property, Plant & Equipment	7.8	14.7	16.8	13.9	27.5
Accrued Interest Receivable	9.7	5.4	9.6	1.8	1.7
Other Receivables	90.9	82.8	61.7	58.5	47.2
Other Current Assets	31.7	46	22.5	19.3	20.9
Long-Term Deferred Tax Assets	78.8	60.1	56	60.2	37.2
Other Long-Term Assets	-0.1	-0.2	-	-	-
Total Assets	3,376	3,454	3,695	4,205	3,474
Accounts Payable	2.7	7.7	15	16.4	5.5
Accrued Expenses	65	50.2	49.7	65.5	53.8
Interest Bearing Deposits	1,371	1,543	1,858	1,404	992.5
Non-Interest Bearing Deposits	1,168	1,180	1,093	1,916	1,239
Total Deposits	2,540	2,723	2,951	3,321	2,231
Short-Term Borrowings	-	-	0.4	34.2	6.4
Current Portion of Leases	4.2	5.6	5.6	4.7	10.1
Accrued Interest Payable	-	-	0.8	0.7	0.5
Other Current Liabilities	81.1	48.9	3.3	3.4	3.5
Long-Term Debt	66.5	-	100	100	552.2
Long-Term Leases	-	4.1	4.2	4.7	4.7
Long-Term Unearned Revenue	8.6	8.4	6.9	19.1	13.2
Other Long-Term Liabilities	31.1	47	77.9	165.2	45
Total Liabilities	2,799	2,895	3,215	3,734	2,926
Common Stock	79.2	59.6	53.4	53.4	50.3
Additional Paid-In Capital	-	-	-	2.5	2.5
Retained Earnings	448.3	452.1	430.8	418.5	495.3
Comprehensive Income & Other	49.4	47.5	-4	-3.9	-
Shareholders' Equity	576.9	559.2	480.2	470.5	548.1
Total Liabilities & Equity	3,376	3,454	3,695	4,205	3,474
Total Debt	70.7	9.7	110.2	143.6	573.4
Net Cash (Debt)	-21.6	395.4	-9.2	758.7	-515.9
Net Cash Per Share	-0.88	20.35	-0.49	39.76	-28.70
Filing Date Shares Outstanding	28.28	21.29	19.07	19.07	17.97
Total Common Shares Outstanding	28.28	21.29	19.07	19.07	17.97
Book Value Per Share	18.52	23.79	25.18	24.67	30.50
Tangible Book Value	576.9	559.2	480.2	470.5	548.1
Tangible Book Value Per Share	18.52	23.79	25.18	24.67	30.50

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