OK-Q8 (OKQ8) H1 2026 earnings summary

Executive summary

• Focus shifted to card and deposit business after planned exit from factoring, completed during H1 2026.

• Result for the period was SEK 2,753k, significantly lower than SEK 10,035k year-over-year, mainly due to reduced business volume from factoring exit.

• Macroeconomic environment remained stable with lower inflation and interest rates compared to recent years.

Financial highlights

• Net interest income for H1 2026 was SEK 19,922k, down from SEK 20,648k year-over-year.

• Credit losses increased to SEK -1,294k from SEK -103k year-over-year.

• Total assets decreased to SEK 891,443k from SEK 2,164,740k as of June 2025.

• Deposits from the public fell by 20.73% to SEK 491m; lending to the public dropped by 74.89% to SEK 492m.

• Equity at period end was SEK 297,581k, down from SEK 936,055k year-over-year.

Outlook and guidance

• Ongoing monitoring of external developments and continuous evaluation of credit risk models.

• No significant events after the reporting period.