SaveLend Group (YIELD) Investor update summary

Transaction completion and terms

• Completed divestment of 78% stake in Billecta AB to Kravia Gruppen, based on a valuation of up to SEK 150 million, including a performance-based earn-out.

• Received SEK 64 million in cash and SEK 18 million via a vendor note, repayable over five years at 8.5% interest; potential earn-out of up to SEK 35 million based on 2026 results.

• Transaction fulfills all conditions and ownership has transferred to the buyer.

Strategic rationale and financial impact

• Divestment aligns with the strategy to focus on the core savings platform and support the transition to a credit market company.

• Proceeds will strengthen equity and help meet capital requirements for credit market operations.

• Expected profit effect of approximately SEK 40 million upon completion, with up to SEK 35 million additional profit possible in early 2027 if earn-out is achieved.

Background and future outlook

• Strategic review of the billing platform segment initiated in June 2024 led to the sale, aiming to optimize shareholder value.

• Board will review and update financial targets for 2027, as previous targets included Billecta's operations.

• Billecta expected to benefit from synergies and international expansion under new ownership.