B2 Impact Asa · OSL:B2I
B2 Impact Asa — Arctic Nordic Debt Collection Webinar 2026
12 slides from B2 Impact Asa's conference presentation, Jan 9, 2026
Slide 1: B2 Impact ASA – Arctic Nordic Debt Collection Webinar
B2 Impact ASA Arctic Nordic Debt Collection Webinar 9 January 2026
Slide 2: Today’s presenter
Today’s presenter André Adolfsen Chief Financial Officer 2 B2 Impact Arctic Nordic Debt Collection Webinar 2026
Slide 3: This is B2 Impact
This is B2 Impact Key financials1 T Total ERC as of Q3’25 s B2 Impact Markets ll o Q3 25 e red Head office, Norway e en es pe T NOK T 25.6bn et pro t nse red as re en e as T as ar n e era e rat o 3 B2 Impact Arctic Nordic Debt Collection Webinar 2026 1) Key financials exclude Non-recurring items
Slide 4: 2025 highlights and 2026 priorities
2025 highlights 2026 priorities ✓ Sustainable strong collection performance and ERC growth ✓ Upside in book values and ERC → Stable top line growth with notably higher growth in EPS ✓ Significant growth in investments from previous year → Investments mainly focused on unsecured ✓ Reinvested strong c
Slide 5: Key value drivers for EPS growth
Key value drivers for EPS growth • Double digit growth in unsecured collections 1 0.57 • Increased collections performance • ERC upside reflected in positive revaluations • Gross IRR equal to Net IRR in the near term due to cost reductions and scalability • Significant reduction in interest costs 1
Slide 6: Sustainable collection over-performance
Sustainable collection over-performance o e t on er or an e • Unsecured collections growth of 29% last 5 years • Unsecured performance of 110% LTM despite positive revaluations of NOK 427m from 2021 to Q3 2025 • Substantial upside in Book Values and ERC through strong collection performance over tim
Slide 7: Strong cash earnings supports investment growth and high dividends combined with low leverage
Strong cash earnings supports investment growth and high dividends combined with low leverage Cash flow LTM Q3 2025 Dividend per share (NOK)1 NOKm 5 ≥ 32 as T ort o o t er ree as o nan a s ta as arn n s n est ents 7 B2 Impact Arctic Nordic Debt Collection Webinar 2026 1) Dividends for the financial
Slide 8: Solid financial position with secured long-term funding cost
Solid financial position with secured long-term funding cost • Reduced annual interest costs by NOK 40m through Capital Structure (EURm) latest refinancing • Hedging ratio at 72% with almost 3 years duration I+2.80- • Liquidity reserve of ~EUR 400m + operational cash flow 3.90% E+3.90% E+3.75% E+3.2
Slide 9: Financial expectations for 2025
Financial expectations for 2025 Portfolio investments (NOKbn) Increased dividends1 3.5 – 4 ≥ 1.49 3.0 T T REO sales (NOKm) 600 – 800 • REO sales of around NOK 700m 622 • Leverage ratio comfortably below 2.5x • Annual portfolio revaluations of NOK 150–200m in 2025–2027 • Dividends of at least NOK 1.7
Slide 10: Key takeaways – Balancing low credit risk with high dividend potential
Key takeaways – Balancing low credit risk with high dividend potential Strong Scalable Low cost of Large upside High and collection cost base debt with low in book values increasing performance credit risk and ERC dividends and ERC growth 10 B2 Impact Arctic Nordic Debt Collection Webinar 2026
Slide 11: Q&A
Q&A 11 B2 Impact Arctic Nordic Debt Collection Webinar 2026
Slide 12: b2-impact.com
b2-impact.com IR contact Rasmus Hansson Head of Investor Relations and M&A +47 952 55 842 rasmus.hansson@b2-impact.com B2 Impact Cort Adelers gate 30, 7th floor 0254 Oslo, Norway +47 22 83 39 50 post@b2-impact.com
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