Slide 1: Business Review Q3 2024
(&) FONDIA Business Review Q3 2024
Slide 2: Agenda
Agenda 1) Focus 2) Key figures 3) Key points and market 4) Outlook Welcome! Harri Savolainen, CEO 2
Slide 3: Focus: customer service, employee well-being and profitable growth
In addition to high-quality customer service and employee well-being, we will continue to develop the customer experience and manage our operations effectively. Our goal is to ensure not only good customer and employee experience, but also profitable growth and the development of commercial capabili
Slide 4: Q3 2024 key figures
Q3 2024 Net sales 5.3 M€ (5.3), change -0.3% Adjusted EBITDA 0.2 M€* (0.1) Adjusted EBITDA-% 4.5%* (1.8) Adjusted EBIT 0.0 M€* (-0.1) Adjusted EBIT-% 0.0%* (-2.1) Personnel (avg. FTE) 158 (169), change -6.5% *) Comparable figures 4 (comparison period in brackets)
Slide 5: Q1-Q3 2024 key figures
Q1-Q3 2024 Net sales 19.1 M€ (18.9), change 1.2% Adjusted EBITDA 1.6 M€* (1.3) Adjusted EBITDA-% 8.3%* (6.9) Adjusted EBIT 0.9 M€* (0.7) Adjusted EBIT-% 4.8%* (3.8) Personnel (avg. FTE) 163 (163), change 0.0% *) Comparable figures 5 (comparison period in brackets)
Slide 6: Fondia and market Q3 2024
Fondia and market Q3 2024 1 2 3 Growth challenges continued Fondia Market • Finland +1.6% • NPS and eNPS • Budding recovery • Sweden -10.6% • New MD in Fondia Sweden • Increased regulation • Baltics +28.7 • Leya AI • AI 6
Slide 7: Outlook: net sales EUR 26-27 million in 2024
Fondia expects growth, with net sales for 2024 of EUR 26–27 million and adjusted operating profit of 6–8%. The market situation remains uncertain, and this has weakening impact on the ability to assess future business development and the factors affecting it. 7
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