Slides
Page 1
Business Review Q3 2026
Page 2
2 Agenda 1) Agenda 2) Introduction to the review 3) Key figures 4) Key points and market 5) Direction and outlook Welcome! Timo Lappi, CEO
Page 3
Satisfied customers Growth and profitability Challenges in employee satisfaction 3 Opening remarks
Page 4
(comparison period in brackets)4 Net sales 5.3 M€ (4.9), change +8.1% Adjusted EBITDA 0.5 M€ (0.3)* Adjusted EBITDA -% 8.9% (6.6)* Adjusted EBIT 0.2 M€ (0.1)* Adjusted EBIT -% 4.5% (1.4)* Personnel (avg. FTE) 143 (137), change +3.7% *Adjusted comparable figures Q3 2026
Page 5
(comparison period in brackets)5 Net sales 18.1 M€ (17.6), change +2.6% Adjusted EBITDA 1.8 M€ (1.3)* Adjusted EBITDA -% 9.8% (7.1)* Adjusted EBIT 1.1 M€ (0.5)* Adjusted EBIT -% 6.0% (3.1)* Personnel (avg. FTE) 140 (144), change –2.8% *Adjusted comparable figures Q1–Q3 2026
Page 6
•Finland +2.8% (Q3 +5.2%) •Sweden –0.9% (Q3 +20.6%) • Baltics +17.4% (Q3 +8.2%) • Technology / AI • Budding economic recovery • Geopolitical tension • Customer work in focus • NPS 82 (68) • eNPS 14 (17) Fondia and market Q1–Q3 2026 3 Market 2 Fondia 1 Growth and turnaround 6
Page 7
7 Fondia’s direction Strategic initiatives in support of customer work Customers and employees first
Page 8
Fondia expects in the 2026 financial year the Group’s net sales to grow and the adjusted EBITDA margin to improve compared to the previous year. 8