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QLIRO Interim report January - September 2021 Positive volume development Important events in the third quarter 2021 • 12 percent increase in pay - after - delivery volumes and 16 percent lending growth • Qliro stopped e - mail marketing of private loans Events after the period • As a first step in broadening the product range to include medium - sized merchants Qliro began a collaboration with Wikinggruppen , one of Sweden's largest e - commerce platforms July - September 2021 ( July - September 2020 ) • Total operating income increased by 4 percent to SEK 100.5 million ( 97.1 ) . • Total operating expenses increased by 10 percent to SEK 91.4 million ( 83.3 ) . • Credit losses decreased with 19 per cent to a net of SEK 18.9 million ( 23.3 ) Operating profit decreased with 2 percent to SEK -9.7 ( -9.5 ) • Net profit for the period improved with 6 percent to SEK -8.1 million ( -8.6 ) and earnings per share amounted to SEK -0.45 ( -0.48 ) January - September 2021 ( January - September 2020 ) Total operating income increased by 6 percent to SEK 297.4 million ( 279.9 ) . Total operating income adjusted for items affecting comparability increased by 3 percent to SEK 297.4 million ( 288.3 ) • Total operating expenses increased by 1 percent to SEK 268.9 million ( 267.6 ) . Adjusted for items affecting comparability , expenses increased by 7 percent to SEK 268.9 million ( 252.0 ) Credit losses decreased with 24 per cent to a net of SEK 58.3 million ( 76.3 ) • Operating profit improve with 53 per cent to SEK -29.8 million ( -63.9 ) . Operating profit adjusted for items affecting comparability improved with 25 per cent to SEK -29.8 million ( -39.9 ) Net profit for the period was improved with 52 per cent to SEK -24.8 million ( -51.4 ) and earnings per share amounted to SEK -1.38 ( -2.86 ) . Net profit for the period adjusted for items affecting comparability was improved with 24 per cent to SEK -24.8 million ( -32.6 ) + 4 % Income growth " + 12 % Growth pay - after delivery volume¹ 2,5 M Number of active customers² ) + 16 % Lending growth " 1 ) Third quarter 2021 in comparison with third quarter 2020 2 ) Unique customers that have used Qliro's services in the last 12 months report January - September 2021