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A comment from our CEO

It’s gratifying to be here at Collector and be able to present the third quarter’s report showing that we continue to be a growth company. We deliver another record quarter in terms of sales and earnings!

I am proud to see the commitment, innovation and ability to collaborate among our employees. This is not only a requirement for the rapid development of our new products, but provides the basis for our competitiveness in an environment that is developing at a fast pace.

Our agile working methods are a necessary condition and the reason we maintain the ability to quickly and efficiently develop new products and services. Bringing new offers to our customers is crucial when the rate of development is so fast, and yet it will only become faster than it is today.

Our agile working methods are a necessary condition and the reason we maintain the ability to quickly and efficiently develop new products and services. Bringing new offers to our customers is crucial when the rate of development is so fast, and yet it will only become faster than it is today.

In August, ahead of and in connection with Way Out West, we conducted a short campaign for Collector Easyliving. On the first of November our new product manager for Cards will be in place and we will further intensify our efforts within this product area. In Norway and Finland, we have increased business activities and we are also strengthening our offering to the retail segment in Finland by relaunching the opportunity to save in Euros. Verkkokauppa, Finland’s largest e-retailer, has chosen Collector’s payment solution, which offers payment by instalment, for B2B customers. Our solution for B2B customers has also had a significant impact in Sweden, with a number of new customers. Our competence within the credit assessment and rating of companies is essential to offering an attractive product. The corporate side continues to have strong growth and is currently the part of Collector with the most rapid growth.

Our customer-tailored payment solutions for e-retail with a checkout function continue to attract more new customers. Sweden’s fastestgrowing e-retailer, NA-KD, has just recently chosen Collector’s solution – which we are especially proud of!

Even our product real estate credits to commercial players continue to develop well. There is a great demand from excellent customers who appreciate our fast and professional services along with our unique skills and business model.

A modern, effective and digital solution for residential mortgages is something our customers demand. Technical prerequisites for offering digital signing of promissory notes are already on the market today, and in combination with Lantmäteriverket’s project to enable digital signing of bills of sale, this means that customers will soon be able to buy their house, sign purchase documents and take out a mortgage digitally. Collector has for some time been seeking solutions for offering residential mortgages as a completely digital service.

This means that a home buyer can have a completely digital process, from brokers to loan payments, thereby avoiding long waiting times and paperwork.

I am enthusiastic after my first 30 days as CEO of Collector and look forward to continuing to work with all my committed colleagues being creative and bringing new innovative services to our customers. We continue to work on our communication concept ”Believe in the idea”, which of course entails our approach to our customers, but also the way we act internally. We will make our dreams and ideas a reality by creating the conditions for making the impossible possible. We will maintain the position as a growth company and leading digital niche bank, which for us is a natural combination in a time of amazing opportunities for meeting the needs of customers with developing technology.

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Liza Nyberg
CEO

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