This is Intrum

Corporate presentation

About the corporate presentation

This is our formal corporate presentation that contains slides to help you present Intrum. Consider this presentation as a buffet and add/remove slides as you please.

Some slides convey the same message, but in two different ways. And in some of the slides you will find speaker notes to support how to tell the story of the slide.

In the appendix section, you will find additional material about Intrum, including links where to find more material.

For questions regarding the content, don’t hesitate to reach out to Annika Narling, Group Brand & Communications.

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Content

1. Key facts2. The value we create3. Our business offering4. Who we are5. How we operate6. Our take on Sustainability7. Appendix

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1. Key facts

Intrum in brief.

24Countries in Europe

>10,000Employees

~80,000Clients

160Partner countries

16,0Revenue2019 (SEK bn)

>250,000Calls with consumers on daily basis

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Market leader Top five Other

Large CapListed on Nasdaq Stockholm

100Years of experience

2. The value we create

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Editors note: When you click on this image, a link to Youtube will open. If you want to download the film and embedd it in your presentation, you can download it from the brand manual https://brandmanual.intrum.com/userfiles/17063.mp4

The purpose explains the many wins that our business creates.

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Companies can grow, invest, employ and flourish…

…which in turn is positive for the whole economy.

Our Employeesget the chance to grow while doing good.

Individuals get rid of their debts and feel better.

3. Our business offering

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Intrum is the only playerin the industry that can claim true market leadership.

• Widest geographical reach• Highest turnover• Largest number of employees

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Today we serve more than 80,000 clients in a variety of industries.

• Bank & finance• Telecom• Energy• E-commerce• Transportation• Logistics• Insurance• Public sector

We ensure that companies get paid by offering two types of business

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• Credit management services with a focus on late payments and collection

• Portfolio investments with purchasing of portfolios of overdue receivables.

60%40%

Credit management services

Portfolio investments

Out of total revenue

Out of total revenue

Our integrated business model interact with our clients to meet their needs at different times.

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Complementarity between Credit Management Services and Portfolio Investments…

Credit Management Services (CMS)

To serve & collect debt and receive commission.

Portfolio Investments

Acquires Debt portfolios from clients.

Collection activity

IntrumClients Customers

Intrum’s competence and capacity offers clients many and often unique benefits.

✓One-stop-shop across the value chain

✓Capacity to take on large strategic projects (portfolios, BPOs)

✓Solution-oriented and flexible partner

✓Track record in structuring complex deals and creatingvalue

✓Ability to act cross-border

✓Financial strength to innovate andprovide better service

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As a full-service provider, we can offer a complete range of credit management services throughout the value chain with strong focus on late payments.

Debt collection Legal

Before

• Invoicing • White label reminder services• Differentiated

Reminder Service• Postponements• Negotiations

• Debt Restructuring• Special Collection Units• Differentiated Collection• Payment demands• Negotiations• Payment plans• Follow up

• Payment defaults• Judicial proceedings• Bailiff’s enforcement• Debt restructuring• Bankruptcy• Insolvency• International collection

• Credit check• International credit check• Credit template• Credit monitoring

• Transfer invoice, money within 24 hours

• Intrum invoices client

After

During

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Invoice & sales ledgerCredit information Factoring

Our size and multifaceted core providesclear competitive advantages.

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• Trusted preferred partner to clients

ScaleGreater relevance and operational efficiencies

DiversificationAccess to multiple asset classes and industry verticals across 24 markets

CapabilitiesFull service offering across debt servicing and purchasing

Risk cultureEmbedded principles and robust processes

Capital structureAmple liquidity and low cost of debt

• Significant financial flexibility

• Attractive risk profile

Intrum

Our strategy beyond 2020 is meaningful organic growth through evolution and optimisation.

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Strategic priorities for 2023

Organic growth in core CMS

Growth in Portfolio Investments

Exploiting competitive advantages

3.2.1.

Operational excellence Enhanced data and analytics

5.4.

4. Who we are

Clients and customers are equally important for our business. It’s through customer focus and customer care we can create financial wins for our clients.

Customer Client

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Intrum

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The logic of both customer and client focus forms the basis of our mission:

We make companiesprosper by caring for their customers.

The expected result of our mission is to be perceived as trustworthy and value creating – at both ends.

Trust ClientCustomer

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Which is why our long term vision is to be:

To be trusted andrespected by everyonewho provides andreceives credit.

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“Intrum respects our relationships with customers, and understands that client relationships are valuable. I look after Ontruck, and Intrum looks after our credits”

Rika ChristantoCEO and co-founder at Ontruck

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Four small words that have a big impact.

Empathy Ethics Dedication Solutions

Our core values that guides us

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Core value

Empathy

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• We listen actively and seek to understand

• We are open-minded and flexible

• We show patience and offer support

Core value

Ethics

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• We put society and sustainable business at the forefront

• We are accountable for our actions

• We do the right thing – living and leading by our values and code of conduct

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Core value

Dedication

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• We share knowledge and best-practice to cross internal borders

• We are committed to and responsible for our owndevelopment

• We go the extra mile and never give up

Core value

Solutions

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• We focus on results, not problems

• We collaborate to deliver innovation to our clients

• We push for quality andprofessionalism

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5. How we operate

Operating model

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CMS Sales & Service Development

Supportfunctions

Markets

Client offering

Credit Management Services

Business enablers

Secured Assets M&A and Business Process Outsourcing (BPO)

PortfolioInvestments

Operations IT

Strategic Markets

Brand & Communications

Finance HR Risk & ComplianceLegal

Mature and emerging markets

1 2

Austria, Baltics, Belgium, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Sweden, Switzerland and UK

Greece, Italy, Spain

1

2

Anette Willumsen 1)

Managing DirectorCMS Sales & Service Development and Markets

Group Management Team (GMT)

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Mikael EricsonChief Executive Officer & President

Anders EngdahlChief Financial Officer

Harry VranjesChief Operating Officer

Johan BrodinChief Technology Officer*

Group Functions

Per Christofferson 2)

Managing Director Secured Assets, M&A, BPOs and Markets

Alejandro ZurbanoManaging DirectorSpain 3)

Marc KnotheManaging DirectorItaly

Jean-Luc FerratonChief Human Resources Officer**

Niklas LundquistChief Legal Officer

Credit Management Services (CMS)

Anna FallChief Brand & Communications Officer

Strategic Markets

Portfolio Investments

Javier ArangurenChief Investment Officer

George GeorgakopoulosManaging DirectorGreece (Servicing)

1) In addition responsible for; Baltics, Belgium, Denmark, Finland, Netherlands, Norway, Portugal, Sweden, UK & Ireland2) In addition responsible for; Austria, Czech Republic, Germany, France, Hungary, Poland, Romania, Slovakia, Switzerland3) Including Brazil

Johan BrodinActingChief Risk Officer*

* Johan Brodin holds the CRO role until a new CRO is in place (recruitment process initiated).

** Jean-Luc Ferraton appointed Managing Director for France as fromH1 2020, the recruitment process initiated for a new CHRO.

6. Our take on Sustainability

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Sustainability is our ticket to play in leading the industry and being a respected partner in society — for stakeholders on European level, in our markets and among clients, customers and employees.

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Sustainability relates to the core of our business

Clients – Customers – Employees –Society – Shareholders

All of our stakeholders are affected by our actions, and have expectations on our performance beyond financial returns.

Empathy – Ethics – Dedication – Solution

Living and leading by our values requires being committed to sustainable business practices.

Leading the way to a sound economy

Our reason for being is to lead the way to a sound economy for our clients, customers and society as a whole.

Trusted and respected by everyone who provides and receives credit

To approach our vision, pursuing sustainable business practices is a pre-requisite.

We help companies prosper by caring for their customers

Caring for customers in an ethical way gives us trust by our clients to take care of their most valuable asset. Sustainability is key in this mutual relationship.

The undisputed market leaderWe have the responsibility to pursue business in a sustainable manner and lead the development of our sector forward.

Vision

Mission

Position

Target groups

Values

Purpose

How our brand identity… … relates to sustainability

“Because we are playing in the top tier of our industry, we need to strive for uttermost quality and being role models in everything we do. This makes our purpose even more crucial to live by — a sustainable future is a future with a sound economy for all our stakeholders”.

Mikael EricsonCEO & President

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Being trusted and respected

Enabling sustainable payments

Growing by making a difference

• Ethical collection by treating customers fairly

• Responsible client and portfolio selection

• Sound economy for our clients

• Favourable payment terms between companies

• Sound transactions

• Increase the financial literacy in society

Sustainability - strategic areas

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• Anti-corruption

• Data security and privacy

• Mitigating environmental impact

• Relations with decision makers and organisations

• Responsible supply chain and partnerships

• Diversity and inclusion

• Attract and retain talents including wellbeing of employees

Reports

Our insights and knowledge about late or non-payments are shared in several reports

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European Payment Report

The European Payment Report (EPR) describes the impact late payment has on the development and growth among European enterprises. The report is based on a pan European survey carried out by Intrum in 29 European countries on an annual basis involving almost 10,000 enterprises in Europe.

European Consumer Payment Report

The European Consumer Payment Report (ECPR) is based on an annual survey conducted in 24 European countries covering over 24,000 respondents throughout the continent. The report provides insights to European consumers’ views on their economic outlook, and aim to gain insight in European consumers’ everyday life; their behavior of spending, behavior of paying for products and services, perception on credits and ability to manage their household finances on a monthly basis.

Nordic Debt collection analysis

The Nordic Debt Collection analysisseeks to close the knowledge gap between debt collection and the general economic development. The analysis provides insight on which direction the default market is currently heading and to point out the key drivers behind the observed market movements. The analysis is based on our internal data.

Where to find us in social media

LinkedInhttps://www.linkedin.com/company/intrum/

Twitterhttps://twitter.com/IntrumGroup

Instagramhttps://www.instagram.com/intrum_group/

Youtubehttps://www.youtube.com/channel/UCi4Pf8pT1YJA-DBVb_aQHmQ

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