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's activity report 2022

Julianus Inkasso OÜ continues to be the market leader in debt collection services in Estonia. In addition to being the market leader in Estonia, Julianus Inkasso OÜ

has been able to increase its market share in the Baltic states as a whole in recent years, and we believe that we can continue to grow it in the future.

Sales revenue by activity 2022 2021 Change in sections

Debt collection services 5 972 318 6 938 413 -13.9%

Other sales revenues 1 710 1 812 -5.6%

Total 5 974 028 6 940 225 -13.9% The net profit earned in 2022 was 3 667 thousand euros (2021 3 833 thousand euros). The net profit was significantly influenced by the good collection of debt portfolios of a competing company acquired in 2019, which indicates our high level of procedural processes.

In the reporting year, Estonia's economic growth was replaced by a -1.3% decline and inflation driven by a sharp increase in energy prices was 19.4%.

By the time the report was prepared, inflation growth has slowed and the Bank of Estonia forecasts an average price increase of 9% for 2023.

The average gross monthly wage continued to rise during the reporting year (8.9%) and the Bank of Estonia forecasts an acceleration of wage growth to 10.8% for 2023. In the opinion of the Management Board, the macroeconomic impact in the form of price and wage growth on the company's financial results has been normal.

There is some seasonality in the business related to debt collection - during the winter period when heating bills are added, servicing existing obligations is somewhat more complicated. However, in the spring when the state tax refund takes place, it is easier to pay off old debts. In general, the debt collection sector is not very affected by the season.

The environmental impact of Julianus Inkasso is similar to that of any other medium-sized office company. Julianus

Inkasso's social impact in society is significant. As the largest participant in the debt collection market in Estonia, we have a unique role in this. It is clear that any economic activity generates a certain amount of disputes, such as lending generates a certain number of debts. Creditors, whose main activity is not dealing with debts, do not need to have specialized knowledge for managing overdue claims. It would also not be reasonable or sustainable to resolve all disputes in court. Julianus Inkasso's social task is to provide creditors with a functioning set of skills for resolving debt relationships and to contribute to the reliability of transaction turnover in Estonian society and to reducing credit losses.

The total wage cost of employees was 1 314 thousand euros (2021 1 409 thousand euros) and the total labor cost was 1 757 thousand euros (2021 1 874 thousand euros). As of 31.12.2022, Julianus Inkasso OÜ employed 54 employees (2021 54 employees).

In the reporting year and during the preparation of the report, the risk of exchange rates, interest rates and stock prices did not affect the company.

Ratios: 2022 2021

Revenue growth (%) -14% 35%

Operating profitability (%) 46% 51%

ROA % 30% 45%

ROE % 32% 50%

Short-term obligations coverage ratio (times) 9.43 5.17

Debt ratio (times) 0.07 0.11

Formulas: