Ikano Bank AB (publ) Interim Report 30 June 2023

“Together we are making a comprehensive change, creating a more commercially relevant bank with profitable growth, where we provide our customers with accessible financial services. It involves a technical, organisational and cultural change at Ikano Bank, and our transformation continues in full force. At the same time, we are experiencing troubled and challenging times, with rising inflation, higher interest rates and the war in Ukraine, which further reinforces the need for simple financial services for the many people. The investments that have weighed on our results in recent years are