Digitalisation

“Den snabba teknologiska globala utvecklingen förändrar Life Science marknaden genom innovationer inom produktutveckling, forskning och vård. Användningen av uppkopplade enheter, automatisering, artificiell intelligens (AI) och andra teknikområden leder inte bara till nya produkter utan också till nya sätt att använda instrument och diagnostiska tester. Detta banar väg för nya affärsmöjligheter genom nya behandlings- och vårdmetoder och påverkar även leverantörers operativa verksamheter.”

Annual report 2023A · The company itself

“AddLife kan dessutom spela en viktig roll när nya teknologier går från att användas inom forskning till att användas även inom klinisk diagnostik. Under 2023 har samarbeten med flera befintliga leverantörer expanderats till nya marknader, till exempel inom områden som Next Generation Sequencing (NGS) inom genteknik och diagnostik för sepsis.”

Annual report 2023A · The company itself

“Andelen utomeuropeiska leverantörer inom forskning som erbjuder icke-exklusiva distributionsavtal ökar. Detta leder till en ökning av digital försäljning både från tillverkare direkt till kunder och distributörer som säljer över flera geografiska marknader.”

Annual report 2023A · The company itself

“Digitalisering inom sjukvården förändrar hur vissa produkter utvecklas och vård tillhandahålls. Exempelvis kan sjukhus, genom digital planering av kirurgiska ingrepp, minska operationstider och därmed patientrisker. Lösningar anpassas ofta efter varje sjukhus unika rutiner, vilket ökar efterfrågan på lokalt inköpta lösningar och gynnar leverantörer med kundnära relationer.”

Annual report 2023A · The company itself

“AddLifes framtida tillväxt är bland annat beroende av nya innovativa produkter och därmed koncernens förmåga att Det finns ett starkt fokus på proaktiv affärsutveckling inom befintliga dotterbolag och ett fokus på framtida teknisk påverka, förutse, identifiera och svara på förändrade kundpreferenser och behov. Det finns en risk att dotterbolagen inom AddLife-koncernen inte kan implementera ny teknik eller anpassa sitt produktutbud och sin affärsmodell i tid för att kunna ta till vara fördelarna av ny eller existerande teknik.”

Annual report 2023A · The company itself

“Digitala lösningar: AddLife utökar sitt erbjudande inom digitala lösningar, enskilt eller i kombination med andra produkter och tjänster i portföljen, samt nyttjar i allt högre grad digitala lösningar för att förbättra affärsverksamhetens effektivitet. Parallellt med detta stärks kontinuerligt arbetet med IT-säkerhet.”

Annual report 2023A · The company itself

“Medelantal anställda 2 284 2 157 andel män 56 % 56 % andel kvinnor 44 % 44 % Åldersfördelning upp till 29 år 10 % 9 % 30-49 år 54 % 55 % 50 år och äldre 36 % 36 % Genomsnittlig ålder 45 46 Forskning och utveckling Koncernen bedriver i begränsad utsträckning egen forskning och utveckling, främst inom Biolin i affärsområdet Labtech. Inom affärsområdet Medtech bedrevs under räkenskapsåret utvecklingsarbete av en digital plattform inom välfärdsteknologi. Den digitala plattformen innehåller lösningar för uppkoppling av sensorer och trygghetslarm i hemmet, Camanio Care, samt digital egenmonitorering av specifika hälsotillstånd, Camanio Health.”

Annual report 2023A · The company itself

“Cognite økte omsetningen med 18 prosent fra 2023. Annual Recurring Revenue (ARR, eller «lisensinntekter») satte ny rekord i 2024 og passerte én milliard kroner, en vekst på 38 prosent fra året før.”

Annual report 2024A · The company itself

“Per 31. desember 2024 var Akers eierandel på 67,6 prosent, med en bokført verdi på 37 millioner kroner, som utgjorde 0,1 prosent av Akers brutto verdijusterte eiendeler.”

Annual report 2024A · The company itself

“Aker investerer aktivt innen globale veksttrender inkludert energisikkerhet, -effektivitet og - omstilling, industriell digitalisering, marine proteiner og ingredienser.”

Annual report 2024A · The company itself

“Cognite Beløp i USD millioner 2023 2024 Annual Recurring Revenue (ARR) 68,2 94,1 Driftsinntekter 105 124 EBITDA (29) (36) EBITDA margin (27,2 %) (29,0 %) Resultat fra videreført virksomhet (48) (62) Cognite spesialiserer seg på løsninger innenfor industriell digitalisering. Selskapets hovedprodukt, Cognite Data Fusion (CDF), samler, strukturerer og modellerer industriell data gjennom hele verdikjeden, og gjør det mulig for brukere å dele data sømløst mellom partnere og leverandører i sanntid. Med avansert datamodellering og kunstig intelligens (KI) kan CDF transformere rådata til handlingsrettet innsikt, noe som gir kunder muligheten til å optimalisere driften og ta datadrevne beslutninger.”

Annual report 2024A · The company itself

“Aize Beløp i millioner kroner 2023 2024 Driftsinntekter 752 500 EBITDA 351 182 EBITDA margin 46,7 % 36,5 % Resultat fra videreført virksomhet 197 50 Aize er et industrielt softwareselskap med mål om å akselerere industriens digitale omstilling. Selskapet er en global leverandør av «digitale tvilling»-software, en digital representasjon av fysiske eiendeler.”

Annual report 2024A · The company itself

“Systems and Services Segment Intraoral scanning is a rapidly evolving technology substantially impacting the practice of dentistry. By enabling the dental practitioner to create a 3D image (digital scan) of a patient’s teeth using a handheld intraoral scanner, digital scanning is faster, more efficient, precise and comfortable for patients.”

Annual report 2025A · The company itself

“A number of dental professionals believe Invisalign treatment is only appropriate for a limited percentage of patients. Additionally, our clear aligners and iTero products utilize digital technology and some dental professionals have and may continue to resist moving to a digital platform.”

Annual report 2025A · The company itself

“Additionally, we rely heavily on data generated from our campaigns to target specific audiences and evaluate their effectiveness, particularly data generated from internet activities on mobile devices. To obtain this data, we are dependent on third parties and popular mobile operating systems, networks, technologies, products and standards we do not control, such as the Android and iOS operating systems, and mobile browsers. Changes in such systems that degrade or eliminate our ability to target or measure the results of ads or increase costs to target audiences could adversely affect our campaigns.”

Annual report 2025A · The company itself

“Direct Fabrication In January 2024, we completed the acquisition of Cubicure GmbH (“Cubicure”), a company that develops, produces and distributes proprietary direct 3D printing technologies that enable us to efficiently and sustainably manufacture our devices without the added step of first creating a mold. We believe Cubicure provides direct fabrication capabilities that will support and scale our strategic innovation roadmap and strengthen the Align Digital Platform by enabling us to scale our 3D printing operations to eventually print millions of custom devices per day. We expect this technology will ultimately extend and scale our printing, materials and manufacturing capabilities for our 3D printed product portfolio while concurrently materially reducing the amount of resin used in our manufacturing process.”

Annual report 2025A · The company itself

“Our exocad CAD/CAM software platform addresses restorative needs in an end-to-end digital platform workflow to facilitate ortho-restorative and comprehensive dentistry. The platform provides doctors and dental labs with digital clinical solutions that aid GPs and dental labs in planning and delivering restorative dental treatments, adding restorative functionality to our comprehensive digital platform to deliver digital ortho-restorative workflows and interdisciplinary dentistry.”

Annual report 2025A · The company itself

“We are positioned to capitalize on critical long-term growth trends to drive advancements in digitized factories, mobility and digital healthcare, combat climate change and reliably connect humans and the world.”

Annual report 2025A · The company itself

“We continue to expand our capabilities in software, digital platforms and AI to support the evolving needs of our customers and markets. These efforts are intended to enhance system-level performance, improve design efficiency, reduce complexity and help customers accelerate time to market for their products and solutions. Our strategic goal is to bridge the domains of analog and mixed-signal, digital and embedded and AI and software technologies to enable intelligent systems that can sense, process and respond to real-world conditions.”

Annual report 2025A · The company itself

“Our future success significantly depends on our ability to execute our business strategy, continue to innovate, improve our existing products and design, develop, produce and market innovative new products and system-level solutions, including those that may incorporate, or are based upon, software or AI technology.”

Annual report 2025A · The company itself

“These include devices that shape the signal for transmission over the medium or reconstruct the received signal after transmission to recover the intended signal integrity. •Software, Digital Platforms and Artificial Intelligence—As part of our evolution from a component supplier to a full-system and solutions provider, we recently introduced an upgrade to our open-source embedded development platform, CodeFusion Studio 2.0, designed to support embedded system design through integrated workflows for signal processing, edge computing and connectivity. CodeFusion Studio 2.0 facilitates prototyping and deployment of applications on ADI platforms and is intended to reduce development time and improve system integration. In fiscal 2025, we also launched Power Studio, a digital simulation and design ecosystem integrating new system-level and IC-level design capabilities into a single product family. Together, the Power Studio family of products is designed to enable faster time to market by streamlining power management design and optimization.”

Annual report 2025A · The company itself

“The modifications to forecasted reporting unit cash flows were attributable to the impacts resulting from market and industry delays in the broader adoption of software-defined vehicles. For example, certain of our OEM customers have recently announced delays in their software-defined vehicle investment strategies amidst reduced expectations for consumer demand for these products.”

Annual report 2025A · The company itself

“Digitalization. In the automotive industry, Digitalization refers to connectivity, software-defined solutions, and the ability to evolve and improve over a vehicle’s lifecycle in response to consumer demand for greater safety, personalization, productivity and convenience features. This shift, in turn, is driving increased demand for electrical and electronic architecture as the foundation for this content.”

Annual report 2025A · The company itself

“Aptiv operates its core business along the following operating segments, which are grouped on the basis of similar product, market and operating factors: •Advanced Safety and User Experience, which includes platforms and modular offerings, such as intelligent sensors, high-performance compute, and advance software tools and services. •Engineered Components Group, which includes connection systems, high-performance interconnects, and cable management and protection solutions that optimize the distribution of power, signal and data for next-generation applications across multiple end markets.”

Annual report 2025A · The company itself

“Arribatec's results of operations could be negatively affected if the Group cannot adapt, expand or develop its services in response to changes in technology or customer demand. The market for the services offered by the Group is characterised by rapid technological changes, frequent new product introductions, technology enhancements, increasingly sophisticated customer requirements, and evolving industry standards.”

Annual report 2024A · The company itself

“Demand for new ERP implementations and cloud migrations remains high, with over 40 projects in our pipeline for Q2–Q4 2025, and further growth expected. These migration projects mark a key milestone for our clients, supporting their digital transformation as well as their longterm modernisation efforts.”

Annual report 2024A · The company itself

“Our consultants are problem solvers who streamline complex companies, processes and systems, making them as efficient as possible by combining people, processes and systems. Operation and Segments Arribatec is divided into five segments (Business Areas) Enterprise Architecture and Business process management (EA&BPM) Cloud services Business Services (BizS) Marine Hospitality Enterprise Architecture and Business process management (EA&BPM) Cloud services Business Services (BizS) Marine Hospitality Operation Empowering organisations to work smarter through Enterprise Architecture and Business Process Management solutions.”

Annual report 2024A · The company itself

“Consumer needs relating to mobile devices are continuing to expand in scope. We believe there are growth opportunities in bundled protection products, which support customers as they take full advantage of the features and functions of their mobile devices through their daily interaction. Expanded capabilities like repair and logistics, technical support for customers and enhanced customer experience through digital solutions and AI allow us to create product and service offerings that customers find compelling.”

Annual report 2025A · The company itself

“In addition, across many of our businesses, we must respond to the threat of disruption by traditional players, such as insurers, from new entrants, such as “Insurtech” companies, and from their use of technologies such as AI. These players are focused on using technology and innovation to simplify and improve the customer experience, increase efficiencies, alter business models and effect other potentially disruptive changes in the markets in which we operate.”

Annual report 2025A · The company itself

“We leverage those insights to invest in emerging technologies and operations, including digital capabilities supported by artificial intelligence (“AI”), to introduce innovative products and services and continuously adapt those offerings to the changing needs of consumers. Investments and innovation enable services that complement our protection and specialty insurance products, creating customized solutions for clients and customers.”

Annual report 2025A · The company itself

“Value chain and technology integration and customer experience. We own or manage multiple pieces of the value chain, which enables us to create products and service offerings based on client and consumer needs and provide a seamless customer experience. Offering end-to-end solutions allows us to provide additional value for consumers and adapt more quickly and efficiently to their needs.”

Annual report 2025A · The company itself

“We continue to invest in technology, including digital, robotics and AI, and seek to integrate technology platforms with our clients, to create superior customer experiences.”

Annual report 2025A · The company itself

“In 2025, we continued to implement key initiatives to support upskilling, with an increased emphasis on accelerating adoption of digital and AI-enabled technologies and processes as we expand the use of AI as an enabler to enhance employee and customer experiences.”

Annual report 2025A · The company itself

“We are investing in technology and digital capabilities, including AI and our Innovation and Device Care Center, and in our home warranty business.”

Annual report 2025A · The company itself

“The success of our business depends on our ability to maintain effective, secure and reliable technology systems and infrastructure and to modernize them to support current and new clients and grow in an efficient and cost-effective manner. Some of the Company’s technology systems and software are legacy-type systems that are less efficient and require an ongoing commitment of significant resources to maintain or upgrade to current standards, including business continuity procedures.”

Annual report 2025A · The company itself

“•Digital & artificial intelligence ("AI") advancement: We are seeing growing demand for more intelligent operations and the adoption of AI-based solutions as part of our customers' digital transformations. Across industrial and energy markets, digital is both an enabler and a driver, unlocking new levels of efficiency and productivity in operations, while simultaneously generating significantly incremental demand for power to support digital-intensive industries, including data centers.”

Annual report 2025A · The company itself

“The introduction and promotion of new products and services, as well as the promotion of existing products and services, may be partly dependent on our visibility on third-party advertising platforms, such as Google or Facebook. Changes in the way these platforms operate or changes in their advertising prices, data use practices or other terms could make the maintenance and promotion of our products and services and our brands more expensive or more difficult.”

Annual report 2025A · The company itself

“Our long-term success depends on our ability to develop products and services to address the rapidly evolving market for commerce and financial services, and, if we are not able to implement successful enhancements and new features for our products and services, our business could be materially and adversely affected. Rapid and significant technological changes continue to confront the industries in which we operate, including developments in omnichannel commerce, proximity payment devices (including contactless payments via NFC technology), digital banking, mobile financial apps, cryptocurrencies, tokenization (e.g., replacing sensitive data such as payment card information with symbols (tokens) to keep the data safe), blockchain, and AI, including machine learning.”

Annual report 2025A · The company itself

“Communications Regulation We send texts, emails, and other communications in a variety of contexts, such as when providing digital receipts and marketing. Communications laws and regulations, including those promulgated by the Federal Communications Commission, apply to certain aspects of this activity in the United States and elsewhere.”

Annual report 2025A · The company itself

“Under 2024 har vi sett små förbättringar i marknadsklimatet, men kuvert kämpar fortfarande med en krympande efterfrågan på grund av digitaliseringen.”

Annual report 2024A · The company itself

“Lavkode Interessen og antall leveranser innen Lavkode har også økt i 2024. Stadig flere ser verdien av å gi egne ansatte med unik domenekunnskap verktøy som gjør at de kan lage sine egne løsninger.”

Annual report 2024A · The company itself

“Utsikter Virksomheter innen både offentlig og privat sektor satser fortsatt stort innen digitalisering. Digitaliseringstakten er preget av at stadig flere virksomheter må ta innover seg og håndtere endrede rammebetingelser knyttet til uforutsigbare økonomiske rammer, et endret trusselbilde og hurtig teknologisk utvikling.”

Annual report 2024A · The company itself

“Flere ønsker derfor å jobbe datadrevet. Denne måten å jobbe på kan åpne Årsberetning Årsberetning 22 22 nye muligheter og øke innovasjonog utviklingstakten.”

Annual report 2024A · The company itself

“Virksomheten Bouvet er en langsiktig og strategisk digitaliseringspartner for flere store og viktige virksomheter på tvers av sektorer.”

Annual report 2024A · The company itself

“Over tid har det vært en større dreining i markedet fra enkeltstående oppdragsleveranser til forpliktende og skalerbare tjenesteleveranser. Dette skaper merverdi både for kundene selv og konsernets medarbeidere.”

Annual report 2024A · The company itself

“Bouvet er et ledende konsulentselskap innen IT og digital kommunikasjon, og vår årelange erfaring, nærhet til kundene og brede kompetanse gjør oss til en svært ettertraktet digitaliseringspartner for både private og offentlige aktører.”

Annual report 2024A · The company itself

“Vi er en strategisk partner for mange virksomheter, og vårt brede tjenestespekter innen informasjonsteknologi, design, kommunikasjon og rådgiving gjør at vi ofte velges som totalleverandør.”

Annual report 2024A · The company itself

“SBM-1 Strategi, forretningsmodell og verdikjede Bouvet er et ledende konsulentselskap som bistår virksomheter med å utvikle effektive og brukerorienterte løsninger innen tjenesteområdene teknologi, rådgivning og design.”

Annual report 2024A · The company itself

“Gjennom tverrfaglig tilnærming og vektlegging av utvikling og endring, bidrar vi til langsiktig gevinst innenfor flere perspektiver innen bærekraft. Tjenesteutviklingen pågår kontinuerlig i tett samarbeid med kundene.”

Annual report 2024A · The company itself

“Virksomhet Bouvet leverer tjenester innenfor design, kommunikasjon, informasjonsteknologi og rådgivning.”

Annual report 2024A · The company itself

“Our longstanding digital communications capabilities, with digitization rates of over 90% for equity proxy communications as of fiscal year 2026, will continue to assist clients in their transition from paper to digital communications.”

Annual report 2026A · The company itself

“The global financial services industry is characterized by increasingly complex and integrated infrastructures and products, new and changing business models and rapid technological and regulatory changes. Our clients’ needs and demands for our products and services evolve with these changes. Our future success will depend, in part, on our ability to respond to our clients’ demands for new services, capabilities and technologies on a timely and cost-effective basis. We also need to adapt to technological advancements such as AI, machine learning, quantum computing, digital and distributed ledger and cloud computing and keep pace with changing regulatory standards to address our clients’ increasingly sophisticated requirements.”

Annual report 2026A · The company itself

“Our strategy addresses critical industry needs by utilizing our leading platform capabilities. Specifically, our growth strategy is focused on three key themes: (i) driving democratization and digitization in governance, (ii) simplifying and innovating trading in capital markets, and (iii) modernizing wealth and investment management.”

Annual report 2026A · The company itself

“This can be achieved by simplifying and modernizing their complicated and interwoven legacy systems. To address these demands, we have developed a holistic wealth management platform solution that provides seamless systems and data integration capabilities.”

Annual report 2026A · The company itself

“This continues to create a differentiated ability for us to support our clients in the areas where we have scale and domain expertise, which includes areas such as AI, digitization, tokenization, blockchain, digital assets, and other new technologies.”

Annual report 2026A · The company itself

“We are also focused on enterprise transformation with a focus on next-generation technologies. Our core strength lies in scalable, reusable platform components that empower developers and accelerate application delivery across the Company. This emphasis on unified product disciplines ensures business units have seamless access to top tier expertise. Furthermore, we leverage AI to unlock new commercial opportunities, enhance our product development approach and drive overall productivity.”

Annual report 2026A · The company itself

“The Broadridge Communications CloudSM (the “Communications Cloud”) is a flexible omni-channel platform designed to help organizations deliver a more seamless, personalized, and engaging client experience. The platform enables our clients to deploy the specific modules and delivery channels best suited to address their communication strategies while improving operational efficiency, streamlining communications management, and increasing customer engagement through open application programming interfaces and self-service tools.”

Annual report 2026A · The company itself

“Through the Communications Cloud, our clients can: •create transactional, regulatory, and marketing communications with dynamic, self-service content designed to drive customer action; •deliver communications seamlessly across print, digital, email, short message service (“SMS”) and emerging channels, including interactive microsites, through a single integration; and •gain comprehensive reporting and analytics to optimize communications and increase engagement based on customer behaviors and preferences.”

Annual report 2026A · The company itself

“Wealth and Investment Management Solutions Our Wealth Management business delivers front-to-back technology solutions, including digital marketing services to enable full-service, regional, and independent broker-dealers and investment advisors to better engage with their customers and help grow their business. Our wealth solutions are designed to help optimize advisor productivity, improve investor outcomes, digitize operations, reduce friction in investing, increase financial literacy, and deliver more personalized advice and insights.”

Annual report 2026A · The company itself

“This comprehensive wealth management platform streamlines all aspects of the service model, allowing our clients to digitally onboard customers, manage advisor compensation for multiple products and service models, and seamlessly transfer and service accounts.”

Annual report 2026A · The company itself

“Any of these competitors may (i) foresee the course of market development more accurately than we do, (ii) develop products that are superior to our products, (iii) have the ability to produce or supply similar products at a lower cost, (iv) develop stronger relationships with local homebuilders or commercial builders, (v) adapt more quickly to evolving customer preferences or requirements, or (vi) more effectively adopt and utilize new or emerging technologies, including data analytics, automation and artificial intelligence than we do.”

Annual report 2025A · The company itself

“Furthermore, our customers are continuing to increasingly demand and rely on increased technology in their operations. We anticipate digitization trends in the home-building industry to continue and have made significant investments in technology solutions to further drive digitization of the home-building industry.”

Annual report 2025A · The company itself

“We have also made significant investments in digital solutions that we believe position us to take advantage of long-term digitization trends in the homebuilding and remodel industries.”

Annual report 2025A · The company itself

“Our long-term strategy depends in part on growing our sales of prefabricated components and other value-added products, increasing our market share, and implementing various initiatives to increase our operational efficiency, improve our margins, optimize our pricing strategies, and streamline the customer experience.”

Annual report 2025A · The company itself

“Furthermore, we have made significant investments, and intend to continue to invest, in technology solutions designed to increase the efficiency of the homebuilding process. There is no guarantee that such solutions will be effective, will be adopted by our customers, will be able to compete with alternative technology solutions, including from start-up and more well-established technology companies or our competitors, or that we will realize the anticipated benefits from our investments in these solutions.”

Annual report 2025A · The company itself

“We also offer software products through our Paradigm subsidiary, including drafting, estimating, quoting, and virtual home design services, which provide software solutions to retailers, distributors, manufacturers and homebuilders that help them boost sales, reduce costs, and become more competitive. We believe that the homebuilding and remodeling industries are increasingly adopting digital solutions and that we are well-positioned to take advantage of these trends because of our scale and continuous investments in digital technologies through our Paradigm business.”

Annual report 2025A · The company itself

“Skjuts av globala trender Den accelererande digitaliseringen driver tillväxt inom e-handeln och möjliggör snabba, individanpassade och mer klimatsmarta leveranser som skapar nya behov.”

Annual report 2024A · The company itself

“In Consumer Banking, the industry has become increasingly dependent on and oriented toward technology-driven delivery systems, permitting transactions to be conducted through online and mobile channels. In addition, technology has lowered barriers to entry and made it possible for non-bank institutions to attract funds and provide lending and other financial products and services. The emergence of digital-only banking models has increased and we expect this trend to continue.”

Annual report 2025A · The company itself

“The financial services industry, including the banking sector, continues to make technological enhancements to meet customer preferences, as well as meet legal and regulatory requirements, and we may not be able to compete effectively as a result of these changes. Technology within the financial services industry continues to evolve and new, unexpected technological changes, including those related to artificial intelligence, could have a transformative effect on the way banks offer products and services.”

Annual report 2025A · The company itself

“With respect to non-banking financial institutions, technology and other changes have lowered barriers to entry and made it possible for non-banks to offer products and services traditionally provided by banks. For example, consumers can maintain funds that would have historically been held as bank deposits in brokerage accounts or mutual funds and can also complete transactions such as paying bills and/or transferring funds directly without the assistance of banks. In addition, the emergence, adoption, and evolution of new technologies that do not require intermediation, including distributed ledgers such as digital assets and blockchain, as well as advances in automation, artificial intelligence, and robotics, could significantly affect the competition for financial services.”

Annual report 2025A · The company itself

“Our competitiveness also depends on our ability to continue to develop and implement services and solutions that anticipate and respond to rapid and continuing changes in technology to serve the evolving needs of our clients. Examples include digital-, cloud- and security-related offerings, AI, augmented reality, automation, blockchain, IoT, quantum and edge computing, digital engineering and manufacturing and as-a-service solutions, among others, which are continually evolving.”

Annual report 2025A · The company itself

“Services and Solutions Our services include AI and other technology services and solutions, consulting, application development, systems integration, quality engineering and assurance, application maintenance, infrastructure and security as well as business process services and automation. Additionally, we develop, license, implement and support proprietary and third-party software products and platforms.”

Annual report 2025A · The company itself

“New technologies can materially impact our businesses in a number of ways, including affecting the demand for our products, the distribution methods of our products and content to our customers, how we create our entertainment products, the ways in which our customers can purchase and view our content and the growth of distribution platforms available to advertisers.”

Annual report 2025A · The company itself

“Network and Technology Our Connectivity & Platforms businesses use our HFC network in the United States, which we believe is sufficiently flexible and scalable to support our future technology requirements and enables us to continue to grow capacity and capabilities over time.”

Annual report 2025A · The company itself

“Our Connectivity & Platforms business engineering teams continue to focus on technology initiatives to develop and deploy next-generation media, content delivery, content aggregation and streaming platforms that support X1, Sky Q, NOW, Sky Stream, Sky Glass and Xumo. These platforms are based on our global technology platform and integrate linear television networks, DTC streaming services and other internet-based apps, and on demand programming into a unified experience with voice-activated remote-control search and interactive features.”

Annual report 2025A · The company itself

“We also will continue to incur additional costs as we execute our technology initiatives, such as the deployment of multigigabit symmetrical speeds by leveraging our DOCSIS 4.0 technology and the development and enhancement of various streaming platforms.”

Annual report 2025A · The company itself

“Availability and performance of our IT systems are vital to our business. Failure to successfully execute IT projects and have IT systems available to our business would adversely impact our operations. Table of Contents IT systems play a crucial role in conducting our business. These systems are utilized to, among other things, process a very high volume of transactions, conduct payment transactions, track and value our inventory and produce reports critical for making business decisions.”

Annual report 2025A · The company itself

“•An Expanded Attack Surface Driven By Cloud, AI and Distributed Environments: Organizations everywhere are embracing digital transformation and are becoming more distributed as they adopt the cloud, increase workforce mobility, and grow their number of connected devices. They are adding more workloads to a myriad of different endpoints beyond the traditional cybersecurity perimeter, exposing an increasingly broad attack surface to adversaries.”

Annual report 2026A · The company itself

“We rely on external ecosystems, such as operating systems and platforms, to operate and make, in various layers of technology stacks, our products and services available to customers. If we are unable to adapt to product or policy changes in such ecosystems, or if we do not effectively operate with such ecosystems, demand for and availability of our products or services could decline.”

Annual report 2026A · The company itself

“We operate in an industry in which there are rapid technological advances in hardware, software, and services offerings, including AI, cloud, and security-related offerings. Our ability to respond to such advances and to develop new or improved offerings is critical to our continued success.”

Annual report 2026A · The company itself

“Client Solutions Group (“CSG”) — CSG offers branded personal computers (“PCs”), including notebooks, desktops, and workstations and branded peripherals that include displays, docking stations, keyboards, mice, and webcam and audio devices, as well as third-party software and peripherals. Our CSG offerings are designed to optimize performance, reliability, manageability, design, and security for our customers and include on-device AI for greater end-user creativity and productivity.”

Annual report 2026A · The company itself

“In addition, mobile operating system and browser providers, such as Apple and Google, from time to time announce changes, as well as future plans, to restrict or limit certain practices that application developers like us might currently or in the future use in connection with our platform, including practices that may be applicable to merchants, consumers, and Dashers. For example, Apple has imposed requirements for consumer disclosures regarding privacy practices, and implemented an application tracking transparency framework that requires opt-in consent for certain types of tracking. These changes have negatively impacted the effectiveness of our advertising and promotions, and we expect these changes to continue to do so.”

Annual report 2025A · The company itself

“For example, in 2025, we announced a multi-year initiative to develop a new global technology platform for product development and operations, which has and will continue to entail both direct and opportunity costs in the near term but, as work progresses, we expect will increase 21 Table of Contents our pace of global product development, enhance developer productivity through AI-native tooling, and improve operational consistency across all of our geographies.”

Annual report 2025A · The company itself

“Our success depends in part on our ability to continue to innovate and further develop our platform, including through enhancing our existing platform and introducing new products and services. New products or services that we develop may not be introduced in a timely or cost-effective manner, may contain errors or defects, or may not achieve the broad market acceptance necessary to generate sufficient revenue.”

Annual report 2025A · The company itself

“Technology and digitalisation are paramount in achieving transparency, productivity and scalability”

Annual report 2025A · The company itself

“Digitalisation and automation Technology has transformed our industry in recent decades. This evolution will continue, especially given the significant focus and investments in artificial intelligence (AI), and is expected to impact the way we operate and interact with customers and other stakeholders.”

Annual report 2025A · The company itself

“Operations As our organisation grows, organically or through M&A, the services we offer to customers become more advanced and digitalised. Our mission to deliver operational excellence is based on optimised, digitalised operations and a global end-to-end network.”

Annual report 2025A · The company itself

“Transport management systems We are advancing our transport management systems, with TANGO for Air & Sea and STAR for Road. Both systems are in use in our operations. We are assessing the TANGO system, while we plan to broaden the application of STAR further in the coming years.”

Annual report 2025A · The company itself

“Digital Twins We are working on increasing automation and digitalisation of our warehouses through the implementation of digital twins as a key enabler. With digital twins, we virtually replicate the physical flows in real time using sensor data, enabling simulation, monitoring and optimisation. Bridging the physical and digital flows allows us to reduce labour intensive tasks, optimise warehouse utilisation, reduce damages, improve our planning and predict outcomes.”

Annual report 2025A · The company itself

“We help our customers optimise and improve the reliability of their supply chains by providing monitoring and digital services that increase efficiency and reduce the environmental impact. Growing complexity in global supply chains due to dual sourcing increases demand for our value-added services – e.g., purchase order management, cargo consolidation, customs clearance and warehousing.”

Annual report 2025A · The company itself

“Digitalisation, including AI, plays a key role in our strategy. We use strategic roadmaps to integrate our logistics expertise with the development of our digital and physical infrastructure, relying on scalable technologies across our organisation.”

Annual report 2025A · The company itself

“We also made strides in artificial intelligence, including digitalised booking handling. We continued to develop our commercial platform and improve our vertical offerings, resulting in continued growth with our largest customers, especially within Technology.”

Annual report 2025A · The company itself

“In 2024, the FCC reversed course yet again by adopting a Declaratory Ruling, Order, Report and Order, and Order on Reconsideration that reestablished the FCC’s authority over broadband internet access services under Title II of the Communications Act, mostly replicating its 2015 decision. On January 2, 2025, the United States Court of Appeals for the Sixth Circuit found that the FCC lacks the statutory authority to impose these rules and set aside the 2024 Order.”

Annual report 2025A · The company itself

“New technologies, products and services are driving rapid changes in consumer behavior as consumers seek more control over when, where and how they consume content and access communication services. In particular, through technological advancements and with the large increase in the number of consumers with broadband service, a significant amount of video content has become available through online content providers for users to stream and view on their personal computers, televisions, phones, tablets, video game consoles and other devices, in some cases without a fee required to access the content.”

Annual report 2025A · The company itself

“Inom affärsområdet Communication bygger Eltel högpresterande nätverk och stödjer samhällets behov av ökad digitalisering. Vi utformar, installerar, uppgraderar och utför service på mobila och fasta kommunikationsnät, inklusive lösningar för mobil inomhustäckning.”

Annual report 2024A · The company itself

“Även om investeringar och aktiviteter i de nordiska samhällena för en mer hållbar framtid, baserat på digitaliseringen och elektrifieringen av samhället, är betydande, tror jag att vi än så länge bara befinner oss i början av denna omvandling.”

Annual report 2024A · The company itself

“Kommunikationsnätverk stödjer hybridarbete och digitaliseringen av samhället.”

Annual report 2024A · The company itself

“Infranätsektorn utvecklas snabbt och drivs av megatrender som digitalisering, elektrifiering, hybridarbete och klimatförändringar (läs mer om dessa trender på sidan 7). Det finns betydande tillväxtmöjligheter i norra Europa, som drivs av pågående trender och betydande investeringar i nätkapacitet, laststyrning, smarta elnät, energieffektivitet och förnybar energi.”

Annual report 2024A · The company itself

“Vårt utbud och marknader Eltel erbjuder ett omfattande utbud av tjänster inom kommunikation och elkraft på marknader med stark tillväxt. Dessa marknader drivs av den ökande samhällsefterfrågan på elektrifiering och digitalisering.”

Annual report 2024A · The company itself

“Eltel optimerar kommunikationsnät för att tillgodose samhällets växande efterfrågan på digitalisering, och förändrar hur människor lever, arbetar och underhåller sig. Verksamheten drivs främst av teknikuppgraderingar, underhållsbehov och ökad efterfrågan på förbättrad kapacitet och snabbare nätverk.”

Annual report 2024A · The company itself

“Kundernas investeringar i fiber har legat kvar på höga nivåer och volymerna inom övriga erbjudanden inom Communication har varit stabila under hela året.”

Annual report 2024A · The company itself

“Den underliggande efterfrågan på våra produkter drivs av starka trender som digitalisering, elektrifiering och hållbarhet.”

Annual report 2024A · The company itself

“Foto: Marius Beck Dahle Marknad, marknadsposition och potential Den globala HMI-marknaden (Human Machine Interface) beräknas växa med en årlig tillväxttakt på 8 procent till att uppgå till 75 miljarder kronor 2027.”

Annual report 2024A · The company itself

“Panel- och PC-baserade HMI-lösningar står för mer än fyra femtedelar av volymen och efterfrågan på mjukvara förväntas växa i betydligt snabbare takt än hårdvara under perioden 2022-2027.”

Annual report 2024A · The company itself

“Tillväxten drivs dels av digitaliseringen och uppkopplingen av maskiner och processer – industri 4.0 – dels av ökad automation och högre krav på hållbarhet.”

Annual report 2024A · The company itself

“Med digitaliseringen som viktigaste underliggande drivkraft växer koncernen organiskt i takt med att investeringar sker till exempel inom infrastruktur, transporter och energi.”

Annual report 2024A · The company itself

“Därtill har koncernen ett fullgott försäkringsskydd. • Produktutvecklingsrisk: Risken att koncernen på grund av den snabba tekniska utvecklingen på marknaden förlorar konkurrenskraft minimeras genom att kontinuerligt egenhändigt utveckla teknologi baserad på god kunskap om kundernas verksamhet och behov, samt att via strategiska partnerskap och förvärv få tillgång till nyutvecklad teknologi. • Kundkreditrisk: Risken att en stor kund hamnar i ekonomiska svårigheter eller i konkurs och inte kan betala för redan levererade varor begränsas av koncernens kreditpolicy samt att affärsenheterna har ett stort antal kunder verksamma i flera olika segment på olika marknader.”

Annual report 2024A · The company itself

“Försäljning miljarder kr medarbetare Rörelseresultat miljoner kr Verksamhet i länder Detta är Ependion Ependion är en växande global teknikkoncern som erbjuder digitala lösningar för säker kontroll, styrning, visualisering och datakommunikation för industriella tillämpningar i miljöer där tillförlitlighet och hög kvalitet är kritiska faktorer.”

Annual report 2024A · The company itself

“Ependion erbjuder industriell datakommunikation, visualisering och styrning i krävande miljöer där kvalitetskraven är särskilt höga.”

Annual report 2024A · The company itself

“Egen teknologi utvecklas i nära samarbete med kunderna Ependion är en modern teknologikoncern som utvecklar, tillverkar och säljer produkter för säker datakommunikation, visualisering och styrning i krävande miljöer. Erbjudandet, som består av både mjukvara och hårdvara med en växande andel servicetjänster, bygger på djup kunskap om kundernas behov.”

Annual report 2024A · The company itself

“Ependion erbjuder marknaden digitala lösningar för säker kontroll, visualisering och datakommunikation för industriella tillämpningar i miljöer där tillförlitlighet och hög kvalitet är kritiska faktorer.”

Annual report 2024A · The company itself

“Det var en hög gruvaktivitet under året, vilket bidrog till en stark efterfrågan, särskilt på service och lösningar som automation och digitalisering.”

Annual report 2024A · The company itself

“1) Vi investerar i vad vi kallar "intern FoU", vilket motsvarar 3.6% (3.2) av våra intäkter.”

Annual report 2024A · The company itself

“Yieldpoint designar, tillverkar och säljer avancerade digitala geotekniska instrument och har kunder över hela världen. Produkterna, som omfattar bergrörelsesensorer och telemetrilösningar, används främst i gruvor under jord samt i tunnel och anläggningsapplikationer.”

Annual report 2024A · The company itself

“Vi tror att digitalisering är nyckeln till en hållbar framtid för gruvindustrin. Inom digitalisering har vi en branschledande, OEM-agnostisk strategi som fungerar för alla typer av maskiner oavsett tillverkare, och vårt breda utbud av lösningar har flera fördelar för våra kunder.”

Annual report 2024A · The company itself

“En stor majoritet av våra innovationsinsatser ligger inom digitalisering, automation och elektrifiering.”

Annual report 2024A · The company itself

“För att behålla vårt ledarskap inom innovation samarbetar vi med kunder, leverantörer och branschledare för att utveckla mer hållbara, säkra gruv- och infrastrukturverksamheter med låga koldioxidutsläpp.”

Annual report 2024A · The company itself

“Initiativ under 2024 inkluderar: - Åtgärder för att förbättra lönsamheten, inklusive översyn av servicekontrakt och konsolidering av produktionsanläggningar. - Ökad motståndskraft inom inköp och leveranskedja. - Expansion av tillverkningen i Hyderabad, Indien. - Ökad produktionskapacitet i Örebro, Sverige. - Uppdelning av Tools & Attachments divisionen i två.”

Annual report 2024A · The company itself

“Groundbreaking Intelligence är Epirocs strategiska expansion av sin portfölj med lösningar för digitalisering och automation. Genom flera förvärv under de senaste åren har Epiroc förbättrat sin förmåga att erbjuda heltäckande, skalbara lösningar som ligger i linje med branschens övergång till hållbarhet och effektivitet.”

Annual report 2024A · The company itself

“Digitalisering: Ordertillväxten för våra digitala lösningar ökade med 30%, och vi vann två stora order i Australien på lösningar för trådlös uppkoppling i gruvor. Robusta och tillförlitliga trådlösa nätverk är avgörande för att stödja automation och digitalisering av gruvdrift, vilket är strategiska tillväxtområden för oss.”

Annual report 2024A · The company itself

“Genom att använda avancerade lösningar såsom automation och uppkoppling, inklusive datadriven service och övervakning, kan kunder uppnå en högre nyttjandegrad vilket i sin tur leder till högre produktivitet och lägre driftskostnader. Vårt utbud av batteridrivna maskiner har visat sig vara mer produktivt än motsvarande dieselmaskiner, vilket hjälper kunderna att öka produktiviteten samtidigt som de minskar både utsläppen och kostnaderna för ventilation.”

Annual report 2024A · The company itself

“Genom innovation – särskilt inom automation, digitalisering och elektrifiering – uppnår vi mätbara säkerhetsoch miljövinster.”

Annual report 2024A · The company itself

“Vi erbjuder lösningar för planering och schemaläggning i realtid, tunnelinformation, situationsmedvetenhet, ventilationsbehov, borrspårning och skiftstöd.”

Annual report 2024A · The company itself

“E q u i p m e n t Service 20242023202220212020 -12 Årlig och genomsnittlig intäktsökning Intäkter per typ av affär 20242023202220212020 Intäkter och book-to-bill 20242023202220212020 Orderingång Epiroc koncernen Marknadsutveckling Efterfrågan från gruvkunderna var fortsatt hög, särskilt på våra lösningar inom automation och digitalisering.”

Annual report 2024A · The company itself

“We generally sell our products and services in industries that are characterized by rapid technological changes, including the introduction of new innovative technologies and analytical capabilities, frequent new product and service introductions and changing industry standards. In addition, certain of the markets in which we operate are seasonal and cyclical. Without the timely introduction of new products, services and enhancements, our products and services will become technologically or commercially obsolete over time, in which case our revenue and operating results would suffer.”

Annual report 2025A · The company itself

“Edellä mainittujen megatrendien lisäksi suunnittelualaan vaikuttavat ja suunnittelupalvelujen kysyntää kasvattavat keskeisimmin kolme trendiä: digitalisaatio, jatkuvasti nopeutuva teknologinen kehitys sekä kasvava tarve osaajista.”

Annual report 2025A · The company itself

“Orgaanisen kasvun lähteitä ovat tekoälyä ja teknologioita hyödyntävät uudet palveluratkaisut, jotka tuottavat uudenlaista lisäarvoa asiakkaillemme.”

Annual report 2025A · The company itself

“Ohjelmistoja sulautetut ratkaisut: Tuotekehitys ja ohjelmistoratkaisut, jotka mahdollistavat digitalisaation, koneiden ja laitteiden yhdistettävyyden ja älykkyyden. Merkittävä rooli asiakkaiden kestävyystavoitteiden tukemisessa ja liikevaihdon osuudessa.”

Annual report 2025A · The company itself

“Teknisen viestinnän ja datan ratkaisut: Teknisen dokumentaation ja tuotantolaitosten tiedonhallinnan tuottaminen ja hallinta, sekä painettuna että digitaalisessa muodossa. Palvelualueen nimi päivitettiin tammikuussa 2025 korostamaan datan kasvavaa merkitystä strategiassa.”

Annual report 2025A · The company itself

“The rapid pace of technological change, including advances in AI, cloud computing, and machine learning, along with evolving client demands, could cause our products and services to become outdated or less competitive. If we fail to keep pace with innovation, invest in developing new technology or data products, or successfully respond to disruptive competitors and emerging industry standards, our market position, revenues and operating results could be adversely affected.”

Annual report 2025A · The company itself

“Olemme varmoja, että sähkön kysyntä Pohjoismaissa kasvaa datakeskusten, teollisuuden dekarbonisaation ja sähköistämisen myötä sekä laajemman energiasiirtymän seurauksena.”

Annual report 2025A · The company itself

“Consumer preferences have evolved toward direct-to-consumer offerings such as SVOD, AVOD and FAST services, as well as connected TV devices and operating systems and gaming and other consoles.”

Annual report 2026A · The company itself

“The Company continues to focus on investing in and expanding its digital distribution offerings and direct engagement with consumers, including through Tubi, the FOX One direct-to-consumer subscription streaming service, FOX Nation, FOX Weather and other offerings.”

Annual report 2026A · The company itself

“Advances in cloud computing, mobile platforms, and artificial intelligence (AI) have expanded how consumers interact and transact online, and we expect technological advancements to continue to unlock new possibilities. At the same time, the expansion of consumers’ digital footprint is increasing exposure to cyber risks.”

Annual report 2026A · The company itself

“The core markets we participate in include security, identity, privacy, and increasingly, financial wellness. We believe the cyber safety market will continue to expand significantly, driven by the growing number of people connected to the internet and the accelerating convergence of their digital and financial lives.”

Annual report 2026A · The company itself

“From a supply chain perspective, the company’s product offerings rely heavily on search engine optimization (SEO), making third-party search engines – particularly Google’s – critical to its operations. Changes to search engine algorithms can significantly impact the business by disrupting Gentoo’s search rankings, reducing traffic to the company’s websites. Generally, minor algorithm changes do not have any noticeable impact on the overall search engine result page, however, core algorithm updates may have a considerable impact on search results, and therefore, the visibility and ranking of our websites.”

Annual report 2024A · The company itself

“Our strategy of prioritising high-value markets, optimising operational efficiencies, and investing in assets, tech and data, has driven sustainable and long-term growth.”

Annual report 2024A · The company itself

“Technology is essential to maintaining Gentoo Media’s position as a leading affiliate. By leveraging cuttingedge technology, we enhance our products, optimise processes, and drive efficiency across all operations. Advanced data analytics, AI-driven automation, and state-of-the-art tracking systems enable us to refine user experiences, improve conversion rates, and ensure accurate performance attribution.”

Annual report 2024A · The company itself

“Considerable resources were allocated to the continued development of technology and business intelligence (BI) for Gentoo Media in 2024. Two major IT projects, including our next-generation media platforms, have been under development throughout the year.”

Annual report 2024A · The company itself

“Additionally, our Paid division achieved solid expansion, fueled by advancements in lead generation, CRM, and marketing technologies.”

Annual report 2024A · The company itself

“Looking ahead, Gentoo will continue to focus on: / Expanding AskGamblers’ sports betting segment to capture a larger share of the growing and substantial sports market. / Further integration of acquired assets to enhance scalability and drive operational synergies. / Optimising AI-driven marketing strategies to maximise high-value player acquisition. / Continuous investment in SEO, content quality, and BI-driven decision-making to strengthen digital performance. / Expanding and enriching paid strategies and channels, positioning Paid as one of our key growth drivers. / Ongoing enhancements to its technological framework and tools to achieve operational excellence and a superior portfolio of assets.”

Annual report 2024A · The company itself

“Digitaliseringen revolutionerar vården genom teknologier som distansvård, artificiell intelligens (AI), 3D-printing och robotik.”

Annual report 2024A · The company itself

“Vi stärker också vår position i operationsrummet och sterilcentralen genom a digitalisera och optimera arbetsflöden, vilket ökar produktiviteten och minimerar risken för vårdsrelaterade infektioner.”

Annual report 2024A · The company itself

“Getinges framtida tillväxt är beroende av framgångsrik produktutveckling, särskilt inom digitalisering. Innovationskraen är avgörande för a bibehålla och stärka bolagets ledande position.”

Annual report 2024A · The company itself

“En av årets milstolpar var lanseringen av Servo TwinView – våra ventilatorer har nämligen få en digital tvilling som ger vårdpersonal nära realtidsåtkomst till data utan a behöva gå in i den känsliga intensivvårdsmiljön.”

Annual report 2024A · The company itself

“Under året har vi ha god tillväxt inom bland annat förbrukningsvaror för steril godshantering och Digital Health Solutions, tack vare våra ledande digitala verktyg för styrning av steril godshantering, operationsrum och patientflöden.”

Annual report 2024A · The company itself

“Avancerade digitala lösningar för a optimera sjukhusens arbetsflöden och säkerställa eektivitet inom sterila försörjningskedjor, integration av operationssalar och operationssalshantering.”

Annual report 2024A · The company itself

“Strategien udspiller sig i en kontekst, hvor vores hovedmarkeder er udfordrede af strukturelle forandringer i form af ændret forbrugeradfærd særligt drevet af digitaliseringen samt en demografisk udvikling, som er udfordrende på undervisningsområdet.”

Annual report 2025A · The company itself

“Stigningen er drevet af effekten af de opkøbte virk - somheder i løbet af 2025, samtidig med at både fysisk og digital omsætning er steget i forhold til sidste år.”

Annual report 2025A · The company itself

“Samtidig fortsatte veksten i etterspørselen etter digitale læremidler, e-bøker og lydbøker.”

Annual report 2024A · The company itself

“Gjennom en landsdekkende fysisk infrastruktur, ledende digitale markedsplasser, plattformer og tjenester og kontakt med en stor andel av befolkningen digitalt får vi tilgang til innsikt, markeder, kompetanse og synergier.”

Annual report 2024A · The company itself

“Sosial inkludering for forbrukere og/eller sluttbrukere Ikke-diskriminering Risiko: Endrede rammebetingelser og håndhevelsen av disse kan medføre betydelig kostnadspåslag samt behovet for å forenkle tilbudet av multimediale læremidler (egen drift/nedstrøm). lang sikt Informasjonsrelaterte konsekvenser for forbrukere og/eller sluttbrukere Privatliv Risiko: Endrede rammebetingelser innen personvern og informasjonssikkerhet kan medføre betydelig kostnadspåslag (nedstrøm). lang sikt Innsikten fra vårt arbeid med vesentlighetsanalysen er integrert i Gyldendals strategiske prioriteringer og ligger til grunn for våre forretningsmodeller og innovasjonstiltak.”

Annual report 2024A · The company itself

“For å sikre at våre utgivelser er tilgjengelig for alle, jobber vi gjennomgående redaksjonelt, teknisk og designmessig med universell utforming. Vi gir ut flere læremidler med særskilt tilrettelegging, og bidrar til et tilbud for elevgrupper med ulike funksjonsvariasjoner.”

Annual report 2024A · The company itself

“Tjenester og vekst utvikler digitale tjenester og produkter for eksisterende og nye markeder.”

Annual report 2024A · The company itself

“Our ability to implement solutions for our customers, anticipate and respond to rapid and continuing changes in technology (such as cloud-, AI-, networking- and security-related offerings), and develop new service offerings or incorporate technological improvements into our existing offerings that meet our customers’ needs and evolving industry standards, is critical to our competitiveness and success. We encounter aggressive competition from numerous competitors in all areas of our business (which we expect will continue across a wider array of networking offerings due to the Merger), and our competitors have targeted and are expected to continue targeting our key market segments.”

Annual report 2025A · The company itself

“Our Strengths We believe that we possess a number of competitive advantages that distinguish us from our competitors, including: •Strategic, comprehensive portfolio. HPE concentrates its portfolio around the megatrends of networking, cloud, and AI, as we believe that these three strategic IT markets each serve as an essential building block for modern IT infrastructures and strategies. HPE’s portfolio of solutions is designed to help customers accelerate digital transformation and unlock AI-driven business outcomes.”

Annual report 2025A · The company itself

“Hybrid Cloud earnings from operations increased by $76 million, or 29.3%, due to a decrease in operating expenses by $131 million, or 6.8%, primarily driven by capitalization of software costs and cost containment measures, partially offset by a decrease in gross profit as mentioned above.”

Annual report 2025A · The company itself

“Den ökade digitaliseringen i samhället, fler uppkopplade hushåll, utbyggnaden av 5G, framtidens smarta städer och mer fokus på hållbara lösningar driver på efterfrågan.”

Annual report 2024A · The company itself

“Övergången till molnet och efterfrågan på SaaS-lösningar (Software as a Service), AI (Artificiell Intelligens) och digitaliseringen driver på utbyggnaden av datacenter över hela världen.”

Annual report 2024A · The company itself

“Verksamheten har också utvidgats till att omfatta fler tillväxtområden som också gynnas av en ökad digitalisering, teknikskiftet från koppar till fiberoptik och behovet av fler och bättre uppkopplingar.”

Annual report 2024A · The company itself

“Den ökade digitaliseringen i samhället driver på efterfrågan på fiberoptisk infrastruktur. Låga anslutningsnivåer i länder som Tyskland, Storbritannien och USA, utbyggnaden av 5G-nät och den pågående utfasningen av de gamla kopparnäten innebär en strukturellt ökad efterfrågan under kommande år.”

Annual report 2024A · The company itself

“Långsiktigt finns ett antal starka, strukturella trender som stödjer utbyggnaden av fiberoptisk infrastruktur. Den ökade digitaliseringen, en relativt låg andel hem med bredbandsuppkoppling i länder som USA, Tyskland och Storbritannien, utbygganden av 5G-nät samt utfasningen av de gamla kopparnäten är faktorer som driver på efterfrågan.”

Annual report 2024A · The company itself

“Genom förvärvet fick Hexatronic ett ledande systemerbjudande som kunde tas med ut i världen. Sverige och Ericsson var pionjärer inom system för bred - bandsbyggnad av främst FTTH.”

Annual report 2024A · The company itself

“Med insikt om den transformativa kraften i anslutning har Hexatronic samarbetat med Världsbanken för att tillhandahålla fiberoptiskt bredband till Tuvalu. Projektet har varit under utveckling under hela 2024, och i slutet av året ägde den första banbrytande händelsen rum – att ansluta landets sjukhus som det första kritiska steget.”

Annual report 2024A · The company itself

“HMS NETWORKS ÅRSREDOVISNING 2024 5 HMS mission "We enable valuable data and insights from industrial equipment allowing our customers to increase productivity and sustainability."”

Annual report 2024A · The company itself

“av HMS intäkter* 6 % Marknads -tillväxt Varumärken: Red Lion, Anybus Diagnostics, N-Tron, Ewon Data från maskiner       HÅLLBAR KONSUMTION OCH PRODUKTION HÅLLBAR ENERGI FÖR ALLA HMS bidrag till Agenda 2030 - mål 7 och mål 12    AI DIGITALISERING DRIVANDE TRENDER:   HMS bistår med: Fjärråtkomst och data för PLC-baserade maskiner -    Nätverksdiagnostik i fabriker   Displaypaneler och HMI:er (Human Machine Interfaces)    Nätverksswitchar      HMS NETWORKS ÅRSREDOVISNING 2024 13  Industrial Network Technology Kundexempel DEN 10:E MILJONTE ANYBUSENHETEN TILL SCHNEIDER ELECTRIC I FRANKRIKE Schneider Electric och HMS Networks har samarbetat i två decennier kring nätverks-  Anybus, kan Schneider Electric erbjuda frekvensomriktare som kan kommunicera på     DEGLOBALISERING DATAANALYS HÅLLBARHET Teknologi för kommunikation, styrning och säkerhet inom industriella enheter.”

Annual report 2024A · The company itself

“For example, in fiscal year 2025 we experienced challenges from changing customer behaviors and we believe we and others in our industry face continuing secular challenges related to, among other things, decreased demand for printing products and solutions as a result of increased digitization, hybrid work, increasing competition from generic alternatives and customer preferences shifting from traditional disposable ink cartridge printers to refillable big tank printers.”

Annual report 2025A · The company itself

“FinTechs continue to emerge in key areas of banking. In addition, larger established technology platform companies continue to evaluate, and in some cases, create businesses focused on banking products. We closely monitor activity in the marketplace to ensure that our products and services are technologically competitive.”

Annual report 2025A · The company itself

“Cybersecurity risks for banking organizations have significantly increased in recent years in part because of the proliferation of new technologies, including AI, and the use of the internet and telecommunications technologies to conduct financial transactions. For example, cybersecurity risks may increase in the future as we continue to increase our mobile-payment and other internet-based product offerings and expand our internal usage of web-based products and applications.”

Annual report 2025A · The company itself

“The continuous widespread adoption of new technologies, including internet services and mobile applications, and advanced ATM functionality, is influencing how individuals and firms conduct their financial affairs and is changing the delivery channels for financial services. Our “People-First, Customer-Centered” strategic plan considers the implications of these changes in technology and how it may impact our customers.”

Annual report 2025A · The company itself

“Our success depends, in part, on our ability to successfully implement our strategic plan as well as adapt existing products and services and develop competitive new products and services demanded by our customers. The widespread adoption of technologies will continue to require substantial investments to modify or adapt existing products and services and to develop new products or services.”

Annual report 2025A · The company itself

“Nämä erikoistuneet yritykset elävät digitaalisen markkinoinnin eturintamassa, hyödyntäen tekoälyä ja dataa sekä kehittäen markkinointiteknologioita kestävän kilpailuedun rakentamiseen. Menestyksemme nojaa vahvasti koko ostopolun tuntemiseen sekä modernin teknologian, datan ja tekoälyn hyödyntämiseen.”

Annual report 2025A · The company itself

“Teknologinen murros Talouskehityksen rinnalla markkinointija viestintäteknologia on ottanut harppauksen kohti syvää automaatiota ja uudenlaista löydettävyyttä. Vuoden 2025 kokeilut generatiivisen tekoälyn parissa vaihtunevat vuonna 2026 tekoälyagenttien laajaan hyödyntämiseen, jolloin viestintä on entistä dynaamisempaa ja yksilöidympää.”

Annual report 2025A · The company itself

“Toimintaympäristö Suomessa Suomalaisyritysten toimintaympäristöä leimaa tällä hetkellä voimakas teknologinen turbulenssi, joka koetaan merkittävästi nopeammaksi ja ennakoimattomammaksi muutosvoimaksi kuin muutokset asiakaskäyttäytymisessä tai kilpailutilanteessa. Tämä kehitys haastaa yritysten kykyä uudistua ja luo kasvavaa kysyntää asiantuntijakumppaneille, jotka hallitsevat monimutkaiset teknologia- ja dataekosysteemit.”

Annual report 2025A · The company itself

“Markkinan kyvykkyydet ja kehityskohteet Suomalaisyritykset luottavat vahvasti strategiseen osaamiseensa, ja erityisesti asiakassuhteiden- ja brändijohtaminen koetaan keskeisiksi vahvuuksiksi suhteessa kilpailijoihin. Samaan aikaan markkinalla tunnistetaan merkittäviä osaamisvajeita taktisissa ja teknologisissa kyvykkyyksissä.”

Annual report 2025A · The company itself

“Eurooppalaisessa viitekehyksessä korostuu tarve rakentaa vahva teknologiainfrastruktuuri (Martech), joka integroi datan ja työnkulut tehokkaasti koko ostopolun varrella.”

Annual report 2025A · The company itself

“Vuosikertomus 2025 Markkinointi-investoinnit ja resursointi Suomessa toimivat yritykset käyttävät markkinointiin keskimäärin 6,9 % liikevaihdostaan. Investointien painopiste on vahvasti digitaalinen, ja mediabudjeteista jo 76 % kohdistuu onlinekanaviin.”

Annual report 2025A · The company itself

“Samaan aikaan julkinen sektori on siirtynyt digitaaliseen viestintään, mikä on vauhdittanut koko yhteiskunnan digitaalista loikkaa ja korostanut tietoturvan merkitystä.”

Annual report 2025A · The company itself

“Tekoäly ja teknologia -osaamiskeskus keskittyy tuotekehityksen nopeuttamiseen ja sitä kautta kasvun ja kannattavuuden kiihdyttämiseen, pidemmällä aikavälillä mm. teknologiavalintoihin, seuraa tuotteiden ja palvelujen teknologisia elinkaaria, priorisoi tuotekehityspanostuksia ja koordinoi datavastuullisuutta ja tietoturvaa.”

Annual report 2025A · The company itself

“Asenne Rohkea edelläkävijyys Kehitämme osaamistamme rohkeasti, kartoitamme uusia mahdollisuuksia ja johdamme muutosta ennakkoluulottomasti.”

Annual report 2025A · The company itself

“TUTKIMUS- JA KEHITTÄMISMENOT Markkinointi- ja teknologiapalveluissa kehitystyö on jatkuvaa suunnitelmallista markkinoinnin ja viestinnän tekijöille tarjottavien työkalujen ohjelmistoja palvelukehitystä.”

Annual report 2025A · The company itself

“Ilkka muodostuu yhtiöistä, jotka tarjoavat markkinoinnin, viestintä- ja markkinointiteknologian palveluja sekä datapalveluja.”

Annual report 2025A · The company itself

“Konsernimme liiketoiminnan ytimen muodostavat markkinointija viestintäteknologian edelläkävijänä toimiva ohjelmistoyritys Liana ja sen Ruotsissa toimiva tytäryhtiö Ungapped, dataohjatun myynnin ja markkinoinnin johtava asiantuntija Profinder, Suomen johtava WordPressdigitoimisto Evermade, Suomen johtava somemarkkinoinnin asiantuntijatoimisto MySome sekä strateginen B2B-markkinointikumppani Myynninmaailma.”

Annual report 2025A · The company itself

“Toimintamme perustuu skaalautuviin ja jatkuvalaskutteisiin SaaS-palveluihin, jotka muodostavat 65 % liikevaihdosta.”

Annual report 2025A · The company itself

“Omat teknologiaratkaisumme, datapalvelut sekä vahva markkinointija viestintäosaaminen vastaavat yritysten muuttuneisiin tarpeisiin.”

Annual report 2025A · The company itself

“Vuosikertomus 2025 Sosiaalinen vastuu Merkityksellinen työ ja osaava yhteisö Ilkka-konsernissa Ilkka-konsernissa uskomme, että kestävä menestys rakentuu osaavista, sitoutuneista ja hyvinvoivista ihmisistä. Olemme markkinoinnin, myynnin, datan ja teknologian asiantuntijayhteisö, jossa eri osaamiset yhdistyvät asiakkaidemme kasvun ja kehityksen tueksi.”

Annual report 2025A · The company itself

“Konsernin henkilöstö muodostaa monialaisen osaajayhteisön, jossa yhdistyvät markkinoinnin, myynnin, datan ja teknologian asiantuntijat sekä konsernin tukitoiminnot.”

Annual report 2025A · The company itself

“Segmentin yhtiöt tuottavat markkinointi-, teknologia- ja datapalveluita.”

Annual report 2025A · The company itself

“Jatkossa Ilkka toimii sijoittaja-, HR- ja asiakasbrändinä, kun tarjoamme asiakkaillemme yhtenäisiä kokonaisuuksia, joissa markkinoinnin asiantuntemus, ajantasainen data ja kehittynyt teknologia yhdistyvät. Tytäryhtiömme säilyttävät omat vahvat brändinsä.”

Annual report 2025A · The company itself

“Muutoksen jälkeen raportoimme liiketoimintamme seuraavien segmenttien mukaisesti: - Data- ja teknologia -liiketoiminta, joka pitää sisällään SaaS-liiketoimintamallilla toimivien yhtiöiden (Liana, Profinder, Ungapped) palvelut.”

Annual report 2025A · The company itself

“Data- ja teknologia -liiketoiminnan kohdemarkkina on Suomi ja kansainväliset markkinat. - Asiantuntijapalvelut -liiketoiminta sisältäen digitaalisen markkinoinnin asiantuntijapalvelut (Evermade, MySome ja Myynninmaailma), jotka toimivat palveluliiketoimintamallilla ja joiden kohdemarkkina on Suomi.”

Annual report 2025A · The company itself

“KONSERNIN LIIKEVAIHTO JA TULOS 1000 eur 1-12/ 2025 1-12/ 2024 Liikevaihto 37 800 30 842 Liikevoitto/ -tappio -1 081 -2 916 Tulos ennen veroja 4 058 4 343 Osakekohtainen tulos, (EUR) 0,15 0,18 Liikevoittoon/ -tappioon sisältyvät oikaistut erät: Osuus osakkuusyhtiöiden tuloksista 106 221 Toiminnan uudelleenjärjestelykulut -549 -94 Hankintamenon käyvän arvon kohdistamisesta aiheutuneet poistot ja ehdollisen kauppahinnan käyvän arvon muutos -2 239 -1 562 Yrityshankinnan kulut -1 042 Oikaistu oman toiminnan liikevoitto/ -tappio 1 601 -439 Konsernin liikevaihto kasvoi 22,6 prosenttia ja oli 37 800 tuhatta euroa (30 842 teur).”

Annual report 2025A · The company itself

“Our future success will depend on our response to the demand for new services, products and technologies. The demand for our services that rely on electronic communications gateways, is characterized by: • rapid technological change; • changing customer demands; • the need to enhance existing services and products or introduce new services and products; and • evolving industry standards.”

Annual report 2025A · The company itself

“We trace our roots to the market making business founded by our Chairman, Mr. Thomas Peterffy, on the floor of the American Stock Exchange in 1977. Since our inception, we have focused on developing proprietary software to automate broker-dealer functions. We have been a pioneer in developing and applying technology as a financial intermediary to increase liquidity and transparency in the capital markets in which we operate.”

Annual report 2025A · The company itself

“Technology Overview Our proprietary technology is the key to our success. We believe that integrating our system with electronic exchanges and market centers worldwide results in transparency, liquidity and efficiencies of scale.”

Annual report 2025A · The company itself

“Our success in the past has largely been attributable to our sophisticated proprietary technology that has taken many years to develop. We have benefited from the fact that the type of proprietary technology equivalent to that which we employ has not been widely available to our competitors.”

Annual report 2025A · The company itself

“With respect to our direct market access brokerage business, the market for electronic and interactive bidding, offering and trading services in connection with equities, options and futures is rapidly evolving and intensely competitive.”

Annual report 2025A · The company itself

“Failure to properly address the increased transformative pressures affecting the asset management industry could negatively impact our business.”

Annual report 2025A · The company itself

“Our continued success in effectively managing and growing our business depends on our ability to integrate our varied accounting, financial, information and operational systems on a global basis. Moreover, adapting or developing the existing technology systems we use to meet our internal needs, as well as client needs, industry demands and new regulatory requirements, is also critical for our business. The introduction of new technologies, such as our Alpha/Hybrid investment platform, presents new challenges and new potential risks to us.”

Annual report 2025A · The company itself

“While performance remains paramount and competitive pricing is essential, best-in class experience and value-added services (including portfolio analytics, consultative solutions, and digital tools) increasingly differentiate managers.”

Annual report 2025A · The company itself

“In addition to our established retail intermediary networks, digital distribution channels are playing an increasingly important role in shaping client engagement and product delivery. Digitally native financial institutions and online wealth platforms are becoming a growing source of retail asset flows, expanding investor access to our strategies through mobile‑first and data‑driven advisory ecosystems.”

Annual report 2025A · The company itself

“Further, we also continue to explore opportunities in the emerging trend of tokenization, which has the potential to transform the delivery and operational efficiency of investment products through enhanced accessibility, fractionalization, and streamlined settlement.”

Annual report 2025A · The company itself

“Johan fortsätter: – Oavsett politik och konjunktur ser vi att trender som gör världen mer hållbar genom ökad energieffektivisering och återvinning blir allt viktigare, och digitaliseringen finner ständigt nya former att bidra till värdeskapande.”

Annual report 2024A · The company itself

“LATOUR ÅRSREDOVISNING 2024 19 affärsutveckling Sedan starten 1998 har turkiska Arkel utvecklats till ett ledande varumärke inom utveckling och tillverkning av avancerade elektroniska komponenter för hisssystem världen över. LATOUR ÅRSREDOVISNING 2024 affärsutveckling Förvärv i Turkiet Stärkt global position med turkiskt förvärv Under 2024 gjorde Latours affärsområde Innovalift ett strategiskt förvärv av Arkel, en ledande turkisk aktör inom elektronik och styrsystem för hissar.”

Annual report 2024A · The company itself

“Innovalift verkar inom en bransch präglad av starka globala trender som en åldrande befolkning, urbanisering, digitalisering och hållbarhet.”

Annual report 2024A · The company itself

“Latour skapar värden i sina innehav genom att vara en aktiv och långsiktig ägare som med finansiell styrka och djupt industriellt kunnande bidrar till hållbar utveckling av företagen i portföljen. verksamhetsidé Latours övergripande verksamhetsidé är att investera i hållbara företag med egna produkter, en stark utvecklingspotential som stöds av globala megatrender och som har goda framtidsutsikter.”

Annual report 2024A · The company itself

“Senast att ansluta var Kriterier vid Investeringar marknad och trender Adresserar identifierade trender. Branschen visar lönsam tillväxt. Utvecklingspotential Nästa utvecklingsvåg har startat.”

Annual report 2024A · The company itself

“Denna digitalisering möjliggör en mer effektiv samverkan mellan varumärken och med leverantörer och kunder, samtidigt som den lagt grunden för framtida tillväxt. – Detta har varit en betydande investering, men det ger oss en skalbarhet som gör det enklare att växa både organiskt och genom förvärv.”

Annual report 2024A · The company itself

“Dessutom har bolaget gjort ytterligare framsteg inom sensorbaserade lösningar som möjliggör realtidsövervakning av kritiska fästelement, en teknologi som allt fler kunder efterfrågar.”

Annual report 2024A · The company itself

“Behålla positionen som industriledare genom kundorienterad FoU drivet av digitala och smarta teknologier.”

Annual report 2024A · The company itself

“Ökat fokus på en överlägsen kundupplevelse genom digitala lösningar och service.”

Annual report 2024A · The company itself

“Verksamheten omfattar en portfölj av bolag inom fastighetsautomation, energimätning och industriell optimering. Kort om bemsiq group Bemsiq Groups mission är att göra data tillgänglig och hanterbar för att möjliggöra ett hållbart samhälle. Bolaget är en ledande leverantör av intelligenta enheter för mätning, insamling och överföring av data inom fastighetsautomation, energimätning och industriell optimering.”

Annual report 2024A · The company itself

“En ökad digitalisering och INVISIOs omfattande produktutveckling har ytterligare utvidgat den adresserbara målgruppen och stärkt efterfrågan.”

Annual report 2024A · The company itself

“Till drivkrafterna hör omfattande investeringar i moderniseringsprogram – men också ett mer spritt användande av kommunikationsutrustning i en alltmer digitaliserad omvärld.”

Annual report 2024A · The company itself

“Till drivkrafterna bakom uppräkningen hör ett mer spritt användande av kommunikationsutrustning, fortsatta investeringar i moderniseringsprogram och en ökad geopolitisk osäkerhet.”

Annual report 2024A · The company itself

“Digitalisering, pågående militära moderniseringsprogram och allt fler användare I flera länder pågår en långsiktig modernisering av de kommunikationssystem som används inom försvar och blåljusverksamhet. Till drivkrafterna hör såväl föråldrad befintlig utrustning som nya möjligheter till följd av digitalisering och teknisk utveckling.”

Annual report 2024A · The company itself

“We rely heavily on third-party digital marketing and residential listing platforms to generate leasing leads for our homes. A substantial portion of prospective residents are introduced to our properties through a single, widely used third-party platform that plays a significant role in resident search behavior and lead origination. As a result, our ability to attract residents, maintain occupancy levels, and efficiently lease our homes is materially dependent on the continued effectiveness, availability, and commercial terms of that platform.”

Annual report 2025A · The company itself

“We support local market operations with national strategy, infrastructure, workflows enabled by technology, and standards to drive efficiency, consistency, and cost savings. We utilize our extensive scale and investments in technology to ensure the consistent quality of our resident experience and maximize cost efficiencies and purchasing power. On a national level we are also able to standardize resident leases, employ a consistent approach to resident screening and leasing operations, and utilize a tailored pricing tool that analyzes publicly available data to reflect local market conditions.”

Annual report 2025A · The company itself

“We have developed and employ a highly scalable, vertically integrated, and resident-centric property management service platform, referred to as “ProCare.” All of our property management functions have been internally managed since our founding in 2012, and we have implemented an extensive property management infrastructure, including a resident portal that is available both online and via a mobile app, smart home technology, a mobile app for residents to schedule and track maintenance requests, a technology suite to manage work orders and associate schedules, dedicated in-market associates, and local offices in each of our core markets.”

Annual report 2025A · The company itself

“We offer choice, control, and engagement options to our prospective and existing residents by providing a mobile-responsive website, an iOS app, and an Android app. Prospective residents can browse homes available for lease, take virtual tours, request additional information, and apply to lease a specific home. Our existing residents have the added convenience of requesting maintenance services, paying rent, and learning about value-add services – all from their digital platform of choice.”

Annual report 2025A · The company itself

“Our associates are able to support and manage requests for critical functions such as leasing and maintenance through easy-to-use digital tools and AI services.”

Annual report 2025A · The company itself

“Customers who have made significant progress with cloud migration are now investing to modernise and innovate across the cloud continuum, extending the cloud to the edge and using data and AI to unlock greater value with more opportunities still to come. As we enter 2025, we are optimistic about the opportunities ahead for our Cloud and Application Services. This trend is fundamental to Itera’s mission. All our customers are on a journey to becoming digital businesses and thus more agile and resilient, and digital transformation underpinned by cloud and digital technologies continues to drive the potential for strong double-digit growth across our core business.”

Annual report 2024A · The company itself

“There is a gradual shift taking place in the nature of the demand for managed services. As businesses seek greater resilience, face a war for talent, and need to digitise and experience cost pressures, strategic managed services are increasingly a top management priority. Leveraging the substantial investment that it has carried out in its Cloud and Application Services, Itera expects to see a gradual improvement in its profitability once the volume of migration and modernisation engagements reaches critical mass.”

Annual report 2024A · The company itself

“We are committed to finding human solutions to complex challenges through digital transformation by constantly innovating and developing leading-edge ideas and leveraging emerging technologies to anticipate our customers’ needs.”

Annual report 2024A · The company itself

“The company’s overall core strategy of developing large, long-term customer relationships, increasing the number of engagements which involve the full range of Itera’s services, and using our Digital Factory at Scale and distributed delivery model across borders in the Nordics and Central and Eastern Europe, remains unchanged. Itera has over time developed a unique position in Ukraine and is utilising its strong relationships with the Ukrainian authorities and senior management teams in Nordic industries to enable the green transition through new industrial software solutions and services for the rebuilding of Ukraine once the invasion is over. Itera is acting as an advisor and agent to Nordic companies that wish to build a presence in Ukraine and tap into the many EU and UN funded grants available.”

Annual report 2024A · The company itself

“In response, we swiftly adapted our strategies to meet our customers’ urgent need for short-term solutions and delivered high value by digitally transforming their businesses using our extensive expertise in technology, data, AI and new ways of working.”

Annual report 2024A · The company itself

“Itera is a leading international technology company that helps businesses and organisations accelerate their sustainable digital transformations.”

Annual report 2024A · The company itself

“JPMorganChase may not always identify or recognize the full extent of operational risks that could arise from: •the introduction of a new product or service, including platforms for the delivery or distribution of products or services •the acquisition or integration of, or investment in, a new business, product or portfolio, including the development of any related technological capabilities •the adoption of a new technology, or •changes to existing products, services, delivery platforms, businesses and technologies. Any significant failure by JPMorganChase to identify the operational risks associated with these types of changes, or to implement adequate controls to mitigate those risks, has resulted and could in the future result in: •hindering JPMorganChase’s ability to operate its businesses •potential liability to clients, counterparties and customers •impairment of JPMorganChase’s liquidity •weaker competitive standing •higher compliance, operational or integration costs •regulatory intervention •losses from fraudulent transactions •higher litigation costs and penalties, or •reputational harm.”

Annual report 2025A · The company itself

“Part I Competition in the financial services industry could lead to negative effects on JPMorganChase’s results of operations. JPMorganChase operates in a highly competitive environment in which it must constantly adapt to changes in financial regulation, technological advances and economic conditions. JPMorganChase expects that competition in the financial services industry will remain intense, with new competitors in the financial services industry continuing to emerge.”

Annual report 2025A · The company itself

“New technologies have required and could require JPMorganChase to increase expenditures to modify its products to attract and retain clients and customers or to match products and services offered by its competitors, including technology companies. If JPMorganChase does not keep pace with rapidly changing technological advances, including the adoption of generative AI, it risks losing clients and market share to competitors, which could negatively impact revenues, operating costs and its competitive position.”

Annual report 2025A · The company itself

“These applications represent basic and advanced design, simulation, and measurement capability that support the electronics industry and is driven by digital transformation and the growth of connected devices (IoT), including consumer electronics, digital health applications, smart manufacturing, and the growth of digital classroom learning.”

Annual report 2025A · The company itself

“Failure to introduce successful new solutions and services in a timely manner to address increased competition, rapid technological changes, and changing industry standards could result in our solutions and services becoming obsolete. We generally sell our solutions in industries that are characterized by increased competition through frequent new solution and service introductions, rapid technological changes and innovations and changing industry standards.”

Annual report 2025A · The company itself

“R&D expense in 2025 increased 2 percent compared to 2024, primarily driven by continued investments in key growth opportunities in our end markets and leading-edge technologies and higher variable people related costs.”

Annual report 2025A · The company itself

“The commercial laboratory industry is subject to changing technology and the introduction of new and improved test offerings. The Company’s success in maintaining a leadership position in genomic and other advanced testing technologies will depend, in part, on its ability to develop, acquire, or license new and improved technologies on favorable terms and to obtain appropriate coverage and reimbursement for these technologies.”

Annual report 2025A · The company itself

“Technology-Enabled Services and Support The Company provides a range of technology-enabled services and support designed to enhance the customer and patient experience and provide convenient access to data, analytics, and clinical insights, including: •Digital Pathology Solutions: Technology‑enabled pathology platforms that support the digitization, centralized review, and sharing of pathology slides, enabling remote collaboration, scalable access to pathology data, and enhanced consistency across diagnostic workflows and clinical trials. •Provider and Payer Digital Platforms: Online applications for providers, MCOs, and ACOs to obtain test results and population and health management data. •CDS Reporting: Analytics-enabled reporting solutions, with nearly 10 million enhanced CDS reports delivered to physicians and health systems to support clinical decision-making. •Patient‑facing Digital Applications: Online and mobile applications that allow patients to learn about the Company’s offerings, schedule PSC visits, check in upon arrival, complete documentation, access tests and test results, and manage their accounts.”

Annual report 2025A · The company itself

“Teknologia • Luotean tarjooman kilpailukyky vaikuttaa konsernin tulevaan kasvuun. Arviointivirheet palvelutuotannon ja kaluston teknologiavalinnoissa voivat heikentää yhtiön kannattavuutta. • Kilpailukyvyn menettäminen jäämällä jälkeen tekoälykehityksessä. • Luotean liiketoimintaan ja kalustoon liittyvän toimintaympäristön jatkuva seuranta ja analysointi. • Kalustonhankintojen ajallinen hajauttaminen. • Tekoälystrategian toteuttaminen mm. henkilöstöä kouluttamalla.”

Annual report 2025A · The company itself

“Luotean jatkuvien toimintojen uusi visio on: Luotsaamme tietä kohti älykkäämpää huomista. Vision mukaisesti kehitämme uuden aikakauden kiinteistönhuoltoa. Työssämme teknologia ja inhimillinen osaaminen pelaavat saumattomasti yhteen: näin teemme rakennuksista ympäristöystävällisempiä, älykkäämpiä ja käyttäjilleen toimivampia.”

Annual report 2025A · The company itself

“Luotea investoi strategiakaudella toimintamalliensa uudistamiseen, mikä mahdollistaa entistäkin kustannustehokkaamman palvelutuotannon.”

Annual report 2025A · The company itself

“Datalähtöiset palvelut tarjoavat laadukkaampaa raportointia, tehostavat kiinteistöjen käyttöä sekä parantavat olosuhteita ja energiatehokkuutta.”

Annual report 2025A · The company itself

“New requirements and rules, or changing interpretations of existing requirements in these areas, or the development of new regulatory schemes related to the digital economy in general, may also increase our costs and/or restrict our ability to leverage data or use AI for innovation. This could impact the products and services we offer and other aspects of our business, such as fraud monitoring, the need for improved data management, governance, quality and accuracy practices, the development of information-based products and solutions, and technology operations. In addition, these requirements may increase the costs to our customers of issuing payment products or using information products, which may, in turn, decrease the number of our products that they offer.”

Annual report 2025A · The company itself

“The payments industry is subject to rapid and significant technological changes, including new technologies and changes to existing technologies (such as digital assets and blockchain, AI, machine learning, privacy enhancement and cybersecurity). These changes could result in new technologies that may be superior to, or render obsolete, the technologies we currently use in our programs and services. They may also result in new and innovative payment methods, products and services.”

Annual report 2025A · The company itself

“Our future success will depend, in part, on our ability to anticipate, develop or adapt to technological changes and evolving industry standards. If we fail to sufficiently develop and adopt new technologies, or improve and keep pace with current technologies and reflect such technology in our payments offerings, our payments offerings could be negatively impacted and/or we could be put at a competitive disadvantage. This could impact our ability to compete with new technologies and products, as well as encourage customers that use our technology to enhance and deliver their payment-related products and services (including fintechs and technology companies) to use their own technology to compete against us.”

Annual report 2025A · The company itself

“Data and AI We create a range of products and services for our customers that use our data and AI assets, technology, platforms and expertise. These products and services are designed to make commerce smarter, more secure and more personal. Our data comes from an increasing variety of sources, such as transaction data (including from gateway, card and real-time payments), open finance, digital identities, buyer/supplier payment preferences, device attributes, digital threat assessments, rewards redemptions and unstructured data (such as our manuals and publications).”

Annual report 2025A · The company itself

“As more players enter the global payments ecosystem, the layers between our brand and consumers and merchants increase. We often partner with other consumer brands on payment solutions, including large digital companies and other technology companies who are our customers and use our networks to build their own acceptance brands. In some cases, our brand may not be featured in the payment solution or may be secondary to other brands.”

Annual report 2025A · The company itself

“Our open finance platform enables data providers and third parties, on a permissioned basis, to reliably access, securely transmit and confidently manage consumer and small business data to improve the customer experience. Our platform enables individuals to have choice of financial services, providing them the ability to access, control and benefit from the use of their data. This choice provides individuals with an improved digital experience.”

Annual report 2025A · The company itself

“Digitalization serves as an additional key driver, enabling the development of new business models, improving efficiency and enhancing safety.”

Annual report 2025A · The company itself

“Metso places strong emphasis on the aftermarket and services, with a focus on customer experience and new digital capabilities to support both organic and inorganic growth. Key growth areas include products with high aftermarket captivity, the sustainable Metso Plus offering, automation, and digitalization.”

Annual report 2025A · The company itself

“Additionally, Metso prioritizes the development of smart and connected equipment and processes.”

Annual report 2025A · The company itself

“Digitaliseringen inom försvaret och samhällsviktiga verksamheter ökar och därmed också behovet av taktiska IT-lösningar. MilDef tar en aktiv roll i utvecklingen och målet är att vara den mest trovärdiga samarbetspartnern i branschen.”

Annual report 2024A · The company itself

“Orderläge Orderingången var stark för helåret 2024 och är, i likhet med tidigare år, drivet av en stark underliggande efterfrågan av digitalisering och modernisering hos MilDefs slutkunder samt ökade försvarsanslag i Norden och Europa.”

Annual report 2024A · The company itself

“The trend toward direct access to automated, electronic markets will likely continue as additional markets move to automated trading platforms.”

Annual report 2025A · The company itself

“The trend toward direct access to automated, electronic markets, and the move to more automated trading platforms has resulted in the use of increasingly complex technology that relies on the continued effectiveness of the programming code and integrity of the data to process the trades. We rely on the ability of our employees, our consultants, our internal systems and systems at technology centers maintained by unaffiliated third parties to operate our different businesses and process a high volume of transactions. Unusually high trading volumes or site usage could cause our systems to operate at an unacceptably slow speed or even fail. Disruptions to, destruction of, instability of or other failure to effectively maintain our IT systems or external technology that allows our clients and customers to use our products and services (including our self-directed brokerage platform and mobile services) could harm our business and our reputation.”

Annual report 2025A · The company itself

“Flera globala trender, exempelvis digitalisering och elektrifiering, skapar goda tillväxtförutsättningar på våra prioriterade marknader och kundsegment. Introduktion Strategi Vårt strategiska hjul Megatrender Marknad Kunder Innovation Effektivitet och kvalitet Medarbetare Verksamheten Bolagsstyrning Hållbarhetsrapport Finansiell information Övrigt Prioriterade tillväxtområden är • Batteriindustrin • Kylning av datacenter • Den globala värdekedjan för livsmedelsproduktion • Serviceverksamhet och komponenter • Clean Technologies Hur vi gör Hållbarhetsfokus Munters erbjuder energieffektiva klimatkontrollsystem som minskar kundernas användning av el och vatten.”

Annual report 2024A · The company itself

“Ökande digitalisering påverkar all verksamhet, både internt och i relationen till kunder och partners i värdekedjan. Integrerade lösningar, avancerad uppkoppling och hög cybersäkerhet blir allt viktigare.”

Annual report 2024A · The company itself

“Den globala digitaliseringen och den accelererade användningen av AI driver en ständig ökning av efterfrågan på infrastruktur för datacenter.”

Annual report 2024A · The company itself

“Lantbrukare Lantbruk och storskaliga växthus digitaliseras successivt och vi fortsätter se en ökande efterfrågan på kontrollenheter och sensorer som är uppkopplade och kan avläsas på distans.”

Annual report 2024A · The company itself

“Genom tillgång till data Ständiga förbättringar För att maximera kundnyttan och minimera resursåtgång arbetar Munters enligt produktionssystemet Munters Production System (MPS). Systemet bygger på principerna i Lean Production samt World Class Manufacturing (WCM).”

Annual report 2024A · The company itself

“Implementationen säkerställer snabb informationsdelning och ökad datakvalitet, samt stöttar framtida tillväxt. En tydligare struktur på system, processer och data möjliggör kontinuerliga förbättringar av arbetssätt och ger bättre förutsättningar för automation och nyttjande av artificiell intelligens.”

Annual report 2024A · The company itself

“Digitalisering ger möjligheter på alla nivåer: att skapa ny banbrytande teknik, att uppgradera och förbättra befintliga erbjudanden, samt att modularisera, förbättra och utveckla erbjudanden.”

Annual report 2024A · The company itself

“Ett talande exempel på vår innovationskraft är Munters Vitality Index, som nådde cirka 40%. Det innebär att en betydande del av vår omsättning kommer från produkter och lösningar som utvecklats under de senaste fem åren – ett tydligt bevis på vårt ständiga fokus på forskning, utveckling och marknadsdriven innovation.”

Annual report 2024A · The company itself

“Munters | Års- och hållbarhetsredovisning 2024 Munters som investering 11 Vårt syfte - for customer success and a healthier planet 02 Strategier 12 Strategi för långsiktig och hållbar tillväxt 02 Vi skapar framgångsrik värdetillväxt genom att ha en strategi som fokuserar på att vara nära kunderna och därmed förstå behov och drivkrafter. Den insikten tar vi med oss in i innovationsprocessen för att lansera relevanta produkter på rätt marknader och segment.”

Annual report 2024A · The company itself

“Competition We operate in markets characterized by rapid technological change, evolving customer requirements, and frequent introductions of new products, services, and business models. Customer demand continues to be influenced by cloud adoption, digital transformation initiatives, cybersecurity requirements, and increasing use of artificial intelligence and data‑driven applications. We compete in the storage, data management, and AI data pipeline markets, including on-premises infrastructure, hybrid cloud environments, and public cloud services.”

Annual report 2026A · The company itself

“As customers undertake IT transformations, leveraging modern architectures and hybrid cloud environments, they seek simpler solutions and new consumption models. This shift is directing spending towards transformational projects and architectures like flash storage, hybrid cloud, cloud storage, and IT-as-a-service.”

Annual report 2026A · The company itself

“Digitaliseringen av samhället ställer krav på ökad kapacitet i näten för både fast och mobil trafik.”

Annual report 2024A · The company itself

“Allt mer manuellt arbete sker numera digitalt och antalet uppkopplade enheter ökar starkt, drivet av fler digitala applikationer, smarta städer och hus liksom IoT (Internet of Things). Det här ställer krav på ökad kapacitet i telenäten.”

Annual report 2024A · The company itself

“I stora delar av Europa pågår därför betydande investeringar för att byta ut koaxial- och kopparnät till fiber.”

Annual report 2024A · The company itself

“Det finns en underliggande god tillväxt inom Netels marknadssegment som drivs av starka megatrender som klimatförändringen, digitaliseringen och behovet av att modernisera infrastrukturen.”

Annual report 2024A · The company itself

“Erbjudandet omfattar nyckelfärdiga lösningar och täcker hela värdekedjan för fiber- och mobilnät, från planering och tillståndshantering till utbyggnad, installation, driftssättning och integration.”

Annual report 2024A · The company itself

“Digital sales, comprising revenues generated through the sale of e-books and downloadable and streaming audiobooks, represented approximately 23% of global consumer revenues for the fiscal year ended June 30, 2026.”

Annual report 2026A · The company itself

“Third-party platforms like search engines, social media and AI platforms and digital marketplaces, some of which offer competing products or services, have significant influence over how the Company’s content and other products and services are discovered and displayed. Changes these platforms make to algorithms, ranking methodologies, presentation, placement, user interfaces, access terms or pricing affect the Company’s ability to attract, retain and monetize consumers and compete effectively.”

Annual report 2026A · The company itself

“Consumer preferences for digital content consumption, the increasing number of content consumption choices and different ways of purchasing advertising such as programmatic buying have intensified competition for advertising, increased audience fragmentation and advertising inventory, decreased demand for the Company’s traditional media offerings and their attractiveness to advertisers and reduced rates.”

Annual report 2026A · The company itself

“For the year ended June 30, 2026, WSJ Mobile (including WSJ.com accessed via mobile devices, as well as apps, and excluding off-platform distribution) accounted for approximately 72% of visits to WSJ’s digital news and information products according to Adobe Analytics.”

Annual report 2026A · The company itself

“The Company expects to continue to pursue various strategic initiatives, incorporate new technologies and develop new and enhanced products and services to remain competitive. These include additional licensing arrangements with large platform operators, AI companies and other partners for the use of its content, the continued expansion into different business models and adjacencies, streaming audio partnerships for its books, multi-product digital bundles and other innovative digital news products and experiences. The Company is also developing products and services that incorporate AI solutions to enhance insights and value for consumers and customers and using AI to improve efficiency and productivity internally.”

Annual report 2026A · The company itself

“The Company distributes its content and other products and services to consumers and customers across an array of digital platforms including websites, mobile apps, social media, e-book devices and streaming audio platforms, as well as traditional platforms such as print and radio.”

Annual report 2026A · The company itself

“This more moderate decline followed a sharp contraction towards the end of 2022 and into 2023, which was largely driven by high prices driving a further shift to digital and inventory reductions as consumers adjusted stock levels after significant build-ups during the 2022 energy crisis.”

Annual report 2024A · The company itself

“The demand for publication paper will likely continue to decrease and the market balance is over time dependent on future closures of production capacity either permanently or through conversions to other paper grades.”

Annual report 2024A · The company itself

“Virksomheden opererer i et marked under væsentlig forandring, med bl.a. et digitalt konkurrentbillede”

Annual report 2025A · The company itself

“hvor detailforhandlere selv kan producere, publicere og optimere digitalt indhold”

Annual report 2025A · The company itself

“Virksomheden opererer i et marked under væsentlig forandring, med bl.a. et digitalt konkurrentbillede, konsolidering i detail-og mediebranchen og mindre ungdomsårgange. FK Distribution har derfor fokuseret på at tilpasse og fremtidssikre sin forretningsmodel til, at kerneforretningens strukturelle volumennedgang skal opvejes af markant produktudvikling og vækst i andre aktiviteter, herunder som nævnt selekteret post.”

Annual report 2025A · The company itself

“Videreudvikle værditilbud til eksisterende og nye kunder Optimere distributionsmodellerne med henblik på at kunne levere høj kvalitet, effektivt. Udvikle digital NejTak-ordning vha.”

Annual report 2025A · The company itself

“Fortsat fremgang i BoligPortal BoligPortal eksekverede på sin strategi om løbende at lancere nye services til det samlede univers for lejere, udlejere og kommercielle partnere samt at forbedre de eksisterende. Bl.a. blev der lanceret et Pro-univers for professionelle udlejere af f.eks. projektboliger, og der blev indgået en række nye aftaler med kunder i DataInsights.”

Annual report 2025A · The company itself

“Danmark lancerede vi den nye Publisher-platform, hvor detailforhandlere selv kan producere, publicere og optimere digitalt indhold. Derigennem har Dayli skabt flere komplementære indtægtsstrømme på en platform, der kan skaleres til andre markeder og reducere sine årlige driftsomkostninger markant.”

Annual report 2025A · The company itself

“Samtidig blev den strategiske retning justeret med fokus på at effektivisere eksisterende produkter og infrastruktur, at styrke innovation og udviklingen af nye produkter markant og på at fremtidssikre forretningsmodellen til et forventet ændret produktmiks som følge af, at Postnord har forladt brevmarkedet.”

Annual report 2025A · The company itself

“BoligPortal forsætter i 2026 udviklingen og lanceringen af nye services samt optimering af de eksisterende tjenester i det samlede digitale univers for udlejere, lejeboligsøgende og kommercielle partnere. Den fortsatte optimering af hele platformen skal sikre kontinuerlig vækst i alle BoligPortals indtægtsstrømme.”

Annual report 2025A · The company itself

“I 2026 vil Karman Connect fortsat investere i optimering af IT-infrastrukturen bag begge forretningsområder, samt i yderligere kommercialisering af Consumer Services i Danmark og i andre markeder, hvor forretningen for låneformidling allerede er til stede.”

Annual report 2025A · The company itself

“Boliger på den danske platform 127.894 131.386 136.135 Udlejere på den danske platform 26.063 25.520 26.963 Boligportal.dk i 2025 +641.000 månedlige besøgende på hjemmesiden +107.000 annoncerede lejeboliger +27.000 underskrevne lejekontrakter +36.000 underskrevne flytterapporter Bostadsportal.se i 2025 +240.000 Månedlige besøgende på hjemmesiden +1.600 underskrevne lejekontrakter +4% 26% Resultater Bekey Dayli BoligPortal Virksomheder BoligPortal leverede på sit strategiske fokus ved løbende at forbedre eksisterende services og lancere nye til det samlede digitale univers for udlejere, lejeboligsøgende og kommercielle partnere. Universet består af en fælles struktur for lejere og udlejere, hvor de kan udvælge de ydelser og services, som matcher den enkeltes behov.”

Annual report 2025A · The company itself

“Data Insights, som opsamler og sælger data fra markedspladsen, voksede moderat, og der blev indgået flere nye aftaler med kunder i ejendomsbranchen, offentlige aktører og i den finansielle sektor. Via domstolene fik Data Insights desuden stoppet en konkurrerende udbyders ulovlige brug af BoligPortals data.”

Annual report 2025A · The company itself

“I året er det organisatoriske og tekniske fundament for en skalerbar drift etableret, herunder egne afdelinger for IT, udvikling og salg. Tilbudsplatformen MineTilbud fortsatte sin stærke position i Danmark, mens det gik langsommere end forventet med at vinde fodfæste i Sverige.”

Annual report 2025A · The company itself

“De væsentligste digitale services er: • Partnerskaber Lejere kan indgå aftaler med en række nationale og regionale leverandører af el, internet, tv, forsikringer, finansiering og energimærker. • Data Insights Med udgangspunkt i brugernes anvendelse af boligportal.dk indsamles data om udbud og efterspørgsel på boliger.”

Annual report 2025A · The company itself

“Trenden med ökande digitalisering för att möta industrins effektiviseringsbehov är fortsatt stark Koncernen kommer framåt fortsätta att stärka förmågan på existerande marknader och har ambitionen att utöka sina marknader i Europa .”

Annual report 2024A · The company itself

“Novoteks klara och riktade fokus mot att samla in, modellera, lagra, visualisera och analysera industriell data i alla dess former fortsätter att uppvisa styrka.”

Annual report 2024A · The company itself

“En värld av smart industriell datahantering. Med närmare 40 års erfarenhet hjälper vi företag att navigera den digitala utvecklingen – steg för steg, med precision och trygghet. Vi säkerställer att din industriella data är tillgänglig där den behövs, när den behövs, och alltid med fokus på säkerhet och effektivitet.”

Annual report 2024A · The company itself

“Tobias Antius, CEO Novotek AB Tobias Antius 7 Våra lösningar skapas av standardprodukter som samlar in, lagrar, analyserar och styr dataflöden hos kunderna. Syftet är att ge kunden frihet att visualisera, följa upp och optimera sina produktionsprocesser för att kunna ta datadrivna beslut. VERKSAMHET Novotek har sin kärnkompetens inom lösningar för industriell IT och Automation, vilka effektiviserar kundens informationshantering, produktionsprocesser samt tjänste utbud kring deras leverans.”

Annual report 2024A · The company itself

“Enligt företagets kvalitetspolicy skall Novotek tillhandahålla tekniska lösningar, tjänster och produkter inom områdena industriell IT och automation som uppfyller våra kunders krav och förväntningar . Våra leveranser skall förknippas med god kvalitet och stimulera till återköp .”

Annual report 2024A · The company itself

“Nedgangen i papirbaserte annonseinntekter forventes å fortsette, både som en følge av naturlig digitalisering av produktene, digitale annonsesatsninger og endringer i utgivelsesfrekvens og distribusjonsgeografi for papirprodukter.”

Annual report 2024A · The company itself

“Mediebransjen er inne i en digital transformasjon, og konkurransen fra store globale aktører er sterk. Dette stiller høye krav til den videre utviklingen av konsernets produkter.”

Annual report 2024A · The company itself

“For å opprettholde denne posisjonen har vi intensivert satsingen på teknologi- og produktutvikling, og kunstig intelligens spiller her en stadig viktigere rolle. Med mål om å styrke vår digitale posisjon og sikre videre lønnsom vekst, planlegger vi betydelige investeringer i neste fase av den digitale transformasjonen.”

Annual report 2024A · The company itself

“Effektiviseringstiltakene de siste årene har vært en integrert del av konsernets digitale transformasjon. Omstilling fra papiraviser til digitale produkter utgjør i også kjernen i konsernets klimaomstilling, og vi er glade for å kunne dele mer informasjon om vår bærekraftsagenda gjennom konsernets første rapportering i samsvar med bærekraftsdirektivet (CSRD).”

Annual report 2024A · The company itself

“Postal services excelled in operational efficiency Market transformation continues, and ongoing digitalization across both public and private sectors has led to a reduction in letter volumes, a structural shift that is expected to continue. With strong execution in delivery model changes, resource optimization and high-level sorting automatization, Postal Services increased the segment’s profitability significantly.”

Annual report 2025A · The company itself

“Print mail volumes have declined and are expected to continue on a downward trend as digital communication both by public and private sector actors is increasingly replacing printed mail.”

Annual report 2025A · The company itself

“Addressed letter volumes decreased by 18.0% due to ongoing digitalization.”

Annual report 2025A · The company itself

“The net sales of Postal Services decreased by 12.1% to EUR 529.6 (602.9) million. The net sales were negatively affected by the discontinuation of unaddressed marketing services from the beginning of the year, as well as addressed letter volumes, which declined by 18.0% (14.3%).”

Annual report 2025A · The company itself

“Postal volumes are expected to continue declining due to digitalization.”

Annual report 2025A · The company itself

“In 2026, legislation introducing the digital priority of official Government letter mail will come into effect, further negatively impacting addressed letter volumes.”

Annual report 2025A · The company itself

“If the postal regulation does not continue to develop in line with the rapidly developing market by reducing obligations that are not commercially feasible in a declining market, or it is interpreted by authorities in an unexpected manner, it may cause operational challenges, additional costs and financial losses to Posti.”

Annual report 2025A · The company itself

“Posti is investing in strategic key development areas such as digital services, including its OmaPosti application. OmaPosti is constantly developed as consumers’ key everyday digital service with added new features such as Digital Postbox.”

Annual report 2025A · The company itself

“Postal Services’ target is to mitigate the impact of the decline in print mail volumes through selective price increases, optimizing pricing models, a digital offering, and developing comprehensive solutions. Operational efficiency continues to be improved through simplification of the portfolio and delivery model renewals.”

Annual report 2025A · The company itself

“(Econ.), Senior Portfolio Manager, Varma Mutual Pension Insurance Company Events after the reporting period On January 7, 2026, Posti announced plans to restructure its delivery operations and customer service to adapt to declining paper mail volumes and increasing digitalization. The planned changes include organizational restructuring, increased automation in sorting, transfer of certain Posti-owned shops to partner networks, and centralization of customer service.”

Annual report 2025A · The company itself

“Risk Factors Related to Operating Retail-Based Shopping Centers Shifts in retail trends, sales, and delivery methods between brick and mortar stores, e-commerce, home delivery, and curbside pick-up, as well as autonomous delivery systems, may adversely impact our revenues, results of operations, and cash flows. Retailers with brick and mortar stores face the risk of the impact of e-commerce and changes in customer buying habits, including shopping from home, the delivery or curbside pick-up of items ordered online, and various experimental retail experiences. Retailers are constantly considering these customer buying habits and other trends when making decisions regarding their brick and mortar stores and how they will compete and innovate in a rapidly changing retail environment.”

Annual report 2025A · The company itself

“Our inability to innovate and compete with new or enhanced products and services of our competitors could have a material adverse effect on our business, financial condition or results of operations.”

Annual report 2025A · The company itself

“Our inability to successfully develop, adapt, or implement new and improved processes and technology could materially adversely impact our business, financial condition or results of operations.”

Annual report 2025A · The company itself

“Revenue increased 6% primarily due to subscription revenue growth in Data, Analytics & Insights which was favorably impacted by the acquisitions of Visible Alpha in May of 2024 and With Intelligence in November of 2025, growth for work flow solutions in Enterprise Solutions, and growth in RatingsXpress® and RatingsDirect®, partially offset by the unfavorable impact of the sale of Fincentric in August of 2024.”

Annual report 2025A · The company itself

“Tillverknings- och gruvindustrin upplever ett skifte mot ökad digitalisering och automatisering. Tillgång till big data, sofistikerade analys verktyg, robot teknik och artificiell intelligens skapar nya affärsmöjligheter och förbättrad informationsinhämtning.”

Annual report 2024A · The company itself

“Efterfrågan på produktivitet, effektivitet och hållbarhet genom ny teknik, digitalisering och automation ligger i linje med vårt syfte och vår strategi.”

Annual report 2024A · The company itself

“Framtidens komponenttillverkning är digitaliserad och automatiserad, från design till färdig produkt, en omvandling som kommer att göra hela branschen mer produktiv, energieffektiv och mindre resurskrävande. Våra innovativa produkter är utformade för att stödja våra kunder på denna resa.”

Annual report 2024A · The company itself

“Våra investeringar i forskning och utveckling uppgick till 5,1 miljarder kronor 2024, vilket motsvarar cirka 4 procent av koncernens intäkter.”

Annual report 2024A · The company itself

“Under 2024 hade våra mjukvaruverksamheter ett starkt momentum och växte med medelhöga ensiffriga tal, trots utmanande marknader.”

Annual report 2024A · The company itself

“Vi har som ambition att utöka vårt digitala erbjudande till 6,5 miljarder kronor i intäkter till slutet av 2025. Under 2024 översteg intäkterna från det digitala erbjudandet 5 miljarder kronor.”

Annual report 2024A · The company itself

“S: Vår vision är att möjliggöra fullt sammankopplad tillverkning med hjälp av digitala trådar. Idag erbjuder Sandvik lösningar som kopplar samman viktiga delar av verksamheten genom att integrera produkter för att skapa sömlösa lösningar för våra kunder, där data från en lösning används för att öka produktiviteten i den andra.”

Annual report 2024A · The company itself

“Sandvik samarbetar med våra kunder på deras resa mot elektrifiering, digitalisering och automatisering. Vi strävar efter att erbjuda heltäckande lösningar som integrerar produkter och tjänster för maximerad produktivitet och effektivitet.”

Annual report 2024A · The company itself

“Det digitala skiftet skapar möjligheter till nya affärsmodeller. Under året började vi erbjuda fjärrövervakning som en tjänst.”

Annual report 2024A · The company itself

“Erbjuda miljöanpassad krossning och sortering, automation, digitalisering, elektrifiering och utforska kompletterande teknologi och erbjudanden genom partnerskap och förvärv.”

Annual report 2024A · The company itself

“Manufacturing Solutions investerat i att bygga upp ett starkt erbjudande inom digital tillverkning med mjukvarulösningar för designoch planeringsautomation samt industriell mätteknik. Arbetet fortsatte under 2024 då vi stärkte vårt kunderbjudande genom förvärvet av Cimquest.”

Annual report 2024A · The company itself

“Finansiell översikt, koncernen påbörjade utbyggnaden av en innovationshubb i Indien för att säkerställa en ledande position inom AI och molnlösningar. Vi fortsatte att addera kombinerade mjukvaruoch verktygserbjudanden samt kombinerade programvaror och hårdvaror för industriell mätteknik.”

Annual report 2024A · The company itself

“Vår decentraliserade affärsstrategi säkerställer att vi har nära kontakt med både vår kundbas och vårt distributörsnätverk. Vi har strukturerade processer på plats för att samla in feedback och synpunkter från våra kunder och många av våra produkter och lösningar utvecklas baserat på direkt feedback från våra kunder.”

Annual report 2024A · The company itself

“Digitalisering spelar en avgörande roll för att öka produktiviteten och säkerheten i gruvverksamheten. Sandvik erbjuder en integrerad digital plattform som stödjer kundernas behov genom hela värdekedjan, vilket möjliggör återkoppling av data och automatiserad process optimering över hela leveranskedjan.”

Annual report 2024A · The company itself

“Sandvik fortsatte att utöka Remote Monitoring Service (RMS), en serie avancerade digitala tjänster som kan omvandla stora mängder data från gruvutrustning under jord till rekommenderade åtgärder. Lösningen bidrar till att sänka kundernas driftskostnader och förbättra produktivitet och hållbarhet.”

Annual report 2024A · The company itself

“Under året ökade intäkterna från reservdelar, tjänster och förbrukningsvaror till 61 procent (59) av de totala intäkterna. Digitala lösningar är avgörande för att säkerställa att vi uppfyller kundernas krav på resurseffektivitet och produktivitet.”

Annual report 2024A · The company itself

“Innovationer som skapar kundvärde Vi utvecklar miljöeffektiva lösningar för krossning och sortering i nära samarbete med våra kunder och förser dem med produktiva, hållbara och kostnadseffektiva krossnings-, siktnings-, brytningsoch rivningslösningar. År 2024 lanserade vi DeckMapp™, en digital plattform för underhåll av siktar. Plattformen säkerställer att alla uppgifter som rör siktmedia hanteras i ett sömlöst digitalt gränssnitt som ger kunden tillgång till realtidsdata på en bärbar dator, surfplatta eller mobiltelefon.”

Annual report 2024A · The company itself

“Affärsområdet enades om en gemensam färdplan för utveckling av mjukvaruintegration, AI och modernisering av produkter samt Sandvik Manufacturing and Machining Solutions erbjuder ledande lösningar för komponenttillverkning med verkstadsindustrin, fordonsindustrin och flygindustrin som de största kundsegmenten. Våra världsledande positioner grundar sig i omfattande kunskap och vi arbetar kontinuerligt med innovation i nära samarbete med våra kunder. Våra bearbetnings- och mjukvarulösningar gör komponenttillverkningen mer produktiv, energieffektiv och mindre resurskrävande.”

Annual report 2024A · The company itself

“Vi erbjuder kunderna ett ledande och hållbart sortiment som levereras via flera divisioner och varumärken i form av metallbearbetningsverktyg, lösningar för digital tillverkning och mjukvarulösningar, metallpulver och industriell mätteknik.”

Annual report 2024A · The company itself

“Denna dynamiska marknad drivs av den digitala transformationen, utvecklingen av nya avancerade meddelandetjänster och införandet av articiell intelligens (AI).”

Annual report 2024A · The company itself

“• Risk för att viktiga aktörer på marknaden, till exempel Google eller Apple, ändrar strategi och försöker kringgå Sinchs infrastruktur och lansera en konkurrerande lösning för digital kundkommunikation.”

Annual report 2024A · The company itself

“Ett API (Application Programming Interface) gör dessa funktioner lättillgängliga via kod, som ger möjlighet till smidig integration i bentliga arbetsöden.”

Annual report 2024A · The company itself

“För att minska teknikriskerna investerar Sinch i teknik som optimerar kommunikationsmöjligheterna och förbättrar användarvänligheten. Vi analyserar marknads- och tekniktrender och har ett nära samarbete med branschledande programutvecklare.”

Annual report 2024A · The company itself

“Mer än 175000 företag – inklusive många av världens största teknikföretag – använder Sinchs Customer Communications Cloud för att förbättra kundupplevelsen med hjälp av mobilmeddelanden, rösttjänster och e-post.”

Annual report 2024A · The company itself

“Services related to the green transition, environmental and security investments, and digitalization continued to benefit from strong demand.”

Annual report 2025A · The company itself

“In digital services, demand continued to be supported by system renewal requirements and geospatial data needs.”

Annual report 2025A · The company itself

“In the municipal sector, demand is driven by the renovation debt of old IT systems and the need to digitize and streamline operations.”

Annual report 2025A · The company itself

“OUTLOOK AND GUIDANCE Outlook for the year 2026 The long-term growth in the demand for design, consulting, and digital services to create sustainable societies is supported by megatrends such as urbanization, renovation backlog, sustainability, digitalization, and security.”

Annual report 2025A · The company itself

“Good demand for services related to green transition, security, and digitalization will support business performance especially in the Infra and Digital Solutions business areas.”

Annual report 2025A · The company itself

“Sitowise has extensive digital data on the built environment, acquired from both authorities and other public entities as well as private entities. Digital data – both in Sitowise's possession and publicly available – forms the basis for Sitowise's product and service offerings and the development of new products and services.”

Annual report 2025A · The company itself

“Key intangible resources and their connection to value creation Sitowise focuses particularly on design and consulting services related to building and infrastructure construction, various digital solutions for the built environment, and digital products utilizing geospatial information.”

Annual report 2025A · The company itself

“Samhället digitaliseras snabbt och med det ökar även behovet av att lagra allt större mängder av information. Datacenter utgör grundläggande infrastruktur för kritisk ny teknik, bland annat molntjänster och artificiell intelligens (AI). Medan uppförandet av datacenter har varit en stark marknad i flera år har en ökad medvetenhet om – och investeringar i – teknik för AI ökat efterfrågan betydligt de senaste åren.”

Annual report 2024A · The company itself

“Digitalisering och smart teknologi erbjuder möjligheter till ökad effektivitet och produktivitet.”

Annual report 2024A · The company itself

“Vi fortsätter att förbättra vårt kunderbjudande vad gäller drift- och resurseffektivitet, säkerhet och hållbara lösningar. För att göra detta delar vi kunskap och expertis, utvecklar innovativa lösningar och drar nytta av digitaliseringen.”

Annual report 2024A · The company itself

“I USA har Skanska utvecklat verktyget PlanIt, ett auto ma tiserat, pappersfritt och webbaserat byggplanerings verktyg för riskbedömning. Många projekt i USA använder verktyget för att skapa och hantera platsspecifika säkerhetsplaner, daglig riskanalys, säkerhetsdatablad och utbildningsdokumentation. PlanIt använder iterativ analys av data och inbyggd AI-funktionalitet för att förutspå optimerade arbets- och säkerhetsresultat.”

Annual report 2024A · The company itself

“Under 2019 lanserade Skanska i USA klimatberäkningsverktyget Embodied Carbon in Construction Calculator (EC3), ett databasverktyg som beräknar och jämför koldioxidutsläpp från byggmaterial såsom betong, stål och gips, baserat på miljöproduktdeklarationer (EPD:s). Idag har EC3 cirka 150 000 godkända EPD:s med användare från 5 000 företag i 78 länder och är tillgänglig för alla aktörer i branschen att använda för sina klimatberäkningar.”

Annual report 2024A · The company itself

“Inom vår verksamhet för kommersiell fastighetsutveckling används teknologier som digitala tvillingar i syfte att förbättra fastigheternas kapacitet. I Storbritannien har vår byggserviceverksamhet utvecklat en webbaserad plattform för att samla, analysera och agera på realtidsdata för att säkerställa att förvaltningen av byggnaderna är optimerad. Förändringar kan genomföras på plats eller fjärrstyras för att uppfylla olika mål, såsom att minska löpande kostnader eller minska koldioxidutsläpp.”

Annual report 2024A · The company itself

“Digital sales now represent 66% of total order lines”

Annual report 2025A · The company itself

“Investments in AI- and data platforms enable us to commercialise our customer insight”

Annual report 2025A · The company itself

“At the same time, we continued to invest in digital transformation, upgrading platforms to deliver a seamless, future-ready customer experience.”

Annual report 2025A · The company itself

“We are making major investments in a new omni-channel e-commerce platform with a modern web shop and mobile app as well as new digital services which will offer customers easier, personalised digital experiences. The project delivered the first prototype at the end of 2025, and the first customer segments will be migrated during H1 2026.”

Annual report 2025A · The company itself

“Nedstrøm Tilgang til informasjon Positiv påvirkning Rådgivning for sparing og investering Bidrar til økt kunnskap rundt miljø, samfunnsansvar og forretningspraksis i investerings porteføljen hos kunder som ønsker investering og sparerådgivning Nedstrøm Positiv påvirkning Rådgivning av kunder for hvordan de kan ta mer energibesparende valg Tilbyr kunder muligheten til å gjøre energivurderinger og få tips til hva som kan gjøres for å energieffektivisere boligen Nedstrøm Korrupsjon og underslag Risiko Økonomisk kriminalitet Dette kan medføre store finansielle tap for banken.”

Annual report 2024A · The company itself

“Teknologi er sentralt innen flere av planens satsingsområder, og analyser viser at det globale markedet for landbruksteknologi forventes å vokse betydelig i årene framover. For banken ligger det en forretningsmulighet i å bidra med finansiering slik at ny teknologi for mer bærekraftig drift kan tas i bruk hos eksisterende kunder og tiltrekke seg flere av disse framtidsrettede bøndene og landbruksbedriftene i årene framover.”

Annual report 2024A · The company itself

“Viktige kompe tanser for framtidens bank er bærekraft, digital trans formasjon, forretnings forståelse, endrings evne og relasjoner.”

Annual report 2024A · The company itself

“Ved utgangen av 2024 benyttet mer enn 96,5 prosent av kundene mellom 18 og 75 år digitale tjenester. Enkelte kunder har imidlertid vanskeligheter med å benytte de digitale tjenestene.”

Annual report 2024A · The company itself

“SpareBank 1 Østlandet bruker teknologi i betydelig grad i alle deler av verdikjeden. Det arbeides kontinuerlig med videreutvikling av de digitale kundegrensesnittene for å sikre tilgjengelighet og sosial inkludering. Arbeidet omfatter for eksempel implementering av kunstig intelligens for intern effektivisering, avanserte systemer for kreditt og risikostyring, automatisering av prosesser, og ulike markedsteknologier for å sikre relevans og bred tilgjengelighet i kundegrensesnittet.”

Annual report 2024A · The company itself

“Dette betyr blant annet at vi i 2025 har løsninger som gjør det enkelt for kundene å få kontakt med banken i de kanalene de selv ønsker. Våre selvbetjeningsløsninger skal være gode og personlige.”

Annual report 2024A · The company itself

“Ifølge Mobilbankrapporten 2024 har vi Norges beste mobilbank. Cicero står bak rapporten hvor de sammen med Norstat har testet og undersøkt 16 mobilbanker.”

Annual report 2024A · The company itself

“Sparebank 1 Østlandet har i 2024 reorganisert og samlet teknologi og utvikling i en ny divisjon. Divisjonen har ansvar for å drive bankens teknologiske utvikling både via Sparebank 1alliansen, egne utviklingsmiljøer og partnere.”

Annual report 2024A · The company itself

“For å fortsatt vinne kundenes tillit og styrke vår posisjon, vil bankens videre strategiske arbeid dreie seg om fire virkemidler: Forenkling: Banken skal forenkle hverdagen for kunder og ansatte, gjennom tiltak som både gir økt kundetilfredshet og mer effektiv tidsbruk for ansatte.”

Annual report 2024A · The company itself

“Redesign: Banken skal endre kundereisene ved å skreddersy løsninger og teknologi til våre kunder og videreutvikle strukturen for kundebetjening.”

Annual report 2024A · The company itself

“För att vara framgångsrika i en bransch där nya produkter, tjänster och tekniker tas fram och utvecklas i snabb takt, samtidigt som spelarnas preferenser ständigt förändras, måste vi hela tiden vara innovativa och redo att anpassa oss till nya tekniska framsteg och preferenser. En bred anpassning till ny teknik online och högre krav kan innebära att vi måste avsätta betydande medel för att ersätta, uppgradera, modifiera eller anpassa vårt befintliga spelutbud. Det kan ha en väsentlig negativ inverkan på koncernens rörelsekostnader och resultat på kort och lång sikt.”

Annual report 2024A · The company itself

“En viktig trend är den mot digitalisering och automation inom industrin som ger såväl nya affärsmöjligheter och ökad konkurrenskraft som förbättrad effektivitet. Automationslösningar, uppkopplade produktionssystem och ökad datautvinning förbättrar produktivitet, kvalitet och energieffektivitet.”

Annual report 2024A · The company itself

“Intäkter från utförande av tjänsteuppdrag Koncernens intäkter från tjänsteuppdrag avser både kortare och längre uppdrag och inkluderar bland annat konsulttjänster, entreprenaduppdrag och transporttjänster.”

Annual report 2024A · The company itself

“Affärsområde Services fokuserar på tjänstebolag med starka positioner inom specifika B2B-nischer och är indelat i sju vertikaler: Contracting Services, Infrastructure, Installation, Logistics, Engineering Services, Digital Services samt HR and Competence.”

Annual report 2024A · The company itself

“Digitalisering och snabb teknisk utveckling påverkar i princip hela värdekedjan, från inköp och produktion till marknadsföring och försäljning.”

Annual report 2024A · The company itself

“Vi skapar värde genom att värna företagens entreprenöriella drivkraft och engagemang, men också genom att selektivt hitta synergier inom exempelvis inköp, digitalisering och hållbarhet.”

Annual report 2024A · The company itself

“Vid sidan av produktinnovation har vi fortsatt att utveckla våra produktionsanläggningar och stärkt vår kapacitet för anpassade och flexibla produktionslösningar. Investeringarna i automation och digitalisering möjliggör kortare ledtider, ökad precision och en mer hållbar resursanvändning.”

Annual report 2024A · The company itself

“Samverkan och samordning sker bland annat inom sourcing och produktion, digitalisering och hållbarhet.”

Annual report 2024A · The company itself

“Innovativa badrumslösningar och fortsatta Stödja och driva organisk tillväxt. investeringar i hållbarhet och design 1 4 Stort fokus ligger på kontinuerlig utveckling av design och produkterbjudande.”

Annual report 2024A · The company itself

“Samverkan sker framför allt inom inköp och produktion, digitalisering och hållbarhet.”

Annual report 2024A · The company itself

“Sweco konkurrerar med sin expertis och konsulterbjudanden på en marknad som drivs av gynnsamma trender inom grön omställning, resiliens och digitalisering.”

Annual report 2024A · The company itself

“Teknikutveckling, digitalisering och AI främjar förnybar elproduktion, energieffektivitet, smarta nät, energilagring, mobilitet, vattenhantering, elektrifierade transporter och cirkularitet. Det skapar möjligheter för nya affärer och ökad efterfrågan på teknisk rådgivning.”

Annual report 2024A · The company itself

“Digitalisering och AI erbjuder en mängd möjligheter att effektivisera och skapa värde isåväl Swecos verksamhet som i kundprojekten. Internt tillämpar Sweco digitalisering av processer och automatisering av administrativa uppgifter för att minska ledtider och frigöra resurser för kunduppdrag, innovation och utveckling. I kundprojekten används AI-drivna verktyg vid sidan av redan etablerad teknik för simuleringar och analyser som stödjer beslut inom design och konstruktion och bidrar till att optimera projektplanering, riskhantering och resursanvändning.”

Annual report 2024A · The company itself

“Oförmåga att anpassa sig tillräckligt effektivt och snabbt samt dra nytta av digitala framsteg som AI Risken att Sweco inte kan anpassa sig tillräckligt snabbt och flexibelt för att säkerställa att bolaget drar nytta av digitala framsteg. Swecos decentraliserade modell gör att bolaget kan behålla ett nära band till kunderna och förstå deras specifika behov.”

Annual report 2024A · The company itself

“Med hjälp av digitalisering och klimat teknik kan Sweco bidra till en ännu större effekt i sina kunders projekt.”

Annual report 2024A · The company itself

“Den digitala transformationen är ett nyckelelement i Swecos strategi och affärsutveckling, vilket är förenligt med operativa och finansiella risker om bolaget misslyckas med att implementera digitalisering i egen verksamhet ochi kundprojekt.”

Annual report 2024A · The company itself

“Denökande användningen av information och datai såväl Swecos interna verksamhet som ikunduppdragen, i kombination med en omvärld som ständigt förändras, leder till ett förstärkt fokus på informationssäkerhet.”

Annual report 2024A · The company itself

“The market opportunity Mobile technology is one of the fastest growing technologies in the world, and digitalisation is leading this transformation, reshaping industries and work processes. Within the dynamic landscape of the mobile technology market, Techstep’s offering answers several key challenges that organisations face, including administration and control of the mobile technology infrastructure, cost reductions, sustainability and security concerns.”

Annual report 2024A · The company itself

“Techstep believes that the market for mobile and circular technology solutions and services will continue to increase due to digitalisation, stricter regulation and growing complexity alongside a rapidly evolving security threat landscape.”

Annual report 2024A · The company itself

“We deliver a holistic device lifecycle management approach, covering every stage from procurement to recycling, helping organisations shift towards automation, cost reduction, and sustainability. Our end-to-end solutions support an increasingly modern and mobile workforce spanning both office workers and field workers in industries like retail, logistics, manufacturing and healthcare.”

Annual report 2024A · The company itself

“By combining proprietary software, unique expertise and strong partnerships in the mobile ecosystem, we help businesses maximise the value of their mobile estate while enhancing security, efficiency, sustainability and user experience.”

Annual report 2024A · The company itself

“Revenue from Own Software was NOK 118.2 million for the year, up 10.0% from NOK 107.5 million in 2023. The growth relates to the increased number of users and contracts.”

Annual report 2024A · The company itself

“The manner in which audio/media content is distributed and viewed is constantly changing, and consumers have increasing options to access entertainment video. Changes in technology require resources including personnel, capital and operating expenses. Conversely, technology changes have also decreased the cost of video production and distribution for certain programmers (such as through social media), which lowers the barriers to entry and increases the competition for viewership and revenues.”

Annual report 2025A · The company itself

“The financial services industry continues to become more competitive as new technological advances enable more companies to provide financial products and services, including electronic and internet-based financial solutions such as lending and payment solutions, digital currencies, digital wallets and alternative payment methods. Competition has also increased from companies that are not subject to the same regulatory restrictions as domestic banks and bank holding companies, including by financial technology companies, or “fintechs,” which may offer bank-like products or services that compete directly with the Company’s products and services.”

Annual report 2025A · The company itself

“In October 2024, the CFPB finalized a rule regarding personal financial data rights, which applies to financial institutions that control or possess data relating to covered consumer financial products or services, such as Regulation E accounts and credit card issuers. Under the final rule, USBNA will be required to provide consumers and, upon the consumer’s request, their authorized third parties with electronic access to “covered data.” This includes transaction information, account balances, upcoming bill information, information to initiate payment to and from accounts, the terms and conditions under which an account or credit card was provided, and certain other basic account verification information. The final rule requires “data providers” such as USBNA to create detailed access interfaces for both consumers and developers in order to effectuate consumers’ access to, and transfer of, their personal financial data.”

Annual report 2025A · The company itself

“Table of Contents The ability to update or maintain technology could adversely affect our operations – We rely on information technology in all aspects of our business, including technology systems operated by us (whether created by us or purchased), under control of third parties, and open-source software. If we do not have sufficient capital or do not deploy sufficient capital in a timely manner to acquire, develop, or implement new technology or maintain or upgrade current systems, such as Positive Train Control (PTC), NetControl, or the latest version of our transportation control systems, we may suffer a rail service outage or competitive disadvantage within the rail industry and with companies providing other modes of transportation service, which could have a material adverse effect on our results of operations, financial condition, and liquidity.”

Annual report 2025A · The company itself

“If we are not able to take advantage of developments in technology and address changing consumer demand on a timely basis, we may experience a decline in the demand for our services, be unable to implement our business strategy and experience reduced profits. Our industries are rapidly changing as new technologies are developed that offer consumers an array of choices for their communications needs and allow new entrants into the markets we serve. In order to grow and remain competitive, we will need to adapt to future changes in technology, enhance our existing offerings and introduce new offerings to address our customers’ changing demands and differentiate our services and products from our competitors. If we are unable to meet future challenges from competing technologies on a timely basis or at an acceptable cost, we could lose customers to our competitors.”

Annual report 2025A · The company itself

“Privacy, Data Use, AI and Cybersecurity: Aspects of our operations or business are subject to increasingly complex and fragmented data-related regulations, including with respect to privacy, data use, AI and cybersecurity, which impact the way we collect, use and handle data, operate our products and services and even impact our ability to offer a product or service. In addition, legislatures and regulators globally are proposing new laws or regulations on these topics that could require Visa to adopt more restrictive data collection and processing practices; expand cybersecurity requirements; limit cross-border data flows; impact the adoption of advanced AI systems; and impose increased obligations on companies handling personal data.”

Annual report 2025A · The company itself

“Our business relies on the processing of data across national borders. Legislators and regulators around the world are increasingly adopting or revising privacy, data protection, data management, data transfer, AI and cybersecurity laws and regulations. For example, our ongoing efforts to comply with complex U.S. and international privacy and data protection laws may increase the complexity of our compliance operations, entail substantial expenses, divert resources from other initiatives and projects, require us to modify our data processing practices, policies or services, and adversely impact our business.”

Annual report 2025A · The company itself

“•We are accelerating the migration to digital payments through our network of networks strategy. We aim to provide a single connection point so that Visa clients can enable money movement for businesses, governments and consumers, regardless of which network is used to start or complete the transaction. This model ultimately helps to unify a complex payments ecosystem. Visa’s network of networks approach creates opportunities by facilitating person-to-person (P2P), business-to-consumer (B2C), business-to-business (B2B) and government-to-consumer (G2C) payments, in addition to consumer-to-business (C2B) payments.”

Annual report 2025A · The company itself

“We aim to grow CP by strengthening Visa’s impact in card-based consumer payments and expanding our reach in non-card-based payments. We are investing in Tap to Everything, token technology, cross-border capabilities, offerings to affluent consumers, consumer credit capabilities and other opportunities to drive our volume and expand the scope of our transactions and our payment credentials on top of which we can deliver a growing array of Visa services. Core Products Visa’s growth has been driven by the strength of our core products — credit, debit and prepaid.”

Annual report 2025A · The company itself

“Table of Contents Expanding Our Reach in Consumer Payments We aim to capture value and drive yield from CP currently routed through A2A networks via two primary strategies. First, we are focused on capturing A2A payments through card-enabled payment flows. One example of our most recent innovations in this space is Visa Pay, which we launched in 2025, expanding digital payment access by connecting participating digital wallets to Visa’s network with digital credentials for payments globally.”

Annual report 2025A · The company itself

“New technologies affect the demand for our products and services, the manner in which our entertainment offerings are distributed to consumers, the ways we charge for and receive revenue for our entertainment products and services and the stability of those revenue streams, the sources and nature of competing entertainment offerings, the time and manner in which consumers acquire and view some of our entertainment offerings and the options available to 17 TABLE OF CONTENTS advertisers for reaching their desired audiences. These developments have impacted the business model for certain traditional forms of distribution, as evidenced by the industry-wide decline in ratings for broadcast and cable television, the reduction in demand for home entertainment sales of theatrical content, the development of alternative distribution channels for broadcast and cable programming and declines in subscriber levels for traditional cable channels.”

Annual report 2025A · The company itself

“Our enforcement activities depend in part on third parties, including technology and platform providers, whose cooperation and effectiveness cannot be assured to any degree. In addition, technological advances that allow the almost instantaneous unauthorized copying and downloading of content into digital formats without any degradation of quality from the original facilitate the rapid creation, transmission, and sharing of high-quality unauthorized copies. This is also true for broadcast signals, which can be retransmitted without any degradation of quality from the original via unauthorized services.”

Annual report 2025A · The company itself

“While the short-term outlook may be uncertain, we have no doubt about the long-term trends that will drive the market for digitalisation services. The strategic potential in structuring, analysing and leveraging business data is enormous. Also, we have only had a small taste of the opportunities that lie in strategic use of artificial intelligence and machine learning.”

Annual report 2024A · The company itself

“Webstep’s strategy process was concluded in the fourth quarter of 2024. The most important strategic priorities are to further develop the “One Webstep” approach, enhancing collaboration across regional offices, and enhance customer focus, aiming to incorporate a higher degree of strategic business development into our sales processes and deliveries All in all, with a continued cost focus, a more flexible and agile organisation, and closer alignment with our customers’ strategic agenda, Webstep is well positioned to develop towards and achieve its long-term goal of exceeding a 10 per cent EBIT margin, while maintaining healthy top-line growth.”

Annual report 2024A · The company itself

“Demand for our products may change, in certain cases, in ways we may not anticipate because of evolving customer needs, changing demographics, changing industry growth rates, declines in the musculoskeletal implant market, the introduction of competing products and technologies, changes to our strategy, the emergence of alternative treatment methods, evolving surgical philosophies and evolving industry standards. Our products may become obsolete without the timely introduction of new products and enhancements or due to changes in applicable standards of care. If that happens, our revenue and operating results would suffer.”

Annual report 2025A · The company itself

“We are converting substantial portions of our U.S. sales force from independent distributors and sales representatives to our employees in a multi-year initiative. We are also increasing product category specialization and focus across our U.S. sales force, which may lead to disruptions for our sales personnel. We may not successfully execute or manage this transformation and transition, which could materially and adversely affect our business, results of operations and financial condition.”

Annual report 2025A · The company itself

“TECHNOLOGY & DATA, BONE CEMENT AND SURGICAL Through our Technology & Data, Bone Cement and Surgical product category, we market a collective suite of our products and technologies as the ZBEdge® Platform. The ZBEdge Platform connects robotic and digital technologies together to collect data before, during and after surgery, that can deliver insights to surgeons to assist in making informed decisions on patient care.”

Annual report 2025A · The company itself

“Our ability to respond to these trends, timely transition our product portfolio, develop new and innovative products, and acquire and protect the necessary intellectual property rights is essential to our continued success, but cannot reasonably be assured. It is possible that we will not be able to develop new technologies, products or distribution channels, or do so on a timely basis, to align with consumer purchasing behavior and consumer preferences, which could materially and adversely affect our financial condition, results of operations and cash flows.”

Annual report 2025A · The company itself

“Driving the future with the Gemini Cooperation 2025 was a defining year for Ocean with the successful launch and implementation of Gemini. From day one, Gemini delivered unprecedented, industry-leading schedule reliability, setting a new benchmark for quality in global shipping.”

Annual report 2025A · The company itself

“In February 2025, Ocean launched its new East-West network operated via the Gemini Cooperation with Hapag- Lloyd. The new network is designed to offer a less complex, but more reliable shipping experience with faster responses to disruptions and demand changes. It targets over 90% schedule reliability by utilising a well-tuned system of streamlined mainliner services with fewer port calls, supported by intraregional shuttles and high-performing hubs and key gateways.”

Annual report 2025A · The company itself

“While providing access to a competitive global network, Ocean offers resilient solutions and differentiated value propositions through its global network and digital products to fit the diverging customer needs and enhance long-term partnerships.”

Annual report 2025A · The company itself

“We are also accelerating the adoption of new technology to enhance productivity and efficiency. We believe we are well positioned to benefit from the rapid development of AI and other emerging technologies, with a clean and modern IT infrastructure and an agile and lean operation.”

Annual report 2024A · The company itself

“A very significant portion of our revenue and solutions and services are based on technology, including platforms and software, provided by our ecosystem partners.”

Annual report 2025A · The company itself

“Business Overview Accenture is a leading solutions and global professional services company that helps the world’s leading enterprises reinvent by building their digital core and unleashing the power of AI to create value at speed across the enterprise, bringing together the talent of our approximately 779,000 people, our proprietary assets and platforms, and deep ecosystem relationships.”

Annual report 2025A · The company itself

“In fiscal 2025, we invested $1.5 billion across 23 strategic acquisitions, $0.8 billion in R&D, and approximately $1.0 billion in learning and professional development, including approximately 47 million training hours.”

Annual report 2025A · The company itself

“Strategy and Consulting We work with C-suite executives, leaders and boards of the world’s leading organizations, helping them reinvent nearly every part of their enterprise to set their strategic priorities, build their digital core, reinvent processes and reimagine their workforce to drive greater growth, enhance competitiveness, and deliver sustainable 360° stakeholder value.”

Annual report 2025A · The company itself

“Our consulting revenue continues to be driven by helping our clients accelerate their reinvention, leveraging cloud, enterprise platforms, security, AI and data, including advanced AI, as well as our change capabilities to help clients build new skills and drive the successful adoption of new processes and technologies. In addition, clients continue to be focused on initiatives designed to deliver cost savings, supply chain and operational resilience, as well as to accelerate growth and improve customer experiences.”

Annual report 2025A · The company itself

“In our managed services business, revenues for fiscal 2025 increased 9% in both U.S. dollars and local currency compared to fiscal 2024. Managed services revenue growth in local currency for fiscal 2025 was driven by very strong growth in the Americas and strong growth in EMEA and Asia Pacific. We continue to experience growing demand to assist clients with reinvented operations, application development and maintenance, and infrastructure management including cloud and security.”

Annual report 2025A · The company itself

“genom våra 2 samspelande arenor, den Beroende på ålder och sysselsättning kan fysiska och den digitala: kunderna även välja mellan fyra olika typer av √ √ Fysiskt inom- och utomhus genom våra gym, badhus och gruppträning. medlemskap: Ordinarie, Student, Senior eller Junior.”

Annual report 2024A · The company itself

“STRATEGY & OPPORTUNITY Adobe’s strategy is to empower our customer audiences—business professionals, consumers, creators, creative professionals and marketing professionals—to be more creative, productive and successful. Underpinning our customer-focused solutions is our AI strategy and Adobe’s AI platform. As a technology leader that unleashes creativity, productivity and customer experience orchestration, we deliver end-to-end professional creative and marketing solutions.”

Annual report 2025A · The company itself

“Adobe continues to build on its strong foundation of research and development, transformative innovation, category and brand leadership and world-class financial discipline. We deliver Adobe magic to an expanding set of global customers and are executing on the opportunity ahead.”

Annual report 2025A · The company itself

“Investments in research and development, including the recruiting and hiring of software developers, are critical to remain competitive in the marketplace and are directly related to continued timely development of new and enhanced offerings and solutions. We will continue to focus on long-term opportunities available in our end markets and make significant investments in the development of our subscription and service offerings, apps and tools.”

Annual report 2025A · The company itself

“For Business Professionals & Consumers, we are democratizing productivity and creativity with AI-driven, quick and easy applications (“apps”) that enable users to be creative and productive whether consuming or generating content across multiple media types and channels.”

Annual report 2025A · The company itself

“Adobe Experience Platform Adobe Experience Platform is a purpose-built platform for customer experience orchestration that helps businesses collect, connect and activate their known and unknown customer data from every interaction across sources and channels in real time to create unified customer profiles. Adobe Experience Platform standardizes data for intelligence and profile creation and provides an open and extensible cloud infrastructure, real-time updates, and AI-driven insights and scalability.”

Annual report 2025A · The company itself

“Adobe Experience Manager Adobe Experience Manager combines digital asset management with a content management system and an end-to-end digital document solution. Adobe Experience Manager Sites provides a content management and optimization system built on a scalable, cloud-native foundation to create and deploy personalized experiences across web, mobile and apps.”

Annual report 2025A · The company itself

“To serve the productivity and creativity needs of business professionals, consumers, creators and creative professionals, our Digital Media solutions include our Adobe Acrobat solutions, Adobe Express and our Creative Cloud subscriptions and flagship apps, such as Adobe Photoshop, Adobe Illustrator, Adobe Lightroom, Adobe Premiere Pro and Adobe After Effects, as well as Adobe Firefly.”

Annual report 2025A · The company itself

“Subscription revenue by reportable segment for fiscal 2025, 2024 and 2023 were as follows: (dollars in millions) 2025 2024 2023 % Change 2025-2024 Digital Media $ 17,389 $ 15,547 $ 13,838 12 % % Digital Experience 5,409 4,864 4,331 11 % % Publishing and Advertising 106 110 115 (4)% % Total subscription revenue $ 22,904 $ 20,521 $ 18,284 12 % % The increase in subscription revenue for the Digital Media segment was driven by strength in Creative Cloud Pro and other flagship apps as well as Acrobat across all routes to market and geographies.”

Annual report 2025A · The company itself

“If we lose Microsoft Corporation’s support for our products or other software vendors do not design and develop software to run on our products, our ability to sell our products could be materially adversely affected. Our ability to innovate beyond the x86 instruction set controlled by Intel depends partially on Microsoft designing and developing its operating systems to run on or support our x86-based microprocessor products.”

Annual report 2025A · The company itself

“The Company's future success will depend, in part, on its ability to keep pace with rapid technological changes and to use technology to satisfy and grow customer demand for the Company's products and services and to create additional efficiencies in its operations. The Company may not be able to effectively implement new technology-driven products and services or be successful in marketing these products and services to its customers. A failure to meet evolving customer demands through innovative product development, effective distribution channels, and continuous investment in the Company's technology could adversely affect the Company's operating results.”

Annual report 2025A · The company itself

“En av AFRYs målsättningar är att öka den nettopositiva påverkan genom våra kunduppdrag för att accelerera hållbarhetsomställningen.”

Annual report 2024A · The company itself

“Digitalisering är en framgångsfaktor Digitalisering är en viktig del av AFRYs strategi, och vi har fortsatt att utveckla digitala verktyg och system med målet att leverera gemensamma, effektiva och värdeskapande processer med hjälp av verktyg som i hög grad är självbetjänande.”

Annual report 2024A · The company itself

“AFRY är väl positionerat för att möta denna efterfrågan genom att erbjuda ingenjörs- och designtjänster, capex-projekt, digitala tjänster och mjukvarulösningar samt rådgivningstjänster.”

Annual report 2024A · The company itself

“Detta sker genom våra kunduppdrag, det vill säga via tillhandahållande av teknik- och designtjänster, CAPEX-projekt, digitala lösningar samt rådgivningstjänster.”

Annual report 2024A · The company itself

“Digitalisering är en viktig möjliggörare för ökad resurseffektivisering och cirkulära affärsmodeller och genom ett stärkt erbjudande inom digitalisering får vi ännu bättre förutsättningar att driva omställningen genom hållbara digitala lösningar inom de segment som står inför en omfattande digitalisering.”

Annual report 2024A · The company itself

“Software and informatics solutions include software for instrument control, data acquisition, data analysis, secure storage of results, and laboratory information and workflow management. This software facilitates the compliant use of instruments in pharmaceutical quality assurance and quality control environments.”

Annual report 2025A · The company itself

“Software and Informatics We provide informatics and scientific software for instrument control, data acquisition, data analysis, secure storage of results, and laboratory information/workflow management. Our software facilitates the compliant use of instruments in pharmaceutical quality assurance/quality control environments. With our OpenLab Laboratory Software Suite, Agilent has a scalable, open software platform that enables customers to capture, analyze, and share scientific data throughout the lab and across the enterprise.”

Annual report 2025A · The company itself

“Agillic is a Danish software company within MarTech and helps organisations make personalisation perform and deliver meaningful, datadriven customer experiences that drive increased customer lifetime value, improved engagement, and measurable ROI – while keeping costs and operational complexity in check. Agillic is the trusted Nordic marketing automation platform, enabling personalisation that performs with scalability, operational efficiency, and full GDPR compliance.”

Annual report 2025A · The company itself

“Our Long-Term Growth Strategy Our key strategic priorities include making our service better, bringing Airbnb to more parts of the world, and expanding what we offer. Over the past several years, we have introduced hundreds of new features and upgrades to our platform spanning nearly every part of our service from pricing to quality to customer support.”

Annual report 2025A · The company itself

“If we cannot maintain compatibility with our customers’ IT infrastructure, including their chosen third-party services, our business will be harmed. Our products interoperate with our customers' IT infrastructures that often have different specifications, utilize diverse technology and require compatibility with multiple communication protocols.”

Annual report 2025A · The company itself

“Business Overview Akamai's mission is to power and protect life online. Since 1998, Akamai has developed and provided solutions for global enterprises to build, secure and accelerate their applications and digital experiences.”

Annual report 2025A · The company itself

“Delivery Our delivery solutions consist primarily of web and mobile performance focused solutions and media delivery solutions. Our web and mobile performance solutions are architected to enable dynamic websites and applications to have rapid response times, no matter where the user is, what device or browser they are using or how they are connected to the internet.”

Annual report 2025A · The company itself

“Revenue We primarily derive revenue from the sale of services to customers pursuant to contracts having terms of one year or longer, which allows us to have a consistent and predictable base level of revenue. Services included in our contracts consist of security solutions, the delivery of content, applications and software over the internet, cloud computing solutions and professional services.”

Annual report 2025A · The company itself

“Core to our strategy Science and innovation are key pillars of our strategy. As of 2024, our team includes 7 scientists with PhDs, driving research and development. Since 2006, Aker BioMarine’s krill products have been featured in approximately 200 studies, supported through direct research efforts or collaborations with academic institutions.”

Annual report 2024A · The company itself

“Digitalization is a vital part of how we execute our projects, improving efficiency, safety and collaboration. Together with our partners Microsoft, Cognite, Aize and Accenture, we are making good progress on our digital journey, delivering real results to clients such as Aker BP.”

Annual report 2024A · The company itself

“The Yggdrasil field development, operated by Aker BP, aims to transform the way Aker Solutions delivers projects through a fully digitalized project execution model, which is setting new standards for cost efficiency.”

Annual report 2024A · The company itself

“Vi meddelade också att vi bildar ett joint venture tillsammans med Daimler Truck för att bli ledande på mjukvarudefinierade tunga fordonsplattformar.”

Annual report 2024A · The company itself

“Dessutom tecknade vi ett bindande avtal med Daimler Truck om att etablera ett nytt 50/50 joint venture för att utveckla en mjukvarudefinierad fordonsplattform för tunga fordon och för att driva på omvandlingen i branschen.”

Annual report 2024A · The company itself

“Volvokoncernen och Daimler Truck tecknade bindande avtal om samriskföretag för att utveckla en mjukvarudefinierad fordonsplattform I oktober tecknade Volvokoncernen och Daimler Truck ett bindande avtal om ett samriskföretag för att utveckla en gemensam mjukvarudefinierad fordonsplattform och ett operativsystem för lastbilar, som ska utgöra grunden för framtida mjukvarudefinierade kommersiella fordon. Det nya företaget, Coretura, strävar efter att etablera en branschstandard och kommer att ha sitt huvudkontor i Göteborg. Den nya fordonsplattformen kommer att göra det möjligt för Volvokoncernen och Daimler Truck samt andra potentiella framtida kunder till samriskföretaget att tillhandahålla fristående digitala fordonsfunktioner i sina produkter.”

Annual report 2024A · The company itself

“Our technology industry tenants and venture investment portfolio companies are subject to a number of risks unique to their industry, including (i) an uncertain regulatory environment, (ii) rapid technological changes, (iii) a dependency on the maintenance and security of the Internet infrastructure, (iv) significant funding requirements for product research and development and sales growth, and (v) inadequate intellectual property protections. These risks may adversely affect our tenants’ ability to make rental payments to us or satisfy their other lease obligations or may impact our venture investment portfolio companies’ value, which consequently may materially adversely affect our business, results of operations, financial condition, and stock price.”

Annual report 2025A · The company itself

“Digitalisering fortsätter också att spela en mer omfattande roll inom service och underhåll. Under året lades fler uppkopplade produkter till, som övervakades via sensorer och kameror för att underlätta support på distans, spara tid, möjliggöra problemlösning och förenkla förebyggande underhåll som i slutänden säkerställer mer tillförlitlig drifttid för våra kunder. orderingång Eftermarknadens andel av divisionen Desmet 16% Decanters 16% Food Heat Transfer 14% Food Systems 13% High Speed Separators 13% Hygienic Fluid Handling 28% Mejeri 19% Färdiglagad mat och drycker 18% Oljor och fetter 25% Läkemedel och bioteknik 7% Etanol, stärkelse och socker 10% Avfall och vatten 7% Protein 6% Bryggeri 5% Övrigt 3% 33% 27% Dedikerade till omställningen Energydivisionen 2024 Behovet av energi ökar, på grund av befolkningsökningen, förbättrad levnadsstandard i tillväxtländerna och digitalisering.”

Annual report 2024A · The company itself

“En starkare digital kundresa En betydande minskning av kostnaden för dataöverföring från fartyg till land och besättningarnas krav på att förbli uppkopplade har till slut skapat förutsättningar som stöder överföring av högfrekvensdata (HF-data) från fartyg till land. För att förbättra operativ praxis ombord med dessa HF-data har vi släppt första generationen av Alfa Laval Marine Customer Platform för ytterligare två produkter, ballastvatten och scrubbers. Den bygger på samma filosofi som den mycket framgångsrika Framo-kundportalen, som idag har 2 400 unika fartyg på plattformen. Dessa portaler inriktar sig på att hantera skick och service för de fysiska tillgångarna ombord på fartyg, och har byggts på en öppen arkitektur för att tillåta att andra leverantörer ansluter sig till vår plattform och på samma sätt tillåter våra data att användas på andra plattformar.”

Annual report 2024A · The company itself

“Scaling ALK for future growth is another priority which entails ongoing investments in digitalisation and AI, upskilling of employees, as well as initiatives to achieve economies of scale, for instance in procurement. We are equally committed to our sustainability goals.”

Annual report 2025A · The company itself

“We believe the security products industry will continue to benefit from several global macroeconomic trends, including: •Expected growth in global electronic and electromechanical products and solutions as end-users adopt newer technologies in their facilities and homes; •Heightened awareness of security and privacy requirements; •Increased focus and adoption of mobile technology; and •The shift to digital, interconnected and increasingly interoperable environments that require a strong ecosystem of partners.”

Annual report 2025A · The company itself

“Moreover, with the growing adoption of connected hardware and software solutions, security products – including credentials – are increasingly linked electronically, integrated into access control software and popular consumer technology platforms and controlled with mobile applications, creating additional functionality and complexity.”

Annual report 2025A · The company itself

“Sold under leading brands like Bricard®, CISA, ELATEC®, Interflex®, LCN, Schlage®, SimonsVoss® and Von Duprin; •Locks, locksets, portable locks, and key systems: A broad array of cylindrical, tubular and mortice door locksets, security levers and master key systems that are used to protect and control access and a range of portable security products, including bicycle, small vehicle and travel locks.”

Annual report 2025A · The company itself

“Skalbar plattform en grund för fortsatt tillväxt Alligo har byggt en integrerad organisation som kan skala upp i storlek och växa både organiskt och genom förvärv. Kostnadsstrukturen är anpassningsbar och genom funktioner som sortiment, inköp, logistik, ekonomi, IT och försäljning kan nya investe ringar samordnas och effektiviseras.”

Annual report 2024A · The company itself

“Telematics-based solutions Drivewise® Telematics-based program, available in 48 states and D.C. as of December 31, 2025, offered through the exclusive agency and direct channels, that uses a mobile application or an in-vehicle device to capture driving behaviors and encourage safe driving. It provides customers with information, tools and more accurate individual pricing.”

Annual report 2025A · The company itself

“Our strategy is to offer products that allow customers to interact with us when, where and how they want affordable, simple and connected protection products.”

Annual report 2025A · The company itself

“Samanaikaisesti digitaalisten palveluiden ja datavetoisen liiketoiminnan kasvu on lisännyt kuluttajien ja loppukäyttäjien tietosuojaan ja tietoturvaan liittyvien riskien merkitystä.”

Annual report 2025A · The company itself

“Yksityisyys ja tietosuoja: Yhtiön sidosryhmät odottavat yhtiön toiminnalta vaatimustenmukaisuutta. Tietosuojaloukkaukset voisivat johtaa seuraamuksiin, luottamuksen heikkenemiseen ja taloudellisiin menetyksiin.”

Annual report 2025A · The company itself

“Medialiiketoimintamme jatkaa hallittua siirtymää painetusta mediasta täysin digitaaliseen Alma Median strategia mediaan mahdollistaen skaalautuvan ja kannattavan kasvun.”

Annual report 2025A · The company itself

“Riski Riskin määritelmä Riskiä vähentävät toimet Henkilöstö ja osaaminen Kriittisen osaamisen osalta korostuu kyvykkyys hallita digitaalisten palvelujen, tietoturvan sekä data- ja tekoälyratkaisujen muutoksia ja käyttöönottoa.”

Annual report 2025A · The company itself

“Yhtiön tarkoitus (eng. Purpose) on kiihdyttää yksilöiden, yritysten ja yhteiskunnan kestävää kasvua. Kestävyyteen vaikuttavat strategian kulmakivet ovat yhtiön hiilijalanjälkeä pienentävä digitaalinen transformaatio, digitaalisten palveluiden kasvu ja skaalautuvuus.”

Annual report 2025A · The company itself

“Palveluiden omien rekisteröityjen käyttäjien sekä Alma-tunnuksen käytön määrän kasvattaminen.”

Annual report 2025A · The company itself

“Tuote- ja palvelukehityksessä hyödynnetään hallitusti tekoälyä palveluiden kilpailukyvyn ja käyttäjäkokemuksen parantamiseksi sekä riippuvuuden vähentämiseksi ulkoisista jakelukanavista.”

Annual report 2025A · The company itself

“Liiketoiminnan kehittäminen asiakastarve edellä. Digitaalisen liiketoiminnan kilpailukykyä ja datan hallintaa edistävät toimenpiteet.”

Annual report 2025A · The company itself

“Strategia Strategia, liiketoimintamalli ja arvoketju (SBM-1) Alma Median liiketoiminta koostuu digitaalisista markkinapaikoista, mediasta ja digitaalisista palveluista. Raportointisegmentit ovat Alma Career, Alma Marketplaces ja Alma News Media.”

Annual report 2025A · The company itself

“Alma Median pääasiallinen liiketoiminta koostuu digitaalisista palveluista, asiakkaina yksityisen sektorin yrityksiä Euroopassa.”

Annual report 2025A · The company itself

“In addition, technologies have been developed that make personalized ads more difficult, or that block the display of ads altogether, and some providers of online services have integrated technologies that could impair the availability and functionality of third-party digital advertising.”

Annual report 2025A · The company itself

“Google Search helps people find information and make sense of the world in more natural and intuitive ways, with trillions of searches on Google every year.”

Annual report 2025A · The company itself

“In October 2024, we announced the multi-phase Initiative, which is designed to enhance organizational speed, efficiency and effectiveness. The Initiative includes centralizing work, outsourcing certain transactional activities and streamlining, automating and standardizing processes across the enterprise.”

Annual report 2025A · The company itself

“our proprietary digital platform that powers performance across all four endoscopy areas”

Annual report 2025A · The company itself

“Open banking initiatives, including those promoted by governments and regulators, may result in a number of challenges to our business model, such as disintermediating us from our customers, steering customers away from our products and services or decreasing our attractiveness to partners.”

Annual report 2025A · The company itself

“Incorporating new technologies into our products and services, including developing the appropriate governance and controls consistent with regulatory expectations, requires substantial expenditures and takes considerable time, and may have unintended consequences or ultimately be unsuccessful. We expect that new technologies in the payments industry will continue to emerge, and these new technologies may be superior to, or render obsolete, our existing technology.”

Annual report 2025A · The company itself

“Finally, we seek to reimagine our customer and colleague experiences to drive innovation, improve productivity and efficiency and enhance customer satisfaction.”

Annual report 2025A · The company itself

“Our industry is subject to rapid and significant technological changes. In order to compete in our industry, we need to continue to invest in technology across all areas of our business, including in transaction processing, data management and analytics, AI & ML (including agentic commerce), customer interactions and communications, open banking and alternative payment and financing mechanisms (including related to digital currencies and blockchain technologies), authentication technologies and digital identification, tokenization, real-time settlement and risk management and compliance systems.”

Annual report 2025A · The company itself

“Technological advancements and innovation in the insurance industry, including those related to evolving customer preferences, the digitization of insurance products and services, data ingestion and exchange with trading partners, acceleration of automated underwriting, and use of AI and electronic processes present competitive risks. Technological advancements and innovation are occurring in distribution, underwriting, recordkeeping, advisory, marketing, claims and operations at a rapid pace, and that pace may increase, particularly as companies increasingly use data analytics and technology as part of their business strategy. If we are unable to effectively implement these technological advancements, including the use of AI, in a way that matches or exceeds our competitors, we may suffer competitive harm, which could adversely impact our reputation, results of operations and financial condition.”

Annual report 2025A · The company itself

“Further, additional costs have been and may in the future be incurred in order to implement changes to automate and digitize procedures critical to our distribution channels in order to increase flexibility of access to our services and products. While we seek opportunities to leverage technological advancements and innovation for our customers’ benefit, our business and results of operations could be materially and adversely affected if external technological advancements or innovation, or their regulation, limit our ability to retain existing business, write new business at adequate rates or on appropriate terms, or impact our ability to adapt or deploy current products as quickly and effectively as our competitors.”

Annual report 2025A · The company itself

“A significant part of our long-term strategic plan focuses on safety, operational excellence, cost and expense efficiency (including O&M expense efficiency), water quality and affordability, asset and capital management and the customer experience. For example, we have made and plan to continue to make significant investments in developing, deploying, integrating, enhancing and maintaining customer-facing technologies, applications to support field service and customer service operations, water source monitoring technologies, meter data management and analytics, and intelligent automation technologies.”

Annual report 2025A · The company itself

“Technology is an integral part of our business and operations, and any failure or disruption of the technology or related systems we implement, including as a result of a cyber incident, could significantly limit our ability to manage and operate our business effectively and efficiently, which, in turn, could cause our business and competitive position to suffer and adversely affect our results of operations. We use technology systems to, among other things, obtain meter readings, bill customers, process orders, provide customer service, and manage certain plant operations and construction projects, including systems to support environmental compliance, provide for the safety of the water distributed to customers, create and manage our financial records and other operational data, track assets, remotely monitor our plants and facilities, and manage human resources, supply chain, inventory, and accounts receivable collections.”

Annual report 2025A · The company itself

“Certain of our competitors offer web-based or mobile-based financial services and discount brokerage services, usually with lower levels of service, to individual clients, and we increasingly compete with various financial technology companies.”

Annual report 2025A · The company itself

“Enligt en nyligen publicerad rapport från Grand View Research förväntas marknaden för digitala pennor, elektroniska stylus-pekdon och tillbehör växa kraftigt fram till 2030, drivet av ökad digitalisering inom konsument- och företagssektorn.”

Annual report 2024A · The company itself

“KONCERNENS VERKSAMHET Anoto är den globala pionjären inom digital skrivteknik och specialiserar sig på att samla in analoga data från handskrift och teckningar som sömlöst omvandlas till digital form. Anoto grundades 1996 i Sverige och uppfann den digitala pennan samt utvecklade den globalt erkända punktmönstertekniken som fortfarande är hörnstenen i bolagets produktekosystem idag. Denna innovation – en egenutvecklad matris med exakta mikropunkter som trycks på papper – möjliggör korrekt återgivning och registrering av varje penndrag i realtid, samt omvandlar analog skrift och analoga teckningar till strukturerat digitalt innehåll.”

Annual report 2024A · The company itself

“Our profitability is highly dependent upon our ability to control our costs and improve our efficiency. As we adapt to changes in our business and the market, adapt to the regulatory environment, enter into new engagements, acquire additional businesses, and take on new employees in new locations, we may not be able to manage our large, changing workforce, effectively control our costs, or improve our efficiency.”

Annual report 2025A · The company itself

“In 2023, we initiated a three-year restructuring program, Accelerating Aon United Program (the “Program”). The Program is intended to streamline our technology infrastructure, optimize our leadership structure and resource alignment, and reduce our real estate footprint to align to our hybrid working strategy.”

Annual report 2025A · The company itself

“Accelerating Aon United Program In the third quarter of 2023, Aon initiated a three-year restructuring program called the Accelerating Aon United Program (the “Program” or the “AAU Program”) with the purpose of streamlining the Company’s technology infrastructure, optimizing its leadership structure and resource alignment, and reducing the real estate footprint to align to its hybrid working strategy. The Program includes technology-related costs to facilitate streamlining and simplifying operations, headcount reduction costs, and costs associated with asset impairments, including real estate consolidation and technology costs. The Program is an investment in our 3x3 Plan that brings the best of the firm through our Aon United strategy, delivered as Risk Capital and Human Capital, and our Aon Client Leadership model, powered by Aon Business Services.”

Annual report 2025A · The company itself

“Sverige har varit väl lämpat för e-handel av apoteksvaror tack vare en robust digital infrastruktur, inklusive möjligheten till digital identifiering (såsom BankID och Freja), en digital databas tillhandahållen av E-hälsomyndigheten samt en hög andel elektroniska recept (e-recept).”

Annual report 2024A · The company itself

“Genom att utveckla specialanpassade system och investera i automatiserad logistik har bolaget skapat en effektiv plattform för hållbar och lönsam expansion.”

Annual report 2024A · The company itself

“Med hjälp av våra specialanpassade system är det möjligt att expediera recept effektivare. På så sätt kan vi hjälpa fler kunder utan att kompromissa med kvaliteten.”

Annual report 2024A · The company itself

“The Company relies on the continued availability and development of compelling and innovative software applications for its products. The Company’s products and operating systems are subject to rapid technological change, and when third-party developers are unable to or choose not to keep up with this pace of change, their applications can fail to take advantage of these changes to deliver improved customer experiences, can operate incorrectly, and can result in dissatisfied customers and lower customer demand for the Company’s products.”

Annual report 2025A · The company itself

“Compliance with Government Regulation We are subject to various federal, state, and international laws and regulations that affect companies conducting business on mobile platforms, including with respect to intellectual property, securities, privacy, data protection, consumer protection, competition, tax, labor and employment, and commercial and other matters in the United States, Europe, and around the world. Additional laws and regulations relating to these areas likely will be passed in the future, and these or existing laws and regulations may be interpreted or enforced in new or expanded manners.”

Annual report 2025A · The company itself

“Our business also currently depends in part on the growth and evolution of the internet, especially mobile internet-enabled devices. The number of people using mobile internet-enabled devices has increased rapidly over time, and we expect that this trend will continue.”

Annual report 2025A · The company itself

“Additionally, under some open source licenses, if we combine our proprietary software with open source software in a certain manner, third parties may claim ownership of, a license to, or demand release of, the open source software or derivative works that we developed using such software, which could include our proprietary source code. Such third parties may also seek to enforce the terms of the applicable open source license through litigation which, if successful, could require us to make our proprietary software source code freely available, purchase a costly license, or cease offering the implicated products or services unless and until we can re-engineer them to avoid infringement.”

Annual report 2025A · The company itself

“Our information technology systems and our pace of adoption of new technologies, including AI, may not be adequate to meet the demands of our customers or impact negatively our ability to compete with our peers.”

Annual report 2025A · The company itself

“As part of its broader strategy, the Company is focused on operational excellence and driving targeted cost reductions. The Company has implemented plans to improve the performance of its manufacturing and production facilities, increase operating leverage within the Nutrition segment, and reduce third party spend and selling, general, and administrative expenses.”

Annual report 2025A · The company itself

“”Digitala verktyg och plattformar, samt för vissa områden även artificiell intelligens, spelar en viktig roll inom hälso- och sjukvården. Vi arbetar löpande med att utvärdera hur dessa kan användas för att öka koncernens produktivitet såväl som bidra till ökad kundnytta.””

Annual report 2024A · The company itself

“Arjo Insight är ett evidensbaserat analysverktyg som hjälper vårdgivare att främja rörlighet bland vårdtagare, skapa säkrare arbetsmiljö för vårdpersonal, och effektivisera arbetsflöden. Efter kartläggning av en vårdenhet identifieras risker, och verktyget används för att ge en rekommendation kring vilken utrustning som behövs för att leva upp till gällande standarder och minska risken för exempelvis belastningsskador eller försämrad vårdkvalitet.”

Annual report 2024A · The company itself

“Our future success depends, in part, on our ability to collect and leverage data relating to our business and otherwise anticipate and respond effectively to the risks and opportunities presented by digital disruption, “big data” and data analytics, AI and other developments in technology.”

Annual report 2025A · The company itself

“Lönsamhet Skadefrekvens Koldioxidavtryck Tillväxt Innovation Årlig tillväxt genom en kombination av organisk och förvärvad tillväxt över en konjunkturcykel 10% Omsättning från produkter som lanserats under de senaste tre åren 25% Minskat antal skador per miljoner arbetade timmar fram till 2025 jämfört med 2019 Minskat absoluta Scope 1 & 2 koldioxid utsläpp fram till 2025 jämfört med 2019 –33% –25% Rörelsemarginal över en konjunkturcykel 16–17% Våra mål 1 ASSA ABLOY | ÅRSREDOVISNING 2024 Inledning Vilka vi är ASSA ABLOY som investering Divisionsöversikt Förvaltningsberättelse Finansiella rapporter ladda ner pdf för utskrift här Innehåll Förvaltningsberättelse”

Annual report 2024A · The company itself

“Vårt VoC-program (Voice of the Customer) som leds av den kommersiella direktören omfattar nyckeltalet Net Promoter Score (NPS) och alla divisioner använder NPS® alltmer och kompletterar det med kvalitativa undersökningar av kundupplevelsen.”

Annual report 2024A · The company itself

“Failure to collect and manage data or AI in line with legal and regulatory requirements and strategic objectives There is an increasing range of legislative and regulatory requirements to manage data across all countries where we conduct business such as restricting the movement of data between countries or how we make use of new technological capabilities such as AI. Failure to protect data effectively or the inappropriate use of technologies such as AI may lead to competitive disadvantage and/or loss of trust from key stakeholders, including patients, and prevent us from reaching our strategic objectives. In addition, failure to identify, prioritise and scale the appropriate AI opportunities may limit our ability to realise the benefits of AI in support of our strategic objectives.”

Annual report 2025A · The company itself

“Legacy voice and data service revenues decreased in 2025, reflecting the continued decline in demand for these services in favor of other technologies, such as wireless and fiber services.”

Annual report 2025A · The company itself

“Business strategy Atea’s business strategy is to act as a full-service IT infrastructure partner for its customers - enabling its customers to successfully pursue their digital transformation initiatives and manage the increasing complexity of their IT environments.”

Annual report 2024A · The company itself

“In order to earn a position as a trusted IT partner, Atea provides a complete range of IT infrastructure solutions, with a highly trained service team to support its customers in capturing maximum value from their IT investments.”

Annual report 2024A · The company itself

“We offer a complete range of IT infrastructure products and services to make sure our customers succeed with the use of information technology.”

Annual report 2024A · The company itself

“For activity CE 4.1, provision of IT/OT data-driven solutions, the substantial contribution criteria are partially fulfilled. Atea meets the criteria for manufacturing, developing, and providing IT/OT data-driven solutions (Criteria 1) and for lifecycle performance management software capabilities (Criteria 7).”

Annual report 2024A · The company itself

“To achieve this objective, the Group focuses on innovation and execution of the following key strategies: • Endeavour stable production with optimal parameters towards fish quality and welfare. • Continuous identification, investment, and implementation of risk mitigation strategies in all areas of its business. • Promote environmental sustainability, efficiency, and cost reduction opportunities by developing integrated facilities in the market. • Capitalize on consumer trends and branding towards premium, healthy, and sustainable products. • Partner in vertical integration opportunities including value-added products, genetics, feed, renewable energy, sustainable packaging, and oxygen production. • Continue the development and protection of patents and other intellectual property rights related to our Bluehouse facilities.”

Annual report 2024A · The company itself

“In our resilient service business, we seek to perform more service on a higher share of the installed base of equipment and extend our service offering by giving customers new insights supported by connected products.”

Annual report 2024A · The company itself

“Products are designed internally, and research and development expenditures correspond to about 4% of total revenues.”

Annual report 2024A · The company itself

“By maintaining a focus on connected products Organic*, % +2 +5 * Volume, price and mix 25.2% 85% and data analytics, the business area enhanced its ability to assist customers with service.”

Annual report 2024A · The company itself

“GENERAL We are a global leader in 3D design, engineering and entertainment technology solutions, spanning architecture, engineering, construction, product design, manufacturing, media, and entertainment.”

Annual report 2026A · The company itself

“•Tandem Tandem is a cloud-based platform that transforms the built asset lifecycle. Tandem helps AECO firms harness BIM data throughout the project lifecycle to create and hand over a digital twin. Tandem helps owners connect operational systems to the digital twin, turning fragmented data into business intelligence.”

Annual report 2026A · The company itself

“Manufacturing (“MFG”) •Fusion Fusion is the first 3D CAD, CAM, and computer-aided engineering (“CAE”) tool of its kind. It connects the entire product development process on a single cloud-based platform.”

Annual report 2026A · The company itself

“In addition, our future success will depend on, among other factors, our ability to attract, develop, and retain other qualified personnel, particularly engineers and other employees with software and technical expertise.”

Annual report 2024A · The company itself

“The APS, based on the goals of improving quality and efficiency, is at the core of Autoliv’s manufacturing philosophy. APS integrates essential quality elements, such as mistake proofing, statistical process control and operator involvement, into the manufacturing processes so all Autoliv associates are aware of and understand the critical connection between themselves and the Company's lifesaving products.”

Annual report 2024A · The company itself

“Although we believe we compete effectively, our competitors may have greater financial resources allowing them to invest more in their business, greater sourcing capabilities allowing them to sell merchandise at lower prices, larger stores with more merchandise, longer operating histories with deeper customer relationships, more frequent customer visits, more effective advertising and more successful utilization of data analytics, artificial intelligence and other new and emerging technologies. Online and multi-channel retailers often have lower operating costs and focus on delivery services, thereby offering customers faster, guaranteed delivery times and low-price or free shipping.”

Annual report 2025A · The company itself

“With the increasing use of digital tools, our customers often begin their shopping experience online and are quickly able to compare prices, product assortment, product availability and feedback from other customers before purchasing products. We may be unable to differentiate ourselves or unable to anticipate and adapt to new or enhanced digital experiences offered by other retailers.”

Annual report 2025A · The company itself

“Innovation, Skalbarhet & Effektivitet Vår produktutveckling styrs av kundfokus och att vara lyhörda inför våra kunders behov och önskemål. Alla medarbetare är potentiella produktutvecklare även om utvecklingen är delegerad till autonoma team med tvärfunktionella kompetenser och hög expertis inom sina områden. Detta tillsammans med en modern teknikplattform möjliggör en svårslagen innovationstakt och simultan utveckling i samtliga kanaler.”

Annual report 2024A · The company itself

“För att behålla vårt kostnadsledarskap behöver vi säkerställa att vi hela tiden arbetar med operationella förändringar som förfinar våra processer. Vi behöver också lägga mer fokus på att bli lika digitala internt som vi är externt mot våra kunder.”

Annual report 2024A · The company itself

“Under 2024 har vi hållit en hög utvecklingstakt och bland annat lanserat utökad rapportdata på bolag, en separat analyssida med historiska nyckeltal, utökad möjlighet till avancerad teknisk analys och förbättrad marknadsdata på börshandlade fonder. Vi har också förbättrat möjligheterna till algoritmisk orderläggning. Funktioner som efterfrågats av kunder och som tagits emot väl, vilket är det som i förlängningen skapar kundvärde och högt engagemang.”

Annual report 2024A · The company itself

“Vi genomför kundintervjuer, gör användartester samt tittar på kundfeedback. Vi går också igenom kvantitativa data på hur kunder interagerar med sidan eller funktionen och genomför strukturerad A/B-testning. Vid större förändringar lägger vi ut en betaversion för ett mindre antal kunder för att få återkoppling i verklig miljö och för att sedan kunna göra ytterligare anpassningar och justeringar.”

Annual report 2024A · The company itself

“Vi strävar alltid efter att vara så nära våra kunder som möjligt och har hög närvaro på sociala medier. Vi kommunicerar dagligen via X, Facebook, Instagram, YouTube och TikTok.”

Annual report 2024A · The company itself

“Research, Development and Innovation As a global leader in materials science, we innovate to develop and introduce new products and solutions that help customers solve some of the most complex problems in the industries we serve. These include optimizing supply-chain and labor efficiency, reducing waste and mitigating loss, advancing sustainability, circularity and transparency, and helping brands and consumers to better connect.”

Annual report 2025A · The company itself

“Our trusted network seamlessly integrates software and hardware with a range of connected devices, including TASER energy devices, cameras and sensors, drones and robotics, cloud-based evidence management, records management, real-time operations software, critical incident and emergency response systems, immersive training, and productivity tools – all enhanced by artificial intelligence (“AI”).”

Annual report 2025A · The company itself

“•Personal Sensors: Axon devices address many needs, including transparency, real-time situational awareness, and accurate capture and integration of evidence with software workflows. Product categories within personal sensors include Axon Body cameras and accessories.”

Annual report 2025A · The company itself

“Efter en period av återhållsamhet förväntas nu företag åter igen att satsa på IT- och konsulttjänster. Digitalisering och automatisering står fortsatt högt på agendan, särskilt inom finans, sjukvård och offentlig sektor där efterfrågan på specialistkompetens ökar.”

Annual report 2024A · The company itself

“Our success depends partially on our ability to improve production processes and services. We must also introduce new products and services to meet changing customer needs. If we are unable to implement better production processes or to develop new products through research and development or licensing of new technology, we may not be able to remain competitive with other manufacturers.”

Annual report 2025A · The company itself

“With a growth mindset and by pursuing operational excellence, we lean on our competitive strengths to reach our financial goals. We are focused on maintaining our strong financial position by listening to and partnering with our global customers, delivering operational efficiencies and an innovative product portfolio from our best-in-class manufacturing facilities and returning value to shareholders via share repurchases and dividends.”

Annual report 2025A · The company itself

“Development costs increased by DKK 35m to DKK 375m. Incurred development costs increased by DKK 28m to DKK 396m, partly offset by increased capitalisation driven by our product and software road map.”

Annual report 2026A · The company itself

“From acoustics and material selection to software and connected experiences, product development combines technology, craftsmanship and long-standing design principles across teams. Decisions made during development can influence product longevity, repairability, energy use and client experience over time.”

Annual report 2026A · The company itself

“In order to successfully introduce or monetize new and existing products and services, we must commit substantial funds and other resources to R&D and other innovation initiatives, which ability may be negatively impacted by our current leverage levels. See “Our significant indebtedness requires us to use a substantial amount of our cash flow for debt service and constrains our ability to pursue growth strategies and advance our R&D capabilities” above.”

Annual report 2025A · The company itself

“Implementation of New Operating Model In the third quarter of 2023, we completed the implementation of a new operating model intended to simplify and streamline our operations and better align our manufacturing and supply chain to our commercial activities. Under this operating model, our business is currently comprised of three reportable segments: Medical Products & Therapies, Healthcare Systems & Technologies, and Pharmaceuticals (each discussed below).”

Annual report 2025A · The company itself

“Healthcare Systems & Technologies Our Healthcare Systems & Technologies segment includes sales of our connected care solutions and collaboration tools, including smart bed systems, patient monitoring systems and diagnostic technologies, respiratory health devices and advanced equipment for the surgical space, including operating room integration technologies, precision positioning devices and other accessories.”

Annual report 2025A · The company itself

“Under året har stor vikt lagts på att förbereda införandet av nytt affärssystem, som kommer implementeras under 2025.”

Annual report 2024A · The company itself

“BE Group erbjuder också materialrådgivning, logistiklösningar och tidsbesparande IT-tjänster som bland annat inkluderar e-handel, EDI, digitala aviseringar, koppling till Monitor ERP och elektroniska fakturor.”

Annual report 2024A · The company itself

“In order to remain competitive in the industries in which it operates and to boost supply reliability and productivity, BD continues to make investments in R&D, quality management, quality improvement, product innovation, manufacturing and supply chain.”

Annual report 2025A · The company itself

“Beijer Ref har på senare år genomfört en digital transformation med syfte att effektivisera processer och utveckla försäljning i digitala kanaler. Genom att konsolidera affärsstödsystem stöttar koncernen dotterbolagen i att effektivisera leveranskvaliteten och minska kostnader.”

Annual report 2024A · The company itself

“Ökad effektivitet genom digitalisering Beijer Ref har under senare år arbetat med implementeringen av koncerngemensamma affärssystemplattformar (ERP) för att effektivisera inköp och lagerhållning. Plattformarna fångar in, analyserar och bearbetar data längs hela försörjningsledet med hjälp av avancerade algoritmer och tillämpbar mjukvara.”

Annual report 2024A · The company itself

“För ett par år sedan accelererade koncernen sin strategiska satsning på att digitalisera verksamheten med syfte att effektivisera processer och utveckla försäljning även i de digitala kanalerna. Transformationen bygger på en central digitaliseringsstrategi, vilket innebär att dotterbolagen kan fokusera mer på sin kärnverksamhet medan koncernen stöttar med digital strategisk riktning, val av globala plattformar samt stöd vid implementering och underhåll av centrala plattformar och verktyg.”

Annual report 2024A · The company itself

“Ett viktigt steg har varit att starta konsolidering av dotterbolagen i gemensamma affärssystemplattformar (ERP) som är grupperade efter regioner. På så vis effektiviseras inköp, logistik och försäljning samt drift av affärssystemen.”

Annual report 2024A · The company itself

“Samtidigt har det varit stort fokus på utveckling av en global masterdataplattform som hanterar koncernens produktdata på ett systematiskt och effektivt sätt. Genom att säkerställa korrekt och uppdaterad information om koncernens produktportfölj uppstår nya möjligheter att driva utvecklingsprojekt inom effektivisering, digitala verktyg, e-handel och AI.”

Annual report 2024A · The company itself

“Globalisering och snabb teknikutveckling driver strukturförändringar ikundledet vilket kan leda till att efterfrågan på Berner Industriers produkter eller tjänster antingen ökar eller försvinner genom till exempel sammanslagningar och utflyttning. En snabb teknikutveckling kan leda till att kundernas efterfrågan på produkter och lösningar skiftar till nya varianter, som inte tidigare varit tillgängliga.”

Annual report 2024A · The company itself

“Därför är vidareutvecklingen av den egna teknikplattformen ett av bolagets mest prioriterade områden.”

Annual report 2024A · The company itself

“The launch of Playbook, our AI-powered betting solution, and the rollout of our AdTech platform Ad- Vantage further extend our technological edge and open new avenues for monetization.”

Annual report 2025A · The company itself

“Dessutom kan onlinebaserade återförsäljare, som bland annat inte är begränsade av fysiska produktkataloger, tillämpa dynamisk prissättning baserat på utbud och efterfrågan.”

Annual report 2024A · The company itself

“Immateriella rättigheter Riskbeskrivning BICO är beroende av immaterialrättsligt skydd för att kunna bedriva utveckling, marknadsföring och försäljning utan hämmande konkurrens. Om skyddet av de immateriella rättigheter, företagshemligheter och andra immateriella tillgångar som koncernen är beroende av visar sig vara otillräckligt kommer koncernens möjligheter att kommersialisera sina produkter, och kanske även dess förmåga att uppnå lönsamhet i verksamheten, att påverkas negativt.”

Annual report 2024A · The company itself

“To further advance our R&D capabilities, we acquired full ownership of LetSea, Norway’s largest experimental and research centre for aquaculture, providing us with further access to unique, large-scale facilities for commercial testing in real-life seawater conditions.”

Annual report 2025A · The company itself

“Our global R&D headquarter in Norway drives an ambitious product pipeline together with the three feed business segments for Salmon, Shrimp and Selected Species. The actual trials take place close to the major aquaculture markets.”

Annual report 2025A · The company itself

“We commit to leverage our position in the value chain being instrumental driving research, investments and commercialisation efforts, making it possible to adopt next generation ingredients, functional feed solutions and farming technologies, while embedding innovation and sustainability into our commercial value proposition.”

Annual report 2025A · The company itself

“Engineering Services Business Segment Strategy 2026–2028 With digitalization, secure IoT (Internet of Things) is a significant development area in almost all industries. IoT demand is driven by companies' growing need to digitize their operations, collect data wirelessly, transfer data to the internet and cloud services, and monitor and control devices and systems remotely.”

Annual report 2025A · The company itself

“BlackRock also offers technology and subscription services, including the investment and risk management technology platform, Aladdin®, Aladdin WealthTM, eFront®, Preqin, and Cachematrix®, as well as advisory services and solutions to a broad base of institutional and wealth management clients.”

Annual report 2025A · The company itself

“TECHNOLOGY SERVICES AND SUBSCRIPTION BlackRock offers investment management technology systems, risk analytics, private markets data subscriptions, investment accounting services and wealth management tools on a fee basis. Aladdin Enterprise is the Company's proprietary technology platform, providing an end-to-end, investment and risk management solution for both BlackRock and a growing number of institutional investors around the world.”

Annual report 2025A · The company itself

“Through the Company's Cachematrix platform, BlackRock is also a leading provider of financial technology which simplifies the cash management process for banks and their corporate clients in a streamlined, open-architecture platform.”

Annual report 2025A · The company itself

“Competition is based on a number of factors including, among others, customer service and convenience, transaction execution, capital or access to capital, quality and range of products and services offered, performance, technological innovation and expertise, including adaptation to technological change, price, reputation and lending limits.”

Annual report 2025A · The company itself

“Teknologiska beroenden: Framgången för våra affärsplaner är beroende av snabba framsteg inom digitalisering och automatisering.”

Annual report 2024A · The company itself

“Smältverket i Kokkola är en föregångare inom automatisering och digitalisering och robotar används i olika uppgifter i företagets zinkproduktion.”

Annual report 2024A · The company itself

“Personlig anpassning är en annan viktig trend som formar framtidens e-handel. Konsumenter förväntar sig numera skräddarsydda köpupplevelser som avspeglar deras personliga smak.”

Annual report 2024A · The company itself

“Skräddarsydd teknologi Boozts tekniska infrastruktur är utvecklad internt, vilket särskiljer oss från många branschkollegor i e-handelsbranschen. Denna äganderätt säkerställer full kontroll över prestanda, skalbarhet och innovation, och gör att Boozt snabbt kan anpassa verksamheten efter marknadens krav och kundernas behov.”

Annual report 2024A · The company itself

“En av styrkorna i Boozts teknologiplattform är att den kan använda data- och maskininlärningsalgoritmer för att optimera verksamhetsprocesser och göra köpupplevelsen personligt anpassad. Genom att använda data till att förutspå trender, optimera lagret och lämna mycket relevanta produktrekommendationer förbättrar vi den övergripande köpupplevelsen. Denna personliga anpassning främjar kundlojaliteten, förbättrar konverteringsgraderna och ökar engagemanget.”

Annual report 2024A · The company itself

“Förtroende, frihet och ansvar Grunden till Boozts framgång ligger i företagskulturen, en kultur som värdesätter innovation, ansvar och kundfokus. På Boozt uppmuntrar vi tankesättet Care-Why och uppmanar de anställda att ifrågasätta det rådande läget, tänka kritiskt och ta kommandot över sitt arbete.”

Annual report 2024A · The company itself

“We continue to develop digital tools and technologies that enable us to compete more effectively and deliver first class remote physician education, drive deeper patient engagement and increase digitally-enabled sales force productivity.”

Annual report 2025A · The company itself

“Maverick Culture Integration Inspirerade av Mavericks approach har vi omfamnat en kultur av förvandling och innovation. Våra team har mandat att äga ansvaret för sitt arbete och driva förändring genom tvärfunktionellt samarbete.”

Annual report 2024A · The company itself

“Utveckling Produktutvecklingen är en central och prioriterad del av Boules verksamhet. Boules övergripande produktutvecklingsstrategi är inriktad på nyutveckling av användarvänliga, pålitliga och högkvalitativa system baserad på en egen teknologiplattform samt att tillsammans med OEM-kunder utveckla förbrukningsvaror vilka Boule sedan kan kontraktstillverka för kunden.”

Annual report 2024A · The company itself

“Den pågående elektrifieringen och digitaliseringen i samhället är ett område där Bravida satsat stort och där vi lyckats stärka vår marknadsposition.”

Annual report 2024A · The company itself

“Tydliga trender som påverkar marknaden är att det investeras i säkerhet och infrastruktur samt att fastigheter digitaliseras.”

Annual report 2024A · The company itself

“Ökad kontroll och service genom smart digitalisering Brinova har de senaste åren infört och implementerat ett digitaliserat gemensamt fastighetssystem med en rad moduler. Felanmälan, teknisk förvaltning med digitala arbetsordrar, delar av underhållsarbetet, systematiskt brandskydd och ronderingar som ger bättre kontroll. Ekonomisk förvaltning, med en modul som säkerställer att intäkter och kostnader matchas är ett annat exempel. Ett ytterligare exempel är att besiktningsarbetet vid hyresgästbyten är digitaliserat.”

Annual report 2024A · The company itself

“Frequent technological changes, new products and services and evolving industry standards are influencing the insurance business. The internet, for example, is increasingly used to securely transmit benefits and related information to customers, operate our day-to-day activities, and to facilitate business-to-business information exchange and transactions.”

Annual report 2025A · The company itself

“We are continuously taking steps to upgrade and expand our information systems capabilities, including how we electronically interact with our customers, vendors, insurance carriers and other intermediaries. Maintaining, protecting and enhancing these capabilities to keep pace with evolving industry and regulatory standards, and changing customer preferences, requires an ongoing commitment of significant resources.”

Annual report 2025A · The company itself

“Our competitors may respond to industry and economic conditions and shifts in consumer behaviors more rapidly or effectively than we do. To remain competitive, we must be agile and efficient in adopting digital technologies and building analytical capabilities, which our competitors may be able to achieve with more agility and resources.”

Annual report unknown yearA · The company itself

“Our strategy is to continue to innovate and develop our omni-channel offerings – a hybrid business strategy, embracing the human touch in physical and digital touchpoints and securing efficiency, flexibility and scalability via digitalised stores and harvesting the best of two worlds.”

Annual report 2025A · The company itself

“The most important thing for AO's future competitiveness is the employees. · IT plays a decisive role in AO's transformational power. It is crucial that AO has an IT landscape that is agile, scalable and future-proof, so that we can use as many resources as possible on development rather than operation. · AO has a strong balance sheet and a robust capital structure, enabling AO to resist headwind and to seize opportunities.”

Annual report 2025A · The company itself

“Det finns inget annat förhållningssätt än att omfamna förändringen, leva med den och ta vara på de möjligheter den för med sig.”

Annual report 2024A · The company itself

“De tre kategorierna bestårav: Bolag med hög potentiell avkastning Bolag med ett IRR över 20 procent, med möjlighet att flerdubblas. Bolagen kännetecknas av hög tillväxt och nytekno logi och är ofta mindre entreprenörsledda bolag.”

Annual report 2024A · The company itself

“I hovedtrekk vil Byggma allokere sine investeringer mot digitalisering og automasjon i produksjonsprosessene, samt miljø- og bærekraft.”

Annual report 2024A · The company itself

“Digital innovation och pappersläsningens styrka Trots att pappersläsningen minskar generellt, har Mitt i lyckats bibehålla eller till och med ökat sin räckvidd – särskilt digitalt. Med initiativ som lokala nyhetsbrev, personaliserat innehåll på webben och AI-styrd optimering av nyhetsspridning möter de läsarna där de befinner sig. – Våra nyhetsbrev är ett bra exempel.”

Annual report 2024A · The company itself

“Vi investerar kontinuerligt i forskning och utveckling för att ytterligare förbättra våra produkter när det gäller precision, användarvänlighet och integration.”

Annual report 2024A · The company itself

“Under 2024 fortsatte vi att expandera vår produktportfölj med fokus på integration och kompatibilitet.”

Annual report 2024A · The company itself

“Proprietary Information Technology and Intellectual Property Our technology is driving digital transformation in our industry and brings the value of Lean AI, machine learning, data science, and analytics to our customers to help solve their most complex logistics challenges. With approximately 800 technologists across product, data, engineering, and AI, we continue to make smart, talent-focused investments globally in this critical area and continue to build the next generation of tools and processes that are creating smarter, faster, better supply chains.”

Annual report 2025A · The company itself

“The Company's research and development efforts focus on advancing fleet capabilities and developing innovative solutions to optimize offshore wind operations. Continued investment in research and development strengthens The Company’s competitive position, enhances efficiency, and ensures alignment with evolving customer needs.”

Annual report 2025A · The company itself

“Consumers expect robust digital experiences from their financial services providers. The ability for customers to access their accounts and conduct financial transactions using digital technology, including mobile applications, is an important aspect of the financial services industry, and financial institutions are rapidly introducing new digital and other technology-driven products and services that aim to offer a better customer experience and to reduce costs.”

Annual report 2025A · The company itself

“In addition, our ongoing investments in technology may increase our expenses. As our business develops, changes or expands, additional expenses can arise as a result of a reevaluation of business strategies or risks, management of outsourced services, asset purchases or other acquisitions, structural reorganization, compliance with new laws or regulations, the integration of newly acquired businesses or the prevention or occurrence of cyber-attacks and other security incidents.”

Annual report 2025A · The company itself

“A key part of our strategic focus is the development and use of efficient, flexible computer and operational systems, such as cloud or artificial intelligence (“AI”) technologies. We believe that the continued adoption, development and integration of these technologies is an important part of our efforts to reduce costs, improve quality and security and provide faster, more flexible technology services.”

Annual report 2025A · The company itself

“•If we are not able to invest successfully in and introduce digital and other technological developments across all our businesses, our financial performance may suffer. •We may fail to realize the anticipated benefits of our mergers, acquisitions and strategic partnerships. •Reputational risk and social factors may impact our results and damage our brand. •If we are not able to protect our intellectual property rights, or we violate third-party intellectual property rights, our revenue and profitability could be negatively affected. •Our risk management strategies may not be fully effective in mitigating our risk exposures in all market environments or against all types of risk. •Our business could be negatively affected if we are unable to attract, develop, retain and motivate key senior leaders and skilled employees.”

Annual report 2025A · The company itself

“If we are not able to invest successfully in and introduce digital and other technological developments across all our businesses, our financial performance may suffer. Our industry is subject to rapid and significant technological changes, including due to the increasing development and use of AI, and our ability to meet our customers’ needs and expectations is key to our ability to grow revenue and earnings.”

Annual report 2025A · The company itself

“Risker relaterade till teknisk utveckling Den pågående digitala transformationen inom hälso- och sjukvårdssektorn skapar ökad efterfrågan på kostnadseffektiva och innovativa teknologier, inklusive lösningar som använder artificiell intelligens (AI) och dataanalys. Carasent behöver anpassa sina produkter till denna utveckling för att behålla sin konkurrenskraft. Misslyckas Carasent med att implementera ny teknik eller möta marknadens krav, finns risken att företagets lösningar ersätts av mer avancerade alternativ från konkurrenter.”

Annual report 2024A · The company itself

“Parallellt med marknadsexpansionen ägnade vi betydande resurser åt produktinnovation. Vi lanserade eller avancerade nyckelfunktioner i hela vår portfölj, såsom e-remiss och ny kirurgisk funktionalitet i Webdoc (pilotprojekt i början av 2025), en uppdaterad Ad Opus Web och pågående förbättringar av Medrave, Metodika och Ad Curis.”

Annual report 2024A · The company itself

“Carasent är en helhetsleverantör som erbjuder molnbaserade EHR-lösningar och plattformtjänster för olika verksamheter inom hälso- och sjukvårdssektorn. Med Webdoc som den ledande produkten, erbjuder Carasent ett brett ekosystem av tjänster, inklusive lösningar för patientkommunikation och affärsintelligens.”

Annual report 2024A · The company itself

“Carasents mission är att driva effektivitet och kvalitet inom hälso- och sjukvården. Bolagets produktportfölj omfattar digitala journalsystem (EHR-programvara) och andra affärskritiska verktyg och tjänster (plattformstjänster) som minskar onödig administration och effektiviserar vårdflöden genom digitalisering och automatisering.”

Annual report 2024A · The company itself

“Our ability to compete effectively is increasingly dependent on access to and interpretation of data, and we may provide services that involve hosting customer data and operating software on third-party or our own systems.”

Annual report 2026A · The company itself

“For example, we are currently in the process of implementing a number of new Enterprise Resource Planning technologies across our organization.”

Annual report 2026A · The company itself

“We also accelerated our digital transformation.”

Annual report 2025A · The company itself

“Carlsberg faces rapidly evolving changes across technology adoption and artificial intelligence, e-commerce and digital marketing. Failure to respond and adapt could reduce efficiency, limit competitiveness and hinder growth opportunities.”

Annual report 2025A · The company itself

“We also accelerated our digital transformation. We launched our first global IT capability centre in Gurugram, India, which will serve as a talent engine for growth and help us scale innovation across the Group.”

Annual report 2025A · The company itself

“In 2025, we continued our long-term investments in key brands and capabilities, including in areas such as digital, marketing, e-commerce and value management.”

Annual report 2025A · The company itself

“In 2025, we launched Servd, our next-generation eB2B ordering platform, built to meet the evolving needs of our customers as they move from offline to online ordering – delivering simplicity, speed and an intuitive digital experience.”

Annual report 2025A · The company itself

“We took field sales execution to the next level with the launch of our One Metric portal, which transforms real shelf data and image recognition into actionable insights, offering comprehensive reporting, trend spotting and real-time monitoring, unlocking stronger sales execution for our 6,000 sales representatives, who make 19 million visits annually across 29 markets.”

Annual report 2025A · The company itself

“Beginning with product design, our product offerings are moving towards digitally-enabled solutions that connect us to our customers throughout the product’s full lifecycle and help us grow our aftermarket sales. We plan to meet our customer’s needs by offering a wider-range of aftermarket products and services including replacement components, preventative and on-demand maintenance and repair, digital monitoring and modifications/upgrades.”

Annual report 2025A · The company itself

“Table of Contents We continue to actively manage and strengthen our business portfolio to meet the current and future needs of our customers. This is accomplished through research and development activities with a focus on new product development and new technology innovation as well as sustaining activities with a focus on improving existing products and reducing production costs. We also pursue potential acquisitions to complement existing products and services to enhance our product portfolio.”

Annual report 2025A · The company itself

“For example, we depend in part on internet search engines, lead generators, automotive finance partners, social networking sites, AI tools, and vehicle listing sites to drive traffic to our website and mobile application and our competitors may increase their search engine optimization efforts and outbid us for search terms on various search engines, use their political influence and increase lobbying efforts, or align with Internet search engine providers to receive a higher search result page ranking than ours. Any reduction in the number of users directed to our website and mobile application through internet search engines, lead generators, automotive finance providers, social networking sites, AI tools, or vehicle listing sites, could harm our business and operating results.”

Annual report 2025A · The company itself

“Purpose-Built Vertically Integrated E-commerce Platform We believe our proprietary technology and vertically integrated business model allow us to enjoy a significantly lower variable cost structure versus traditional dealerships and to provide substantial value to our customers by providing a seamless, best-in-class car buying and selling experience. Our vertically integrated platform gives us control of all critical operations and transaction elements to allow us to facilitate a fast, simple, and consistent user experience.”

Annual report 2025A · The company itself

“Technology Our business is driven by data and technology at all stages of the sale process, from inventory purchasing, reconditioning, photography, and annotation through online merchandising, sales, automobile financing, trade-ins, logistics, and delivery.”

Annual report 2025A · The company itself

“The Company offers the Casey's Rewards program to bring value to guests and improve the digital guest experience. As part of this program, guests can earn points from online, in-store, or at-the-pump purchases.”

Annual report 2026A · The company itself

“Emerging technologies, alternative settlement mechanisms, and 24-hour trading may also affect our traditional business models. For example, the adoption of tokenization or other emerging settlement technologies that enable self-clearing may reduce demand for traditional clearing services. New or existing competitors may also develop products or technologies that provide similar economic exposure or functionality to our existing offerings through different mechanisms, which may reduce demand for our products.”

Annual report 2025A · The company itself

“Self-services for citizens and companies including embedded AI functions”

Annual report 2025A · The company itself

“This included investments into further developing the F2 ServiceBuilder. The F2 ServiceBuilder is a key enabler for establishing a partner channel. It supports customers in rapid workflow automation while ensuring full data and process sovereignty.”

Annual report 2025A · The company itself

“Over the past two years, cBrain has invested significantly in the F2 ServiceBuilder, which now enables scalable partner-led delivery and global reach without proportional growth in internal capacity.  Expanding business across the existing customer base, driven by AI-enabled process automation and sovereignty.”

Annual report 2025A · The company itself

“Ready to use out of the box, F2 is configured - rather than custom-built - to meet customer-specific legal, organizational, and process requirements, without modifying the standard software. This ensures fast deployment, lower implementation risk, and long-term sustainability.”

Annual report 2025A · The company itself

“Ett fokusområde är att stödja övergången till digitala och hållbara vårdtjänster.”

Annual report 2024A · The company itself

“Some of the technologies supporting the industries we serve are changing rapidly and increasing in complexity. New technologies will emerge or evolve that may deliver superior capabilities to, or may not be compatible with, some of our existing technologies, and may require us to make significant investments so that we can continue to provide cost-effective and reliable technology solutions to support energy production and delivery.”

Annual report 2025A · The company itself

“We are committed in our efforts to reduce the timeline to develop, safe and innovative new treatments for patients who desperately need them. To progress this forward, we strive to understand the true challenges that can slow drug research and development and re-imagine the way we work and collaborate to create digitally native solutions that improve efficiency, accelerate processes and enable automated, data driven outcomes.”

Annual report 2025A · The company itself

“By partnering with Charles River, we believe our clients can take advantage of efficiencies in both their early-stage research and translational activities that can result in months saved in getting a drug to market. In the aggregate, we believe that the evolving large biopharmaceutical R&D business model along with our focus on data and digitalization will make our integrated offerings and expertise essential for clients focused on greater efficiency and cost effectiveness.”

Annual report 2025A · The company itself

“In recent years, we have been updating and consolidating platforms and automating processes in many parts of our business with a variety of systems, including in connection with the integration of acquired businesses. Continued expansion and ongoing implementation of operational systems may occur at a future date based on value to the business. In general, the process of planning and preparing for these types of integrated, wide-scale implementations is extremely complex and we are required to address a number of challenges, including information security assessment and remediation, regulatory requirements, data conversion, associated regulatory compliance, network and system cutover, user training, data residency, high availability, disaster recovery, latency, backups, archiving, cloud offerings, and integration with existing processes or systems.”

Annual report 2025A · The company itself

“Professional services expense increased in 2025 compared to 2024, reflecting overall growth of the business and increased utilization of technology and other professional services.”

Annual report 2025A · The company itself

“These increases reflect ongoing investments to support growth of the business and enhance client-serving capabilities while driving incremental efficiencies across the Company.”

Annual report 2025A · The company itself

“Our strategy is focused on utilizing our fiber-powered network to deliver high-quality, competitively priced products, with outstanding service, allowing us to increase both the number of customers we serve over our network and the number of products we sell to each customer.”

Annual report 2025A · The company itself

“Our network evolution initiative remains on track to deliver symmetrical and multi-gigabit speeds across our entire footprint with convergence everywhere we operate.”

Annual report 2025A · The company itself

“In July 2025, we began launching the sale of these seamless entertainment applications to customers on an à la carte basis, and we recently launched the Spectrum App Store, a digital storefront that helps customers activate, upgrade, buy and manage their streaming applications in one place. We also continue to evolve other elements of our video product and are deploying Xumo stream boxes to new video customers.”

Annual report 2025A · The company itself

“Vi forventer, at udvikling af softwareløsninger vil komme til at spille en stadig mere betydende rolle”

Annual report 2025A · The company itself

“Vi er også blevet endnu mere sikre på, at vores kunder i stigende grad efterspørger softwareløsninger og samlede løsninger, der kan lette deres automatisering. Denne type løsninger vil vi satse yderligere på i fremtiden.”

Annual report 2025A · The company itself

“Our Recipe for Growth strategy leans into what uniquely differentiates Chipotle, with a focus on accelerating growth and sharpening competitiveness. The strategy is grounded in five key areas: •Protect and strengthen the core by driving operational and culinary excellence to deliver exceptional value for our guests; •Evolve the brand messaging and accelerate menu innovation and new occasions that drive demand into our restaurants; •Modernize our business model with industry-leading technology, including leveraging AI and relaunching our Rewards Program, to elevate the experience for our guests and teams; •Expand our global reach by scaling with intention through proven, company-owned and partner operated markets, as well as strategic new regions; and •Cultivate the best talent in the industry that is energized and focused on speed and agility.”

Annual report 2025A · The company itself

“Digital sales represent food and beverage revenue for company-owned restaurants generated through the Chipotle website, Chipotle app or third-party delivery aggregators and include revenue deferrals associated with Chipotle Rewards. Digital sales represented 36.7% of food and beverage revenue in 2025, compared to 35.1% in 2024.”

Annual report 2025A · The company itself

“We are also transforming our business digitally, leveraging our global data and artificial Intelligence assets to capitalize on digital partnership capabilities and our unique positioning as the leading composite insurer in Asia.”

Annual report 2025A · The company itself

“•Manage insurance profitability – Implementation of these initiatives is intended to enhance underwriting expertise and knowledge, thereby increasing our ability to manage our business while also gaining efficiency. We believe profit margins can be improved with additional information and expanded pricing capabilities we can access with the use of technology and analytics. This includes segmentation efforts that emphasize identification and retention of insurance policies we believe have relatively stronger pricing, while seeking more aggressive renewal terms and conditions on policies we believe have relatively weaker pricing.”

Annual report 2025A · The company itself

“Technology remains a key driver of efficiency and data transparency. Our implementation of technology enhancements should continue to decrease data entry time and improve the quality of our analytics, positioning us to realize sustained benefits going forward.”

Annual report 2025A · The company itself

“The Company engages in research and development activities across its portfolio of consumer and professional products with the goal of delivering superior value to consumers and customers and driving growth consistent with the Company's IGNITE strategy. These activities principally involve: development and improvement of product formulations, including cleaning, disinfecting, and sanitizing chemistries, food and flavor technologies, filtration systems, and skin health and hygiene solutions; innovation in packaging design, including efforts to reduce the use of plastic and develop recyclable, reusable or otherwise more sustainable packaging; development and improvement of manufacturing processes to enhance efficiency and reduce environmental impact; design and engineering of dispensing systems and related consumable products for professional and institutional applications; and the use of data analytics, artificial intelligence and digital tools to enhance consumer insights, accelerate product development, and optimize marketing effectiveness.”

Annual report 2025A · The company itself

“The Company has implemented and has been implementing certain strategic and transformational initiatives intended to generate cost savings, improve operational efficiencies and enhance its competitive position. These initiatives include the implementation of a new ERP system, expansion of digital capabilities and productivity enhancements, and continued execution of its long-standing cost savings program focused on reducing material and manufacturing costs, improving supply chain operations, and reducing overhead.”

Annual report 2025A · The company itself

“Our project backlog includes a range of exciting and profitable technologies, notably our planned solar park in Denmark and energy storage systems in Sweden.”

Annual report 2024A · The company itself

“Strengthening governance through supplier audits Cloudberry recently conducted its first-ever AI-supported supplier audit, ensuring compliance with the Transparency Act, ESG standards, and governance policies. Given limited internal resources and a tight timeline, we partnered with Sana AI to streamline the process. AI was used to develop customized audit templates, interview guides, and automated reporting, resulting in 60-70% time savings and enhanced quality assurance.”

Annual report 2024A · The company itself

“The success of our markets depends on our ability to complete development of, successfully implement and maintain electronic trading and clearing systems that have the functionality, performance, availability, resilience, capacity, security and speed required by our customers. The success of our business depends in large part on our ability to create interactive electronic marketplaces for a wide range of products that have the required functionality, performance, availability, resilience, capacity, security and speed to attract and retain customers.”

Annual report 2025A · The company itself

“In 2025, 93% of our overall contract volume was generated through electronic trading on our CME Globex electronic platform.”

Annual report 2025A · The company itself

“Our markets are characterized by extensive research and development, rapid technological change, frequent new product introductions, changes in customer requirements and evolving industry standards. The nature of these markets requires significant research and development expenses to participate, with substantial resources invested in advance of material sales of our products to our customers.”

Annual report 2026A · The company itself

“Our success is and will likely increasingly be dependent on our ability to excel at omni-channel demand generation, effectively leverage AI, data analytics and other existing and emerging digital technologies to gain new commercial insights and develop relevant products, marketing and advertising to reach customers and consumers.”

Annual report 2025A · The company itself

“With our Impact4 strategy we are setting a new direction for the company with a strong focus on customers and value creation, and we have taken significant steps this year to ensure strong strategy execution; a new Executive Leadership team with a balanced mix of commercial and technical expertise, a reorganisation of our businesses into Chronic and Acute Care, and a new long-term financial ambition with focus on organic growth and value creation.”

Annual report 2025A · The company itself

“Impact4 focuses on four priorities: delivering innovative customer offerings, driving next-level efficiency, leveraging technology - including AI - to enhance user experience and scale, and fostering a high-performance, sustainable culture.”

Annual report 2025A · The company itself

“The strategy is to grow through innovative customer offerings and to set a new clinical paradigm in Wound & Tissue Repair. Continuous innovation is at the core of the strategy, with launches in both Advanced Wound Dressings and Biologics expected to drive growth.”

Annual report 2025A · The company itself

“Product innovation and development It is essential that Coloplast maintains a competitive and innovative product pipeline that meets the needs of the users. To achieve this, Coloplast relies on its ability to interact with end users and healthcare professionals to protect intellectual property against infringement from competitors and to understand the surgical and medical trends that may impact or limit sales.”

Annual report 2025A · The company itself

“Despite headwinds in 2025, we continued to optimise our organisation to adapt to a changing IT landscape and to strengthen our order pipeline.”

Annual report 2025A · The company itself

“Moreover, if we do not employ new technologies as quickly or efficiently as our competitors, or if our competitors develop or utilize more cost-effective or customer-preferred technologies (such as data analytics, artificial intelligence and other new and emerging technologies) that give them a competitive advantage in the proposal bidding and selection process, it could have a material adverse effect on our ability to win and retain business from customers.”

Annual report 2025A · The company itself

“Utveckling Flera av Concejos hel- och del ägda verksamheter är kun - skapsföretag med målsättning att ligga i framkant av teknikutvecklingen inom valda nischer. Utveckling av produkter, system och produktionsteknik är därför ett prioriterat område.”

Annual report 2024A · The company itself

“Den pågående digitaliseringen i tillväxtmarknader skapar nya affärsmöjligheter för röntgenlösningar, samtidigt som framsteg inom bildbehandlingsteknik, dosövervakning och brusreducering erbjuder betydande konkurrensfördelar – områden där ContextVision är specialiserade.”

Annual report 2024A · The company itself

“This includes, for our sellers, real-time access to sales data over the internet, the ability to respond on a national scale, and for our members, the implementation of VB3 real-time bidding at substantially all of our facilities, thereby permitting members at any location worldwide to participate in the sales at our facilities. We plan to continue to refine and expand our services, including offering software that can assist our sellers in expediting claims and salvage management tools that help sellers integrate their systems with ours.”

Annual report 2025A · The company itself

“Management Information Systems Our primary management information system runs on a platform called G2, an integrated mesh of proprietary, distributed systems that is based on services architecture and open standards. A portion of the functionality still resides in the legacy system called CAS. Table of Contents Employees from various facilities, support centers and offices around the world access the G2 platform to perform various activities like take pictures, receive vehicles, inventory vehicles, process titles, accept payments, etc. Members access the G2 Platform to search for, view, bid and pay for the vehicles.”

Annual report 2025A · The company itself

“FirstOffice erbjuder flexibla kontorslösningar med korta uppsägningstider, en konkurrensfördel då kunder snabbt kan anpassa sig till nya förutsättningar som kräver större eller mindre kontorsyta. FirstOffice har 44 kontorshotell i nio städer i Sverige och erbjuder fullt utrustade kontor och mötesrum med tillhörande service och modern teknik.”

Annual report 2024A · The company itself

“We continually seek to modernize and evolve our technology solutions through our core information technology (IT) transformation initiatives. Our IT transformation initiatives are focused on three main pillars: (1) digital strategy; (2) core systems modernization; and (3) data.”

Annual report 2025A · The company itself

“Our digital strategy is focused on streamlining a digital customer experience across all of our solutions, providing a seamless experience.”

Annual report 2025A · The company itself

“Finally, data is becoming an ever-increasing part of how we and our customers do business. We are focused on investing in our data assets to deliver value for our customers through improved insights to help them to better control expenses and mitigate fraud.”

Annual report 2025A · The company itself

“Our Corporate Payments solutions simplify and automate vendor payments and include AP automation, virtual cards, cross-border payments and purchasing and travel and entertainment ("T&E") card products.”

Annual report 2025A · The company itself

“Spend Management – Our spend management solution provides customers with a unified platform to control, analyze and optimize employee-driven spend across the organization. By combining real-time transaction data from virtual cards, purchasing cards and T&E cards into a single system, Corpay delivers comprehensive visibility into corporate spend by vendor, category, cost center and geography.”

Annual report 2025A · The company itself

“AP Modernization – We offer invoice and payments automation solutions with options that are purpose-built for the simplest small business to the most complex large enterprise. We initiate, manage and guarantee payment of all company-approved bills to all domestic and international vendors through whichever payment modalities the vendors allow, such as virtual card, automated clearing house (ACH), wire or check.”

Annual report 2025A · The company itself

“Corteva focuses on customer-driven innovation to deliver superior germplasm and trait technologies. With its large sets of digitized data and globally connected network, the company can manage its field operations efficiently and draw insights from data quickly and effectively.”

Annual report 2025A · The company itself

“Its digital solutions provide data driven insights that assist farmer decision-making with a view to optimize product selection and, ultimately, help maximize yield and profitability.”

Annual report 2025A · The company itself

“The segment offers crop protection solutions and digital solutions that provide farmers the tools they need to improve productivity and profitability, and help keep fields free of weeds, insects and diseases.”

Annual report 2025A · The company itself

“If our websites are not prominently featured in internet search engine results, if internet search engines integrate technologies or adopt ranking methodologies that decrease traffic to our websites, or if we are unable to maintain or increase traffic to our marketplaces, our business and operating results could be adversely affected. • If real estate professionals or other advertisers reduce or cancel their advertising spending with us and we are unable to attract new advertisers, our operating results would be harmed. • If we are unable to successfully identify, finance, integrate, and/or manage costs related to acquisitions, our business operations and financial position could be adversely affected. • Our strategic transactions may be subject to regulatory approvals and may not be completed as contemplated.”

Annual report 2025A · The company itself

“Other Commercial Real Estate Offerings Our other Commercial Real Estate Offerings include: •Matterport's 3D digital twins allow users to capture and share spaces in immersive 3D and access AI powered property insights. These services are sold on a subscription basis. Matterport also provides capture services of spatial data and other add-on services to existing subscription customers and sells 3D capture cameras and third-party capture devices to customers. •BizBuySell is a marketplace for operating businesses and franchises for sale.”

Annual report 2025A · The company itself

“Operationella förbättringar : Åtgärder för att effektivisera och rationalisera produkteller tjänsteutbudet, sänka produktionskostnader eller öka mätbarhet och uppföljning genom till exempel bättre IT-lösningar.”

Annual report 2024A · The company itself

“The Company makes significant capital investments in information and operational technology, and systems to promote operational efficiency and maintain competitive advantage. Some of these investments relate to complex, multi-year technology deployments that require specialist customization and project management to deliver expected value (including Enterprise Reporting Program (ERP) and industrial control systems deployments and upgrades).”

Annual report 2025A · The company itself

“CRH, through its $250 million Venturing and Innovation Fund, makes investments in early-stage ventures focused on construction, sustainability and digitalization technology whose products and services may offer us future competitive advantage.”

Annual report 2025A · The company itself

“If we do not invest in modernizing our IT systems or fail to effectively execute our digital transformation initiatives, we may experience operational inefficiencies, higher operating costs, reduced scalability, and limitations on our ability to respond to customer requirements or support deployment activity. In addition, reliance on legacy or fragmented systems may affect data accuracy, system reliability, and management’s ability to obtain timely and actionable information.”

Annual report 2025A · The company itself

“Some of our IT and digital initiatives require significant investment, which can be complex and are subject to risks, including implementation delays, cost overruns, integration challenges, and disruption to ongoing operations. Even when successfully implemented, such systems may not deliver anticipated benefits or may require ongoing investment to remain effective as technologies, customer expectations, and industry practices evolve. If our competitors or customers adopt advanced digital capabilities more quickly than we do, we could be at a competitive disadvantage.”

Annual report 2025A · The company itself

“If we do not continue to make appropriate investments in, and effectively implement and maintain, our information technology systems and digital capabilities, our business and operating results could be adversely affected. Our business relies on information technology ("IT") systems to support key operational, commercial, and financial processes, including site and asset management, leasing and contract administration, billing and collections, construction and supply chain activities, regulatory compliance, and financial reporting. Our industry continues to experience increasing operational complexity and growing reliance on digital tools, automation, data analytics, and integrated systems, including the use of artificial intelligence. We continue to seek to drive organizational improvement through digital transformation initiatives and modernizing our legacy IT systems.”

Annual report 2025A · The company itself

“Disruptive innovation by existing or new competitors has altered, and is expected to continue to alter, the competitive landscape in the future and require us to accurately identify and assess such alterations and make timely and effective changes to our strategies and business model to compete effectively.”

Annual report 2025A · The company itself

“All prescriptions processed by the Company are analyzed, processed and documented by the Company’s proprietary prescription management systems. These systems provide essential features and functionality to allow plan members to utilize their prescription drug benefits. These systems also streamline the process by which prescriptions are processed by staff and network pharmacists by enhancing review of various items through automation, including plan eligibility, early refills, duplicate dispensing, appropriateness of dosage, drug interactions or allergies, over-utilization and potential fraud.”

Annual report 2025A · The company itself

“Microsoft partnered with NORDEN to reduce emissions from its maritime supply chain”

Annual report 2025A · The company itself

“Research and Development The Company conducts research and development (“R&D”) activities for the purpose of developing new products, enhancing the functionality, effectiveness, ease of use and reliability of its existing products and expanding the applications for which uses of its products are appropriate. The Company’s R&D efforts include internal initiatives and those that use licensed or acquired technology, and we work with a number of leading research institutions, universities and clinicians around the world to develop, evaluate and clinically test our products.”

Annual report 2025A · The company itself

“As technology continues to play an increasing role in our guests’ experiences, disruptions, failures, or other performance issues with guest-facing technology systems could impair the benefits that technology provides to our business and negatively affect our relationship with our guests.”

Annual report 2026A · The company itself

“Our competitors are constantly expanding their use of social media and new social media platforms are rapidly being developed, potentially making more traditional social media platforms obsolete. As a result, we need to continuously innovate and develop our social media strategies in order to maintain broad appeal with guests and brand relevance.”

Annual report 2026A · The company itself

“If we are unable to attract new customers, our business, financial condition and results of operations will be adversely affected. To increase our revenue, we must continue to attract new customers. Our success will depend to a substantial extent on the widespread adoption of our platform and products as an alternative to existing solutions.”

Annual report 2025A · The company itself

“To encourage awareness, usage, familiarity and adoption of our platform and products, we offer free trials and a free tier of our platform. These strategies may not be successful in leading customers to purchase our products, as users of our free tier may not lead to them or others within their organization purchasing and deploying our platform.”

Annual report 2025A · The company itself

“The success of our platform depends, in part, on its ability to be deployed in a self-service installation process. We currently offer more than 1,000 out-of-the-box integrations to assist customers in deploying Datadog, and we need to continuously modify and enhance our products to adapt to changes and innovation in existing and new technologies to maintain and grow our integrations.”

Annual report 2025A · The company itself

“We have made and expect to continue to make significant investments in updating and integrating our clinical IT systems and continuing to build our data interoperability capabilities. Rulemaking in these areas is ongoing, and there can be no assurances that the implementation of planned enhancements to our systems, such as our implementation of these data interoperability provisions or our other ongoing efforts to upgrade and better integrate our clinical systems, will be successful once the regulatory environment settles or that we will ultimately realize anticipated benefits from investments in new or existing information systems.”

Annual report 2025A · The company itself

“Competition in our markets is influenced by factors such as Table of Contents 14 brand recognition, product innovation and performance, pricing, speed‑to‑market, marketing effectiveness, use of data analytics and AI, access to manufacturing capacity, and control of distribution channels. Our competitors include both established global brands and newer market entrants, including competitors whose broader product assortments and higher sales volumes may be more important to certain customers.”

Annual report 2026A · The company itself

“Brand and Omnichannel Strategy •We are focused on increasing global consumer awareness, cultural relevance, and adoption of our brands, which has contributed positively to our results of operations. Our global brand growth strategy seeks to drive adoption through product innovation and marketing investments across geographies and channels, while enhancing the customer experience through category expansion and loyalty-driven engagement. •We continue to manage marketplace inventory through product segmentation and differentiation.”

Annual report 2026A · The company itself

“•Our long-term strategy is to grow our DTC channel to represent a larger portion of our total net sales by differentiating the consumer experience relative to the wholesale channel and driving consumer acquisition and retention. We are investing in e-commerce platform upgrades, data analytics, consumer experience initiatives, and selective global retail store expansion.”

Annual report 2026A · The company itself

“Till exempel har vi de senaste åren automatiserat flera processer inom bemanningen, som leadsgenerering av kandidater och implementering av verktyg för orderhantering och matchning. Under 2024 fortsatte vi att utveckla Dedicare-appen för att ytterligare förbättra kommunikationen med konsulterna.”

Annual report 2024A · The company itself

“Under 2024 har ett viktigt område varit digital marknadsföring med syfte att attrahera fler kandidater till vår verksamhet. Vårt kontinuerliga digitaliseringsarbete ska stärka Dedicares tillväxt, effektivitet och lönsamhet genom optimering av verksamhetsprocesser, förbättrad affärsuppföljning samt ökad synlighet på marknaden. Som en del av detta arbete har Dedicares interna kompetens inom affärs- och verksamhetsutveckling förstärkts. Ett flertal långsiktiga digitaliseringsinitiativ har inletts och utvecklats, med fokus på områden väl lämpade för automatisering inom bemanning, däribland leadsgenerering av kandidater samt vidare implementering av verktyg för effektivisering av orderhantering och matchning.”

Annual report 2024A · The company itself

“Dedicare fortsätter också att ta stora steg för att uppnå målsättningen om en skalbar miljö i form av effektiva integrationer och Cloudlösningar. Arbetet med förstärkt IT-säkerhet är fortsatt viktigt. Utgångspunkten för arbetet med IT-säkerhet har varit ISO 27001 för att anpassa driften efter bästa möjliga standard.”

Annual report 2024A · The company itself

“For example, substantially all of our tickets are issued to our customers as electronic tickets, and a significant number of our customers check in for flights using our website, airport kiosks and the Delta app. We have made and continue to make significant investments in customer facing technology such as delta.com, the Delta app, in-flight wireless internet, check-in kiosks, customer service applications, application of biometric technology, airport information displays, new AI-based tools and services, and related initiatives, including security for these initiatives.”

Annual report 2025A · The company itself

“The market for glucose monitoring devices is intensely competitive, subject to rapid change and significantly affected by new product introductions and other market activities of industry participants, including enhanced software capabilities, and related data and IT platforms.”

Annual report 2025A · The company itself

“Direct-to-consumer marketing and social media efforts may expose us to additional regulatory scrutiny. Our efforts to promote our products via direct-to-consumer marketing and social media initiatives may subject us to additional scrutiny of our practices of effective communication of risk information, benefits or claims, under the oversight of the FDA, FTC, HHS-OCR, or others.”

Annual report 2025A · The company itself

“With the introduction of Stelo, we are also pursuing and supporting development partnerships with consumer technology product companies that seek to provide metabolic health insights to their customers.”

Annual report 2025A · The company itself

“Our Moving Together Towards 2030 strategy is focused on unlocking the value of the expanded network through organic growth and on becoming a sustainable company.”

Annual report 2025A · The company itself

“In Finance, the Compass project delivered standardisation and efficiencies across core financial processes.”

Annual report 2025A · The company itself

“Once the tender was awarded, standardised IT solutions and booking flows allowed for ticket sales to be initiated within just 24 days of contract signing.”

Annual report 2025A · The company itself

“Distributörens roll är i förändring vilket beror bl.a. på dagens avancerade Internetteknologi. Internet kan göra det möjligt för både återförsäljare och slutkunder att hitta och kontakta tillverkaren direkt. Internet kan göra det möjligt för internationella och europeiska distributörer att ta marknadsandelar från DistIT.”

Annual report 2024A · The company itself

“2.13 VARULAGER Varulagret avser IT-tillbehör. Varulagret är värderat enligt lägsta värdets princip, d v s till det lägsta av anskaffningsvärde och nettoförsäljningsvärde.”

Annual report 2024A · The company itself

“En ledande partner av IT-, teknik- och AV-produkter Bred tillgång till kundkanaler möjliggör skalbarhet & effektiv ”Go-to-market” * Alla logotyper och varumärken är exempel och ej heltäckande. ~30 000 artikelnummer levereras till ~6000 aktiva företagskunder och direkt till konsument i Norden, Baltikum och övriga Europa.”

Annual report 2024A · The company itself

“DistIT är en väletablerad distributionskoncern inom IT-tillbehör, datakommunikation, hemelektronik, nätverk och AV-produkter i Norden.”

Annual report 2024A · The company itself

“DELTACO erbjuder prisvärda produkter med hög kvalitet och funktionalitet inom de globala megatrenderna. Idag erbjuds flera koncept med fokus på kontor, smarta hem, laddning av elektronik, mobiltillbehör och elbilsladdning.”

Annual report 2024A · The company itself

“STREETZ riktar sig mot en yngre publik och erbjuder ett brett sortiment av coola och prisvärda audioprodukter hörlurar, headsets och högtalare för laptops, surfplattor och smartphones. STREETZ gör det både roligt och enkelt att lyssna på din favoritmusik eller podd var i världen du än befinner dig.”

Annual report 2024A · The company itself

“Essentials erbjuder ett brett utbud av tillbehör för laptops, surfplattor och smartphones. Oavsett om du behöver ladda din enhet i bilen, ha en extra laddare hemma eller extra ström när du reser erbjuder Essentials den utrustning du behöver.”

Annual report 2024A · The company itself

“DistIT AB (publ) ska förvärva, äga och utveckla nischdistributörer inom IT, mobility, hemelektronik, nätverk, datakommunikation och AV-produkter i Norden och Baltikum. Bolag inom DistIT-koncernen levererar både B2Boch B2C- produkter till IT- och AV-marknaden i Norden och Baltikum.”

Annual report 2024A · The company itself

“Aurdel är en ledande distributör av kvalitetsprodukter och tillbehör inom IT, mobilitet, konsumentelektronik, nätverk och datakommunikation i norra Europa.”

Annual report 2024A · The company itself

“DNB er Norges ledende transaksjonsbank målt i volum. Gjennom moderniseringen av vår betalingsplattform leverer vi nå enda mer effektive og brukervennlige løsninger til kundene våre.”

Annual report 2024A · The company itself

“Gjennom mer sikker og effektiv datahåndtering, mer effektive IT-systemer og modernisering av prosesser, leverer vi bedre og mer innovative tjenester til kundene. Dette legger grunnlaget for bærekraftige løsninger som lar oss utforske nye muligheter uten å gå på bekostning av stabilitet, sikkerhet eller eksisterende løsninger.”

Annual report 2024A · The company itself

“Finansielle KPI-er: Andre ambisjoner: Utbyttepolitikk og kapitalplanlegging: • I tillegg til å fokusere på inntektsvekst, har vi identifisert et mål om brutto kostnadsreduksjoner på rundt 3 milliarder kroner i perioden 2025 til 2027. For å nå vårt kostnadsmål og styrke konkurransekraften, har vi definert følgende prioriterte områder for kostnadsreduksjon: • digitalisering og automatisering • effektivisering og redusert kompleksitet • skalafordeler • Årlig vekst i utlånsvolum, over tid, på 3–4 prosent • Årlig vekst i provisjonsbaserte inntekter, over tid, på over 9 prosent • DNBs overordnede mål er å levere langsiktig verdiskaping for sine aksjonærer, delvis via positiv aksjekursutvikling og delvis via en forutsigbar utbyttepolitikk • Vår utbyttepolitikk er å utbetale mer enn 50 prosent av årsresultatet i kontantutbytte.”

Annual report 2024A · The company itself

“Such initiatives include providing our customers with a variety of shopping access points and even greater value and convenience by leveraging and developing digital tools and technology, such as our Dollar General app, which contains a variety of tools to enhance the shopping experience. We remain focused on enhancing both the in-store and digital shopping experience, while driving operational efficiency. The delivery component of our digital initiatives is becoming a meaningful contributor to our comparable store sales performance.”

Annual report 2026A · The company itself

“Samtidigt utvecklas mobila arbetsplatser och nya transportmönster.”

Annual report 2024A · The company itself

“Investeringar i produktutveckling och säljkapacitet i strategiska tillväxtområden prioriterades och produktinnovationsindex förbättrades till 21 procent (17) med stöd av ett stort antal produktlanseringar.”

Annual report 2024A · The company itself

“Vi har ökat våra investeringar i forskning och utveckling under åren och vårt produktinnovationsindex ökar stadigt. Nya produk - ter på marknaden, inklusive ett nytt sortiment av mobila kylboxar (mobile coolers) och nya strömförsörjningslös - ningar (mobile power solutions), positionerar oss steg för steg som det ledande globala bolaget inom tekniska lösningar för utomhus- och friluftsliv på marknaden.”

Annual report 2024A · The company itself

“DOMETIC-AMBASSADöRER 19DOMETIC ÅRS- OCH HÅLLBARHETSREDOVISNING 2024 PRODUKTLEDARSKAP GENOM INNOVATION Investeringar i produktinnovation Investeringar i forskning och utveckling, Mkr Smarta och tillförlitliga produkter med enastående design Den grundläggande frågan bör alltid vara: ”Vad är det slutkonsumenten egentligen behöver?” För att hitta svaret lyssnar Dometic noggrant på sina kunder och slutkonsumenter för att förstå deras behov – i fråga om produkter, kompletta lösningar, leveranser, support och service.”

Annual report 2024A · The company itself

“Kostnadsreduce - ringar kommer att uppnås genom minskad ineffektivitet och minskat svinn, samt genom utnyttjande av fördelarna med automatisering och digitalisering.”

Annual report 2024A · The company itself

“Bolaget ökar sina aktiviteter och investeringar inom digitalisering och e-handel för att nå nya kunder och reducera kostnaderna. I detta ingår: • EDI-lösningar (Electronic Data Interchange) för befintliga större kunder och leverantörer i syfte att minska transaktionskostnaderna. • En global B2B-lösning för att automatisera flöden, sänka kostnaderna och öka effektiviteten. • En global B2C-lösning för direkt kontakt med nya kunder.”

Annual report 2024A · The company itself

“In the U.S., Domino’s generated more than 85% of U.S. retail sales in 2025 from digital channels, and our emphasis on technological innovation has allowed us to develop many innovative ordering platforms.”

Annual report 2025A · The company itself

“Operational Excellence: We are relentless in our focus on convenience, consistency and efficiency for our customers.”

Annual report 2025A · The company itself

“Second, we continue to focus on improving returns on capital, as well as earnings margin, by enhancing our operational capabilities and making investments across the organization in growth capacity expansion, digital capabilities, automation, operations management, information technology ("IT"), shared services (including Dover Business Services and our India Innovation Center), and talent.”

Annual report 2025A · The company itself

“We also focus on continuous, effective cost management and productivity initiatives, such as supply chain optimization, automation and productivity capital expenditures, e-commerce and digital go-to-market, restructuring, product complexity reduction, improved footprint utilization, strategic pricing and portfolio management.”

Annual report 2025A · The company itself

“Our Boston-based Dover Digital Labs serves as the company-wide hub for our digital initiative. We have an experienced team of software developers, data scientists, and product managers to enhance our digital capabilities that is driving value creation across our business through digital transformation in five areas: (i) enhancing the customer experience through more efficient and streamlined digital customer interfaces that make it easy to do business with Dover companies; (ii) developing and improving acquired and organically built connected and software-as-a-service ("SaaS") products that combine sensors, software, machine learning and artificial intelligence; (iii) driving increased efficiency, safety and quality in our manufacturing operations by employing cutting-edge automation through "connected factory" and "data quality" programs; (iv) identifying and addressing scale opportunities to deploy artificial intelligence to drive productivity across our business processes; and (v) ensuring security of digital products.”

Annual report 2025A · The company itself

“We plan to make average annual investments in capital spending of approximately 2% of revenue with a focus on internal projects designed to expand our market participation and manufacturing capacity, drive further adoption of e-commerce and digital capabilities, and improve productivity.”

Annual report 2025A · The company itself

“Table of Contents Human Capital Investments Related to Strategic Priorities In line with our strategic priorities, we have additionally invested in the following aspects of human capital resource management, among other areas: •Dover Digital Labs – We are continuing to leverage our Digital Labs team to improve our digital capabilities. Our team of software developers, data scientists, manufacturing engineers, and product managers drive digital transformation across our businesses by enhancing customer experience, developing connected industrial products, enabling digital manufacturing and securing our digital products.”

Annual report 2025A · The company itself

“Our business has both an increasing reliance on systems and an increasing digital footprint as a result of changing technologies, connected devices and digital offerings, as well as expanded remote work policies.”

Annual report 2025A · The company itself

“During the year, Dover Food Retail introduced a cloud-based software to digitize the full life cycle of CO2 refrigeration solutions from deployment to diagnostics, warranty management and maintenance, supported by production data, to shorten startup cycles, reduce errors such as incorrect high pressure control set points, and improve consistency during deployment.”

Annual report 2025A · The company itself

“Vi gynnas av detta och en historiskt långsiktigt växande marknad, driven av ökad e-handel och digitalisering, samt en accelererande efterfrågan på säkra och flexibla IT-lösningar.”

Annual report 2024A · The company itself

“• Marknaden drivs av ett fortsatt skifte till handel online, vilket i allt större utsträckning blir ett naturligt val för många företag och i sin tur medför en ökad efterfrågan på digital rådgivning och support online. • Stark tillväxt inom mobilitet och molntjänster, pådriven av fortsatt digitalisering, nya arbetssätt och skiftande arbetsplatser som ökar behovet av integrerade IT-lösningar och tjänster. • Fortsatt skifte till abonnemangsmodeller som erbjuder ett enkelt sätt för kunder att ta kontroll över sina IT-kostnader.”

Annual report 2024A · The company itself

“Inom e-handel, mobilitet och molntjänster samt säkerhetslösningar är tillväxten ännu högre.”

Annual report 2024A · The company itself

“Samtidigt blir företagen idag alltmer beroende av IT för att fungera, vilket ställer ständigt ökande krav på tillförlitlighet.”

Annual report 2024A · The company itself

“Ökad intern kapacitet med en plattform och enhetliga processer Genom lanseringen av en gemensam ITplattform och möjligheten till samordnade processer ökar vi den interna kapaciteten och möjliggör därmed ökad försäljning och framtida expansion. På kort sikt innebär det att utnyttja möjligheterna till samordning genom lanseringen av den gemensamma IT-plattformen.”

Annual report 2024A · The company itself

“Innovation inom hårdvara, mjukvara och vår verksamhet Vårt produkt- och utvecklingsteam har strategiska samarbeten med de stora globala plattforms leveran törerna, däribland Apple, Microsoft och Google, för att göra våra heltäckande kommunikationslösningar mer lättillgängliga för användarna.”

Annual report 2024A · The company itself

“Under 2024 inkluderade detta nya pro - dukter som den iPadOS-baserad talgenererande enheten TD Navio, en ny och förbättrad modell av den Microsoft Windows-baserade TD I-110, samt ett nytt See Through-läge för TD Talk-appen.”

Annual report 2024A · The company itself

“Med AKK avses ett verktyg, en strategi, ett stöd eller någon annan form av kommunikation som används i tillägg till eller i stället för det talade ordet. AKK består av olika kommunikationsmetoder som kan hjälpa människor som inte kan använda verbalt tal att kommunicera.”

Annual report 2024A · The company itself

“Genom vår mjukvara kan användarna få tillgång till datorer, surfa på webben, skriva texter och utveckla sin läs- och skrivförmåga.”

Annual report 2024A · The company itself

“TD Navio: En ny, mycket anpassningsbar, special byggd iOS-baserad talgenererande enhet. TD Navio har utvecklats för personer med kommunikationsnedsättningar som autism, afasi eller Downs syndrom.”

Annual report 2024A · The company itself

“TD I-110: En uppgradering av vår Windowsbaserade talgenererande enhet med pekskärmskontroll, specialbyggd för personer med tillstånd som autism. See Through-läge för TD Talk: Med See Through-läget kan personer som använder TD Talk-appen kommunicera ansikte mot ansikte genom att göra skärmen transparent. TD Talk är utformat för vuxna personer med ALS, multipel skleros, muskeldystrofi och cerebral pares som kan läsa och skriva.”

Annual report 2024A · The company itself

“In addition, we rely on Google search to direct a significant amount of traffic to our platforms. From time to time, Alphabet has made changes to their algorithms and methodologies that have reduced the amount of traffic directed to our platforms, and they may continue to do so, including in a way that promotes their competing products or services.”

Annual report 2025A · The company itself

“Our innovation efforts are supported by approximately 3,000 research, development, engineering and digital experts.”

Annual report 2025A · The company itself

“Research and Development ​ Our research and development program consists principally of developing and validating the performance of new products, processes, techniques and equipment, improving the efficiency of those already existing, improving service program content, evaluating the environmental compatibility of products and technical support. Key disciplines include analytical and formulation chemistry, microbiology, data science and predictive analytics, process and packaging engineering, digital and remote monitoring engineering and product dispensing technology.”

Annual report 2025A · The company itself

“One Ecolab ​ On July 30, 2024, we announced the One Ecolab initiative, which will enhance our growth and margin expansion journey. As a program within this initiative, we also announced that we commenced a restructuring plan to leverage our digital technologies to realign the functional work done in many countries into global centers of excellence.”

Annual report 2025A · The company itself

“In 2025, individual skills were supported by, among other things, training personnel in the new digital operating model and enterprise resource planning system for Staffing Services. In addition, staff were offered training on current topics related to diversity, information technology, and law.”

Annual report 2025A · The company itself

“The primary approach to retaining staffed employees is to offer them more work in attractive client companies. The ERP system and digital operating model introduced in 2024–2025 are designed to enable Eezy's staffed employees to work more hours at a variety of client companies and in different industries.”

Annual report 2025A · The company itself

“Investorerne har især vist stor interesse for virksomheder, der udvikler softwareløsninger, herunder forretningsapplikationer og datainfrastruktur. Denne kategori modtog næsten en milliard euro i investeringer i 2025.”

Annual report 2025A · The company itself

“There is an ongoing shift from traditional offset print with large editions towards digital print and more recipient-adapted products. Online print, that is a strategically prioritized area for the Group, continues to show organic growth.”

Annual report 2024A · The company itself

“Elanders is a global provider within print and packaging, with its own print production sites in a number of countries and collaborations within several networks and partnerships. Although traditional commercial offset printing today is experiencing continuously decreasing volumes, the story is quite the opposite when it comes to various forms of digital print ordered online.”

Annual report 2024A · The company itself

“What are your focus areas for the future? We are focusing on more mergers and acquisitions in the direction of online print – and digital print overall. We will also continue investing in production equipment and processes as well as marketing.”

Annual report 2024A · The company itself

“In 2024, Elanders continued the roll-out of the company’s proprietary WMS, CloudX, and by the end of the year, the system was in use in 18 facilities around the world. As a result, the company has acquired new global customers and developed several existing local and regional customers to become global. — Print & Packaging Solutions Elanders Sverige AB, which was previously part of the business area Supply Chain Solutions, is as of January 1, 2024, included in Print & Packaging Solutions, which better reflects the Group’s internal reporting structure and the company’s product and service offering.”

Annual report 2024A · The company itself

“CloudX will additionally be available on the market, to the benefit of customers who, for example, want to handle logistics in-house in their home market, but use Elanders overseas, and keep the same efficient WMS.”

Annual report 2024A · The company itself

“Over the last few years, investments have been made in competitive digital technology in order to meet customer demand for flexible print production in shorter and smaller series with high quality and at competitive prices.”

Annual report 2024A · The company itself

“CI: A great advantage is the ease and speed of integration with all major shop systems used by brands, as well as marketplaces, ERP (Enterprise Resource Planning) systems and retailers. A fulfillment solution can very rapidly be set up or expanded to a new market, enabling standardization and a radically improved customer experience.”

Annual report 2024A · The company itself

““ Our strong, state-of-the-a proprietary Warehouse Management System (WMS) CloudX provides a seamless workow and omnichannel fulllment.””

Annual report 2024A · The company itself

“We know that the value chain can always be improved. We do this through experimenting, using new technology and looking for ways to eliminate waste.”

Annual report 2024A · The company itself

“To achieve its strategic goals, Elkem will concentrate on operational excellence, digitalisation, people development, and ESG.”

Annual report 2024A · The company itself

“Innovation and R&D: Elkem invests significa tly in research and development to drive innovation. This focus on R&D helps the company develop new products, improve existing ones, and enhance production processes, ensuring they remain at the forefront of technological advancements.”

Annual report 2024A · The company itself

“During 2024, Elkem has implemented a SRM system. This global platform strengthens the company’s ability to identify human rights risks, prioritise areas of high impact, and conduct systematic, risk-based supplier qualific tion and follow-up.”

Annual report 2024A · The company itself

“Silicon is used in silicones, aluminium alloys and polysilicon, and has a number of favourable chemical and physical properties, including semi-conductivity, making it highly versatile for numerous industrial and electronic applications.”

Annual report 2024A · The company itself

“The company develops silicones, silicon products and carbon solutions by combining natural raw materials, renewable energy, and human ingenuity. Elkem helps its customers create and improve essential innovations like electric mobility, digital communications, health, and personal care as well as smarter and more sustainable cities.”

Annual report 2024A · The company itself

“This segment also includes the AspenTech business, which is a global leader in asset optimization software that enables industrial manufacturers to design, operate and maintain their operations for maximum performance. AspenTech combines decades of modeling, simulation and optimization capabilities with industrial operations expertise and applies advanced analytics to improve the profitability and sustainability of production assets. The purpose-built software drives value for customers by improving operational efficiency and maximizing productivity, reducing unplanned downtime and safety risks, and minimizing energy consumption and emissions.”

Annual report 2025A · The company itself

“Branschen som koncernen verkar i kännetecknas av en utbredd ny teknik, ny hårdvara och nya typer av spelkonsoler. EG7 agerar på en mycket konkurrensutsatt marknad och svårigheter med att utveckla och anpassa sig till ny teknik kan leda till en försämrad marknadsposition.”

Annual report 2024A · The company itself

“Material defects or errors in the Group’s information, products or services as well as delays in providing products and services may harm its reputation or lead to loss of income, increased costs, regulatory measures or legal claims.”

Annual report 2025A · The company itself

“Enento Group believes that its continued success will be influenced by its ability to meet customers’ needs through the development of products and services that are easy to use and that seek to increase customers’ business process efficiency, offer cost savings, and facilitate better business decisions. The Group’s financial result may suffer if the development of new products or services or improvements to existing products are delayed for reasons related to possible technical challenges, problems related to external IT development resources, information acquisition or regulatory requirements.”

Annual report 2025A · The company itself

“Enersensen strategian toteuttaminen edellyttää muutoksia yhtiön toimintatapoihin ja uusien kyvykkyyksien kehittämistä. Yhtiö voi epäonnistua muutoksen hallinnassa tai keskeisten strategisten kehityshankkeidensa toteuttamisessa riittämättömien resurssien tai puutteellisen johtamisen tai seurannan vuoksi.”

Annual report 2025A · The company itself

“Vuonna 2025 Enersense uudisti toimintamalliaan päivitetyn strategian toteuttamiseksi. Toimintamallin uudistuksen tavoitteena oli varmistaa uuden strategian vaatima osaaminen, selkeyttää vastuita ja parantaa suorituskykyä.”

Annual report 2025A · The company itself

“Ökat fokus på produktutveckling för att bredda befintlig produktportfölj och möta kundernas efterfrågan på digitala lösningar, elektrifiering och tjänster.”

Annual report 2024A · The company itself

“Produkter och teknologi Nya arbetssätt, beteenden och snabba teknikskiften kan leda till ändrade kundkrav. Eniro möter dessa risker genom att ha kundnära relationer och utveckling av nya produkter och tjänster för att förstå behov och marknadsförflyttningar.”

Annual report 2024A · The company itself

“Affärsområde Marketing Partner, som står för 61 procent av omsättningen, erbjuder mikro, små och medelstora företag ett helhetserbjudande av digitala marknadsföringstjänster med hjälp av såväl externa partnerskap som egna sökmotorer.”

Annual report 2024A · The company itself

“Advances in technology and changes in laws or regulations offer alternative methods of producing and/or consuming energy, some potentially at a reduced cost. The Utility operating companies’ future success will depend, in part, on our ability to anticipate and successfully adapt to technological developments and to offer services that meet customer demand.”

Annual report 2025A · The company itself

“For example, before planning any refurbishment of existing properties, Entra maps the materials present in the existing space with the help of a digital tool called Loopfront. Loopfront provides an overview of materials within the company’s buildings, including surplus materials stored on-site, which are available for reuse.”

Annual report 2024A · The company itself

“One key initiative is partnering with Carrot, a company specialising in waste data capture at the tenant level, as opposed to waste data at the building level.”

Annual report 2024A · The company itself

“En egenutvecklad IT-plattform för individanpassad design och förplanerad kirurgi Episurf Medicals skalbara μiFidelity®-system är framtaget för skadebedömning, förplanering av kirurgiska ingrepp och kostnadseffektiv individanpassning av implantat och tillhörande instrument.”

Annual report 2024A · The company itself

“Från medicinska bilder till skräddarsydda implantat och instrument μiFidelity®-systemet Episurf Medicals μiFidelity®-system är en egenutvecklad webplattform för orderhantering, kommunikation, patientspecifik design och kirurgisk förplanering. Så vitt bolaget känner till är μiFidelity® först i världen med att möjliggöra visualiseringsstöd för patientspecifik bedömning av broskskador i leder samt precisionstillverkning av patientspecifika ytersättningsimplantat och kirurgiska instrument.”

Annual report 2024A · The company itself

“#01 Detta är EQT #02 Finansiella rapporter #03 Hållbarhetsnoter #04 Bolagsstyrning #05 Ytterligare information Försäljningstillväxt Multipelexpansion Marginalförbättring Skuldamortering EQT Playbook är grundpelaren i EQT:s strategi för aktivt ägande. Den tillhandahåller verktyg för att driva tillväxt och utveckla EQT-fondernas investeringar genom digitalisering, hållbarhet och operativ excellens.”

Annual report 2024A · The company itself

“Verktygslådan, som har förfinats under tre decennier, integrerar hållbarhet, digitalisering och operativ excellens, vilket skapar stark avkastning genom försäljningstillväxt, marginalexpansion och strategiska förvärv.”

Annual report 2024A · The company itself

“Som en del av EQT:s aktiva ägarmodell är EQT Playbook en viktig drivkraft för fondernas avkastning, där tillväxt främjas genom digitalisering, hållbarhet och operationell excellens. EQT:s styrningsmodell möjliggör stöd för genomförandet av affärsplaner inom portföljbolagen, inklusive hållbarhetsdrivna värdeskapande initiativ (se avsnitt #3.6 i Hållbarhetsnoterna för mer information).”

Annual report 2024A · The company itself

“Utnyttjade åtaganden inkl. avgifter och kostnader = Fördelning i en typisk fond #01 Detta är EQT #02 Finansiella rapporter #03 Hållbarhetsnoter #04 Bolagsstyrning #05 Ytterligare information IFS EQT förvärvade IFS för första gången 2015 genom EQT VII. 2020 återinvesterade EQT genom EQT VIII och IX för att fortsätta driva bolagets utveckling till att bli en global ledare inom företagsmjukvara och industriell AI. IFS grundades 1983 och har vuxit från en leverantör med fokus på Nordeuropa till en snabbväxande, molnbaserad mjukvaruplattform med 7 000 anställda i över 90 länder.”

Annual report 2024A · The company itself

“I maj 2024 förvärvade EQT Private Capital Asia WSO2, en leverantör av programvara för applikationsutveckling. WSO2, som grundades i Asien, har en global kundbas där över 80 procent av intäkterna kommer från blue-chip-kunder i Amerika och EMEA. WSO2 erbjuder en heltäckande portfölj av lösningar inom API-hantering, API-integration och identitets- och åtkomsthantering, vilket gör det möjligt för företag – inklusive stora koncerner, universitet och myndigheter – att påskynda sin digitala transformation på ett säkert och effektivt sätt.”

Annual report 2024A · The company itself

“#01 Detta är EQT #02 Finansiella rapporter #03 Hållbarhetsnoter #04 Bolagsstyrning #05 Ytterligare information Hälsovård — MedTech — Life Science-verktyg och diagnostik — Läkemedel och relaterade tjänster — Hälsovårds-IT Tjänster — Outsourcing av kritiska tjänster — Nätverkstjänster — Tekniktjänster Teknologi — Mjukvara — Konsumentinriktade internettjänster — Digitala medier och underhållning Industriell teknologi — Automatisering och Internet of Things — Hållbarhetsteknik — Livsmedelsteknik 41% 31% 5% 23% 2% 27% 16% 15% 8% 32% Klimat & Natur Hälsa & Välmående Tillgång & Jämlikhet Motståndskraft & Transparens Vår uppkopplade värld Modularisering av teknologi Distribuerat ägande & Decentralisering Hälsovård Teknologi Tjänster Industriell teknologi Tjänster Tekniska tjänster Teknologi Hälsovård Industriell teknologi Annat – EQT Private Capital EQT:s affärssegment Private Capital investerar utifrån en tematisk investeringsstrategi kombinerad med djup sektorexpertis, med fokus på ledande icke-cykliska bolag.”

Annual report 2024A · The company itself

“I 2024 investerte Equinor et rekordhøyt beløp på 700 millioner USD i forskning og utvikling og digitalisering.”

Annual report 2024A · The company itself

“Digital solutions and green technology are needed and included in new projects and retrofitted in existing production assets and plants.”

Annual report 2024A · The company itself

“Additionally, shifting consumer behaviors toward increased digital interactions may cause the insurance industry as a whole to migrate to a delivery system other than independent agencies.”

Annual report 2025A · The company itself

“Our technological developments are focused on simplifying and improving the employee, agent, and customer experiences, increasing efficiencies, redesigning products, and addressing other potentially disruptive changes in the insurance industry, including the use of artificial intelligence.”

Annual report 2025A · The company itself

“As we continue to develop technology initiatives in order to remain competitive, our profitability could be negatively impacted as we invest in system development.”

Annual report 2025A · The company itself

“Essity har också stärkt sina digitala lösningar för vårdgivare och vårdinstitutioner. TENA SmartCare Change Indicator uppdaterades under 2024 för förbättrad användbarhet.”

Annual report 2024A · The company itself

“Essity fortsätter att stärka sin närvaro i olika kanaler genom att komplettera traditionella distributionskanaler offline med digitala kanaler. Genom digital interaktion får vi också bättre kännedom om köparnas och användarnas behov, vilket gör att vi effektivare kan kommunicera och bygga relationer med dem.”

Annual report 2024A · The company itself

“Vi strävar också efter innovation inom marknadsföring, affärsmodeller, teknik och processer.”

Annual report 2024A · The company itself

“Operativ effektivitet genom flexibilitet och ständiga förbättringar. Vi adresserar operativ effektivitet i hela vår verksamhet, från forskning och utveckling, marknadsföring och försäljning till Essitys heltäckande kundcentrerade leverantörskedja. Det inkluderar även planeringen av efterfrågan, inköp, teknologi, tillverkning och produktleveranser. Vi uppnår exceptionell effektivitet och service i världsklass genom digitalisering, med ett ständigt fokus på förbättringar, kostnadsbesparingar och hållbarhet.”

Annual report 2024A · The company itself

“TENA har egna nätbutiker som utvecklats för att hjälpa konsumenter med information om inkontinens och tillgängliga lösningar samt ge möjlighet att beställa och få produkterna levererade.”

Annual report 2024A · The company itself

“The group has a strategic plan for digitalisation, including omnichannel and e-commerce.”

Annual report 2024A · The company itself

“Our primary strategies include the following: Maximize the performance of our stores through strategic, efficient and proactive management We pursue revenue-generating and expense-minimizing opportunities in our operations. We seek to maximize revenue by responding to changing market conditions through our advanced technology systems’ ability to provide real-time, interactive rental rate and discount management. We have implemented one of the most dynamic online marketing programs in the industry, which we believe will attract more customers to our stores and deliver strong returns on investment.”

Annual report 2025A · The company itself

“F-Secure is in the process of transforming the company and its operating model with its growth strategy and taking advantage of AI capabilities in our offering and business processes. Changes in the company's strategic priorities, structure and processes may take time to become effective. Additionally, these strategic investments and changes may at least initially have a negative impact on the company's product roadmap and its operations.”

Annual report 2025A · The company itself

“Digital Solutions We also invest in digital solutions that aim to deliver strategic value for our customers, leverage local inventory for same-day solutions, and provide efficient service. While there is a transactional element to our digital services, many of the solutions we invest in are intended to add value to customers by illuminating various elements of their supply chain. In many cases, this provides insights that allow us to migrate transactional, 'non-sticky' (and traditionally high cost) online spend into a 'sticky' managed setting (such as our FMI programs).”

Annual report 2025A · The company itself

“Each Site may incorporate one or more service models, including Fastenal Managed Inventory (FMI) programs (FASTStock, FASTBin, FASTVend), integrated supply programs, eBusiness capabilities, and advanced manufacturing services. These models are designed to improve product availability, automate replenishment, and reduce procurement costs for customers.”

Annual report 2025A · The company itself

“We believe the combination of our broad product offering, physical presence on a global scale, and toolbox of services, specialists, and digital capabilities, produces a customer engagement model that is difficult for large and small competitors to replicate. This is consistent with our strategy and offers significant value by providing differentiated and difficult to displace service.”

Annual report 2025A · The company itself

“We may not be successful in adopting and integrating emerging technologies. Our ability to maintain and enhance our competitive position depends in part on our capacity to adopt and integrate emerging technologies, including AI and advanced analytics, into our operations, customer solutions, and supply chain management.”

Annual report 2025A · The company itself

“In recent years, we have increased the resources devoted to developing a multi-dimensional, differentiated service offering, including our Digital Footprint (which incorporates our FMI and eBusiness capabilities), contract accounts, international capabilities, and process and consumption analytics.”

Annual report 2025A · The company itself

“Our digital transformation is underpinned by our digital backbone and artificial intelligence (“AI”) capabilities, enabling intelligent orchestration, standardization, and digitized and AI-enabled workflows that drive faster response, fewer exceptions, and lower our cost to serve. Our digital transformation is focused on efficiency, differentiation, and new value creation.”

Annual report 2026A · The company itself

“SenseAware Mobile, a FedEx innovation currently available in over 120 countries worldwide, allows customers to stay connected to their critical shipments by providing real-time updates regarding current location, temperature, relative humidity, barometric pressure readings, light exposure, shock events, tilt beyond a certain angle, and healthcare subsampling. Additionally, FedEx SenseAware ID is a lightweight sensor-based logistics device that delivers a new level of precision tracking. The enhanced location visibility provided by FedEx SenseAware ID is creating opportunities for FedEx customers to reimagine their supply chains through real-time updates on a package’s location within the Express U.S.”

Annual report 2026A · The company itself

“We may be unable to achieve the expected operational efficiencies and network flexibility, alignment of our cost base with demand, cost savings and reductions to our permanent cost structure, and other benefits from our transformation initiatives (including our technology infrastructure, adopting and utilizing AI and machine learning technologies).”

Annual report 2026A · The company itself

“We are continuing to invest in our e-commerce and omni-channel capabilities and other technology solutions, including investments in incremental upgrades to our enterprise-wide resource planning systems, to simplify our customer propositions and to optimize the supply chain and branch network to be more efficient and to deliver a more efficient business for our customers.”

Annual report 2025A · The company itself

“Many of our services are based on sophisticated software and computing systems, and we may encounter delays when developing new technology solutions and services. Further, the technology solutions underlying our services have occasionally contained, and may in the future contain, undetected errors or defects when first introduced or when new versions are released. In addition, we may experience difficulties in installing or integrating our technologies on platforms used by our clients, or our clients may cancel a project after we have expended significant effort and resources to complete an installation.”

Annual report 2025A · The company itself

“Our future success will be significantly affected by our ability to enhance our current solutions and develop and introduce new solutions and services that address the increasingly sophisticated needs of our clients and their customers. In addition, as more of our revenue and market demand shifts to software as a service ("SaaS"), business process as a service ("BPaaS"), cloud, and new emerging technologies, the need to keep pace with rapid technology changes becomes more acute.”

Annual report 2025A · The company itself

“(1)Organization FIS is a leading global provider of financial services technology solutions for financial institutions, businesses and developers. We improve the digital transformation of our financial economy, advancing the way the world pays, banks and invests.”

Annual report 2025A · The company itself

“Transaction Processing and Services Revenue Transaction processing and services revenue is primarily comprised of payment processing, data processing, application management, and outsourced services, including our SaaS, BPaaS and cloud offerings.”

Annual report 2025A · The company itself

“Näistä haasteista huolimatta keskityimme määrätietoisesti niihin tekijöihin, joihin voimme itse vaikuttaa: kustannusten hallintaan, verkoston ja kapasiteetin jatkuvaan optimointiin sekä myynnin ja lisäpalveluiden kehittämiseen.”

Annual report 2025A · The company itself

“Med udgangspunkt i markdata, som er integreret i maskinerne, kan vi foretage præcis og behovstilpasset tildeling af både gødning og såsæd.”

Annual report 2025A · The company itself

“Nye teknologier og ”know-how” I produktionen benytter vi de nyeste teknologier og know-how for at forbedre driftsresultater, sikre effektiv udnyttelse af ressourcer og høj kvalitet af vores produkter.”

Annual report 2025A · The company itself

“Additionally, we enable ISVs to embed secure, omnichannel payment capabilities directly into their platforms, complemented by Clover hardware integration and value-added services. This integration enables ISVs to scale quickly and monetize transactions, while delivering secure and convenient payment experiences to their customers.”

Annual report 2025A · The company itself

“Revenue Recognition The Company generates revenue from the delivery of processing, service and product solutions. Revenue is measured based on consideration specified in a contract with a customer, and excludes any amounts collected on behalf of third parties.”

Annual report 2025A · The company itself

“The Company maintains substantial volumes of payment and transaction data, providing insights into business and consumer activity. The Company accounts for the sales of distinct data and analytics as a separate performance obligation and recognizes the revenue at its standalone selling price when the customer obtains control of the analytical data.”

Annual report 2025A · The company itself

“The businesses in the Financial segment provide products and services to financial institution, corporate and public sector clients across the world, enabling the processing of customer loan and deposit accounts, digital payments and card transactions.”

Annual report 2025A · The company itself

“We continue to advance our expertise in factory automation, robotics, artificial intelligence, vertical integration, simulation, digital twins, and power technologies, reflecting the increasing demands of both advanced manufacturing and digital infrastructure customers.”

Annual report 2026A · The company itself

“our R&D spend on activities related to solutions for energy and emissions improvements accounted for 76% of our total R&D budget”

Annual report 2025A · The company itself

“As a technology leader, we are in a unique position to enable our customers to move towards mining for a sustainable world. Our investments into innovation and digitalisation are critical to remain a market leader and to deliver on our mining strategy.”

Annual report 2025A · The company itself

“lanceret en digital B2B-platform, der skal gøre hverdagen nemmere for de professionelle malere”

Annual report 2026A · The company itself

“Simplificering af driften for at mindske kompleksitet Opbygning af robusthed i den operationelle infrastruktur Vores formål er at være medskabere af en grønnere byggematerialeindustri og fremme malerens håndværk gennem kvalitetsløsninger, pålidelige partnerskaber og inspirerende designvalg.”

Annual report 2026A · The company itself

“Koncernen har blandt andet etableret central indsamling af timeaflæste energiforbrugsdata for fabrikker, kontorer og butikker i Norden. Data anvendes aktivt til at identificere trends, afvigelser og muligheder for energioptimering og har blandt andet dannet grundlag for analyser af energiforbrug i butikker og drift uden for åbningstid.”

Annual report 2026A · The company itself

“We continue to recruit talent from traditional industries, such as manufacturing and consulting, and have been successful in attracting talent from non-traditional industries, specifically the technology industry. This is important as we build our expertise in growth areas such as software, electrification and adjacent technologies, and integrated services.”

Annual report 2025A · The company itself

“As a result of our geographic and industry diversity, we face a variety of opportunities and challenges, including technological development in most of the markets we serve, the expansion and evolution of opportunities in growing markets, trends and costs associated with a global labor force, trade policies, and consolidation of our competitors.”

Annual report 2025A · The company itself

“We have developed strategies and initiatives anchored in our core values to prioritize attracting and retaining top talent, promoting an inclusive workplace, driving good decision-making and igniting innovation, all of which we believe are important to our long-term success.”

Annual report 2025A · The company itself

“Our continued success in effectively managing and growing our business depends on our ability to integrate our varied accounting, financial, information, and operational systems on a global basis. Moreover, adapting or developing the existing technology systems we use to meet our internal needs, as well as client needs, industry demands and new regulatory requirements, is also critical for our business.”

Annual report 2025A · The company itself

“Risker förknippade med teknisk utveckling Som alla spelförlag är G5 beroende av teknisk utveckling. G5 måste kontinuerligt anpassa sig till ny teknik för spel utveckling, nya distributionsmodeller baserade på ny teknik, osv.”

Annual report 2024A · The company itself

“A significant portion of our revenue has been, and we expect in the future will continue to be, derived from sales of newly introduced products. The market for our products is characterized by rapidly changing technology, evolving industry standards and regulations and changes in customer needs.”

Annual report 2025A · The company itself

“Garmin Connect+ offers premium features, including personalized insights and performance dashboards, to users on a subscription basis. The Connect IQ™ application development platform enables third parties to create a variety of applications that run on a wide assortment of Garmin devices.”

Annual report 2025A · The company itself

“Strategins grundpelare bygger på långsiktiga affärer, innovativ produktutveckling samt djup produktions- och materialkunskap. Målet är att erbjuda unika helhetslösningar som är inriktade mot elbranschen och som aktivt bidrar till omställningen mot förnybara bränslen och elektrifiering i samhället.”

Annual report 2024A · The company itself

“The market for our products and services is characterized by rapidly changing needs for information and analysis. The development of new products is a complex and time-consuming process. Nonetheless, to maintain our competitive position, we must continue to anticipate the needs of our clients, develop, enhance, protect, and improve our existing products, as well as new products and services to address those needs, deliver all products and services in a timely, user-friendly and state of the art manner, and appropriately position and price new products and services relative to the marketplace and our costs of developing them.”

Annual report 2025A · The company itself

“Combat Systems creates long-term value through operational excellence — high-quality, on-schedule and on-budget performance — combined with investments in innovative technologies that modernize existing platforms and develop next-generation capabilities to meet our customers’ rapidly evolving requirements. We maintain our market-leading position by focusing on innovation, affordability and speed to market to deliver increased survivability, mobility and lethality on the battlefield.”

Annual report 2025A · The company itself

“Across our portfolio we are investing in innovative new technologies to modernize legacy platforms and introduce all-new capabilities to ensure the ground forces of the United States and its allies maintain their superiority on the battlefield of the future. This includes partnering with commercial technology companies, developing future platforms with digital open-architecture frameworks, and modernizing our manufacturing capabilities to enable rapid, agile upgrading of systems to address emerging threats.”

Annual report 2025A · The company itself

“At the center of these efforts is GDIT’s development of secure, tailorable and scalable digital solutions, known as our Digital Accelerators. These Digital Accelerators are at the forefront of technological trends and are designed to accelerate customers’ adoption and 13 integration of advanced technologies to meet unique mission needs.”

Annual report 2025A · The company itself

“Guided by our purpose to make food the world loves, we are executing our Accelerate strategy to drive sustainable, profitable growth and top-tier shareholder returns over the long term. The strategy focuses on four pillars to create competitive advantages and win: boldly building brands, relentlessly innovating, unleashing our scale, and standing for good.”

Annual report 2026A · The company itself

“Additionally, in undertaking the transformation plan for our business, we have integrated our strategic initiatives into a cohesive business model which balances competing priorities. If we are unable to continue to implement these strategic initiatives, such as our technology, supply chain and sales effectiveness initiatives, efficiently and effectively, or if these strategic initiatives are unsuccessful, our business, financial condition, results of operations and cash flows could be adversely affected. To facilitate this transformation plan, we are continuing to make substantial investments, recruit new talent, and optimize our business model, management system, and organization.”

Annual report 2025A · The company itself

“Både privat- og næringslivskunder foretrekker i økende grad å kjøpe forsikring og melde skader digitalt.”

Annual report 2024A · The company itself

“Utvikling innen AI-teknologi og avansert analyse skaper nye muligheter for effektivisering og styrkede verdiforslag. Evne til å samle, analysere og bruke nye og eksisterende data blir viktig for å sikre konkurransefortrinn. Kundene forventer at data som er tilgjengelig (og der samtykke er gitt) brukes for å gi råd og tilpasse løsninger som er tilpasset kunden og deres behov.”

Annual report 2024A · The company itself

“Vi distribuerer i hovedsak gjennom digitale og fysiske kanaler hvor vi har direkte kontakt med kundene, men også gjennom partnere der det er hensiktsmessig. Uavhengig av distribusjonsløsning søker vi alltid direkte kundedialog for å kunne skape trygghet og videreutvikle kunderelasjoner.”

Annual report 2024A · The company itself

“En stadig større andel av skadebehandlingen foregår automatisk, ved hjelp av algoritmer bygget inn i vårt kjernesystem. Dette er mulig takket være et langsiktig arbeid med forenkling og strukturering av skademeldinger, som gjør det mulig for kundene å registrere skader digitalt, enten med mobiltelefon eller PC. Automatisert skadebehandling gjør at kundene får raskere svar på sine skadesaker, og vår erfaring er at oppgjørene dermed blir nøyaktige og riktige.”

Annual report 2024A · The company itself

“Samtidig ser vi at stadig flere kunder, særlig i privatmarkedet, foretrekker digitale selvbetjeningsløsninger. I løpet av året fortsatte vi å forbedre kundebetjeningen både i kundesentre og digitale flater, blant annet ved hjelp av kunstig intelligens.”

Annual report 2024A · The company itself

“Vi skal være det enkleste selskapet for kundene å bruke og forholde seg til gjennom hele kundereisen. Dette innebærer at vi i alle deler av kundereisen skal se etter og identifisere muligheter for å forenkle kundenes opplevelse av kundeforholdet.”

Annual report 2024A · The company itself

“Med vår lange historie og store kundebase har vi en omfattende erfaringshistorikk for beregning av risiko og priser. I tillegg har vi gjennomført klimascenario-analyser som gir oss mulighet til å beregne priser basert på fremadskuende scenarier, og ikke bare historisk statistikk.”

Annual report 2024A · The company itself

“Så langt det er mulig skal vi også bidra til redusert ressursbruk. I dette arbeidet innfører vi stadig mer automatisering og standardisering, slik at vi kan oppdatere priser raskere, og vurdere risiko bedre enn tidligere.”

Annual report 2024A · The company itself

“Vi har bidratt med kompetanse og skadestatistikk i flere forskningsprosjekter.”

Annual report 2024A · The company itself

“VIDERE IMPLEMENTERING AV NYTT KJERNESYSTEM Gjensidige utvikler et nytt kjernesystem – IDIT – for skadeforsikring. Med IDIT får vi en plattform som på sikt vil gi oss fleksibilitet når det skal utvikles nye produkter og tjenester for å gi bedre kundeopplevelser. Det nye kjernesystemet vil styrke vår lønnsomhet og konkurransekraft.”

Annual report 2024A · The company itself

“2024 er resultat av forbedringsinitiativer i Norge og Danmark, inkludert overføring av beste praksis mellom landene. Forbedrede digitale kundeløsninger og styrket implementering av det nye kjernesystemet i Danmark samt organisatoriske tilpasninger er blant de viktigste driverne for forbedringen.”

Annual report 2024A · The company itself

“DTC's long-term growth has been fueled by consistent innovation and brand awareness.”

Annual report 2025A · The company itself

“DTC net sales increased 5% to $112 million in 2025, compared with $106 million for the same period a year ago. This increase is the result of new technology and improvement in conversion of customer inquiries into sales, as noted above, with the expectation that we are not incurring incremental underwriting risk.”

Annual report 2025A · The company itself

“New technologies and product development Glunz & Jensen's products are based on many years of development for the Offset and Flexo printing. Insight into the industry's process needs and production technologies is crucial to the Company's ability to maintain customer loyalty.”

Annual report 2025A · The company itself

“Less physical space, more tech supporting productivity anywhere”

Annual report 2025A · The company itself

“Hybrid work and GenAI adoption • Less physical space, more tech supporting productivity anywhere”

Annual report 2025A · The company itself

“Growth in 2026 will be supported by the launch of next-generation solutions for video and audio collaboration. Our updated video portfolio targeting the rapidly expanding market for intelligent meetings will enable us to serve all room sizes.”

Annual report 2025A · The company itself

“In 2025, GN invested DKK 1.9 billion in research and development.”

Annual report 2025A · The company itself

“Our Hearing division outperformed the market with 5% organic growth, our Enterprise division maintained its leadership in difficult markets with -6% organic growth, and our Gaming division battled equally challenging conditions with -2% organic growth and winning market share.”

Annual report 2025A · The company itself

“Our Enterprise division defended its leadership position with a broad portfolio engineered to address key customer needs and daily pains in enterprises of all sizes and built for Unified Communications with enterprise grade quality and security.”

Annual report 2025A · The company itself

“Our Identity solutions blend seamlessly into our Presence-based solutions to help our customers manage and grow their Presence online and offline. Our suite of Presence-based solutions, enhanced by Airo, enables our customers to market their products and services, connect with their own customers and syndicate their business across relevant third-party products and platforms. Our Presence solutions and tools include website building and hosting, social media, search engine visibility, security and other services.”

Annual report 2025A · The company itself

“We manage and report our business in the following two segments: •Applications and Commerce (A&C), which primarily consists of sales of products containing our proprietary software, notably our website building products, our proprietary commerce solutions and third-party email and productivity solutions, as well as sales of certain products when they are included in bundled offerings of our proprietary software products.”

Annual report 2025A · The company itself

“Managed WordPress is our streamlined, optimized website building experience that allows our customers to easily build and manage a WordPress site. Managed WordPress is designed for customers seeking greater flexibility and power than our Websites + Marketing solution. With our Managed WordPress site, we manage the administrative tasks for our customers, allowing them to spend more time building and growing their business.”

Annual report 2025A · The company itself

“Core Entrepreneurial Needs We Serve - Meeting our Customers at Every Phase of the Entrepreneur's Wheel While our customers' needs change depending on where they are in their journey, the most common customer needs we serve include: Identity. Our customers want to develop an identity by finding a name that distinctly identifies their business, hobby or passion.”

Annual report 2025A · The company itself

“Presence. Presence represents the need of our customers to present themselves to their customers, which they do through an ever-expanding set of options through their website and across various marketing channels, email, marketplaces and social media.”

Annual report 2025A · The company itself

“Table of Contents •Core primarily consists of sales of domain registrations and renewals, aftermarket domain sales, website hosting products and website security products when not included in bundled offerings of our proprietary software products as well as sales of products not containing a software component.”

Annual report 2025A · The company itself

“Performance Obligations Our contracts with customers may include multiple performance obligations, including a combination of some or all of the following products: domain registrations, website hosting products, website building products, website security products and other cloud-based products.”

Annual report 2025A · The company itself

“The growth of electronic trading and the introduction of new products and technologies, including trading and distributed ledger technologies, such as cryptocurrencies, and AI technologies, has increased competition. Technology is fundamental to our business and our industry. The growth of electronic trading and the introduction of new technologies is changing our businesses and presenting us with new challenges.”

Annual report 2025A · The company itself

“In addition, the increased use by our clients of low-cost electronic trading systems and direct electronic access to trading markets has caused and could continue to cause a reduction in commissions and spreads. As our clients increasingly use our systems to trade directly in the markets, we may incur liabilities as a result of their use of our order routing and execution infrastructure.”

Annual report 2025A · The company itself

“We may not be as timely or successful in developing or integrating, or even able to develop or integrate, new products and technologies, such as those built on distributed ledgers or AI technologies, into our existing products and services, adapting to changes in client preferences or achieving market acceptance of our products and services. For example, our competitors may be more timely or successful in developing or integrating AI technologies to increase their productivity and reduce their costs or to provide better transaction execution or improved products and services to clients. Any of the foregoing could affect our ability to attract or retain clients, cause us to lose market share or result in service disruptions and in turn reduce our revenues or otherwise adversely affect us.”

Annual report 2025A · The company itself

“Growth is driven by demand for greener production, lower unit cost, safeguard workplaces and production efficiencies. The Group is experiencing strong demand for its expertise as available technology and increased insight into operational data enables competitive Nordic production.”

Annual report 2024A · The company itself

“Goodtech still aims to be the leading Nordic industrial automation player, and will therefore establish a new company – Goodtech AB, in Sweden in 2025 which will be the platform for growth within the same segments as Goodtech’s Norwegian operations. This growth will come at a higher value chain-layer than the exited business area, more focused on software implementation, large-project management, and digital transformation advisory.”

Annual report 2024A · The company itself

“The growth in EBIT is attributed to improvement initiatives and strategic repositioning undertaken from 2021 to 2024. The company has focused on streamlining internal processes, automation, standardization, service & aftermarket operations, and cross-regional collaboration.”

Annual report 2024A · The company itself

“Annual Report 2024 6 For over 100 years, Goodtech has provided solutions to Nordic industrial companies to optimize their production. We see that the Group's local presence, expertise, and experience in operational technology (OT) serve as a competitive advantage. The opportunities within OT revolve around using data to optimize and build market-leading production. Industrial companies often seek strategic partners like Goodtech to drive better management, secure data flow, and, most importantly, gain insights into continuous and granular operational data in order to improve and safeguard operation.”

Annual report 2024A · The company itself

“Annual Report 2024 21 Statement from Board of Directors and CEO Goodtech is one of the leading specialists in control systems, digitalization, and production optimization for the manufacturing industry. With around 300 skilled engineers and specialists across 12 offices in Norway and Sweden, the company plays an active role in modernizing, streamlining, and - most importantly - driving the critical digital transformation currently taking place in Nordic industry.”

Annual report 2024A · The company itself

“// GROUP OPERATIONS Annual Report 2024 23 Projects and Frame Agreements Throughout 2024, Goodtech has driven several milestone projects in automation, robotics, digitalization, and electrification in Norway and Sweden, enabling profitable production in the Nordic region.”

Annual report 2024A · The company itself

“Digitalisation and Technology Development Goodtech continued its investment in innovation and technology development throughout 2024, with a focus on: •Manufacturing Execution Systems (MES) •Cyber Security Management Systems (CSMS) •Unified Namespace (UNS) The company’s proprietary MES system is already used in fish feed production in Norway, Sweden, and internationally in countries like Spain and the UK. Additionally, Goodtech houses the largest competency pool of experts in AVEVA’s model-driven MES-solutions and TrakSYS’ MES systems.”

Annual report 2024A · The company itself

“Unified Namespace (UNS) is expected to significantly improve efficiency in coding control systems for production industries. As a result, Goodtech has been actively developing internal expertise and delivering customer projects in this area.”

Annual report 2024A · The company itself

“Digitalisering Genom en ökad digitalisering kan stora värden skapas för Green Landscaping Group. De olika bolagens verksamheter och behov påminner om varandra i en så stor utsträckning att de med begränsade egna insatser kan dra fördel av digitala verktyg som utvecklats inom koncernen. Det finns därför goda förutsättningar att driva digitalisering med centrala resurser som tillsammans med bolagen utforskar och implementerar digitala verktyg och arbetssätt.”

Annual report 2024A · The company itself

“Digitaliseringen erbjuder också nya möjligheter, genom att en allt mer resurseffektiv produktion uppnås.”

Annual report 2024A · The company itself

“Our key focus points for 2026 are: - Market Leadership: To continue expanding our customer base as an integrated part of urban transport needs in larger Copenhagen and Aarhus. - Technological Evolution: To leverage data from millions of trips and invest in new software to enhance user experience and operational efficiency.”

Annual report 2025A · The company itself

“Som en del av detta åtagande kombinerar Gränges traditionella verksamhetsförbättringar med avancerade tekniska lösningar. Vår tyngdpunkt ligger på datadrivet beslutsfattande, samt på att förbättra säkerhet, produktivitet, flexibilitet och kvalitet genom automatisering av rutinmässiga processkontroller.”

Annual report 2024A · The company itself

“Our onshore employ - ees are communicating with people around the world digitally, while our vessels have installed several technological initi - atives such as live data collection to optimise perfor - mance • Heavy reliance on technology will cause us to be prone to cy - bersecurity attacks and data breaches • Continually enhance our cyber defence across our people and processes, through identifying potential vulnerabilities and con - ducting training for employees to raise their awareness • Since the onset of the Covid-19 pandemic, we have adopted a flexible working arrangement.”

Annual report 2022A · The company itself

“We have recently revamped our corporate website to allow a more intuitive and friendly interface. The new website has a dedicated ‘Investor Relations’ segment designed by a specialist company, which features (but is not limited to) key financial informa - tion, including: • Hafnia investment overview • Latest and historical financial results • Investor presentations • Share price data • Financial calendar • Analyst coverage • Top 20 shareholders (automated) • Investor news Interested parties can sign up to relevant information on both the corporate site and the investor relations site.”

Annual report 2022A · The company itself

“Drilling and Evaluation provides field and reservoir modeling, drilling, fluids, evaluation and precise wellbore placement solutions that enable customers to model, measure, drill, and optimize their well construction activities.”

Annual report 2025A · The company itself

“-Halliburton Project Management: provides integrated solutions by leveraging the full line of our well construction, well completion, and well intervention services to solve customer challenges throughout the entire well lifecycle, including project management and integrated asset management. -Landmark Software and Services: provides cloud based digital services and artificial intelligence solutions on an open architecture for subsurface insights, integrated well construction, and reservoir and production management. -Sperry Drilling: provides drilling systems and services that offer directional control for precise wellbore placement while providing important measurements about the characteristics of the drill string and geological formations while drilling wells.”

Annual report 2025A · The company itself

“These services include directional and horizontal drilling, measurement-while-drilling, logging-whiledrilling, surface data logging, and rig site information systems. -Testing and Subsea: provides acquisition and analysis of dynamic reservoir information and reservoir optimization solutions through a broad portfolio of well testing tools, data acquisition services, fluid sampling, surface well testing, subsea safety systems via modular and scalable systems that simplify complex subsea operations and a range of managed pressure drilling solutions like underbalanced drilling, rotating control devices and continuous circulating systems.”

Annual report 2025A · The company itself

“Tech Solutions heter enheten för forskning och utveckling och här finns ett dedikerat team av ingenjörer och experter som är specialiserade på att driva kunders innovationer från koncept till färdig produkt med konkurrenskraftiga lösningar.”

Annual report 2024A · The company itself

“Planmæssig fremdrift med ERP-projektet, som forventes endeligt lanceret i det kommende regnskabsår 2026/27”

Annual report 2026A · The company itself

“Technology providers, including human resources platform vendors, are taking an increasingly prominent role in influencing customer decisions that also influence selection of the employee benefits insurance provider. Carriers across the industry are increasing automated interfaces and digital workflows to meet distributor and employer expectations and to improve service and claim experiences.”

Annual report 2025A · The company itself

“Within this competitive environment, The Hartford is continuing to invest in its underwriting systems and capabilities, including investing in speed to market solutions, enhancing its digital experience, leveraging its sales and underwriting talent and expanding its use of data analytics, artificial intelligence capabilities and third party data to make expert risk selection and pricing decisions as the firm pursues responsible growth strategies to deliver target returns.”

Annual report 2025A · The company itself

“The Company has rolled out its new cloud-based product and platform, Prevail, which is now in market in nearly all states. In mid-2025, Prevail was also introduced in the agency distribution channel and it will continue to roll out over time with 30 state launches planned by early 2027. Prevail is tailored to the mature market and includes digital service capabilities that provide real time transaction support.”

Annual report 2025A · The company itself

“In order to differentiate itself, Employee Benefits uses its risk management expertise and economies of scale to derive a competitive advantage. Competitive factors include the extent of products offered, price, the quality of customer and claims handling services, digital capabilities, and the Company's relationship with third-party distributors and private exchanges.”

Annual report 2025A · The company itself

“Our business may be disrupted by failures to effectively maintain or update existing technologies, implement new technology, automate business processes or use emerging technologies (e.g. artificial intelligence).”

Annual report 2025A · The company itself

“The integration of saunas into smart homes opens new revenue streams and value propositions.”

Annual report 2025A · The company itself

“diverse brand portfolio and enable smarter sauna solutions. It ensures better device management and seamless connectivity for the current and future products.”

Annual report 2025A · The company itself

“For example, with the use of influencers and media outlets such as Tik Tok, new participants with a popular product idea can gain access to consumers and become a significant source of competition for our products in a very short period of time.”

Annual report 2025A · The company itself

“Part of our strategy is to increase our reach with our consumers through direct-to consumer relationships created through ecommerce, social media, digital games and services.”

Annual report 2025A · The company itself

“Health care technology initiatives, particularly those related to sharing patient data and interoperability and AI, involve risks that may adversely affect our operations. • Failure to effectively manage change associated with our technology, resiliency and other initiatives, including with respect to the implementation of a new electronic health record (“EHR”) platform, may adversely affect our business, services and results of operations.”

Annual report 2025A · The company itself

“Trends toward clinical and pricing transparency may impact our competitive position, ability to obtain or maintain favorable contract terms and patient volumes in ways that may be difficult to predict. For example, hospitals are required to publish a list of their standard charges for all items and services, including gross charges, discounted cash prices and payer-specific and de-identified minimum and maximum negotiated charges, in a machine-readable, publicly accessible online file. In addition, CMS websites make available to the public data submitted by hospitals, home health agencies, hospices, and other Medicare-certified providers in connection with Medicare reimbursement claims, including performance data on quality measures and patient satisfaction.”

Annual report 2025A · The company itself

“Our strategy also emphasizes investments that seek to advance our clinical systems and digital capabilities, transform care models with innovative care solutions, expand our workforce development programs and enhance our health care networks and partnerships.”

Annual report 2025A · The company itself

“Additionally, traditional health care supply and distribution relationships are being challenged by online commerce solutions. The continued advancement of online commerce by third parties and online price transparency requires us to costeffectively adapt to changing technologies, to enhance existing services and to differentiate our business (including with additional value-added services) to address changing demands of consumers and our customers.”

Annual report 2025A · The company itself

“Our mission is to provide innovative, integrated health care products and services; and to be trusted advisors and consultants to our customers - enabling them to deliver the best quality patient care and enhance their practice management efficiency and profitability.”

Annual report 2025A · The company itself

“Our BOLD+1 Strategic Plan consists of the following: • Build (“B”) Complementary software, specialty, and services businesses for high growth • Operationalize (“O”) One Distribution to deliver exceptional customer experience, increased efficiency, and growth • Leverage (“L”) One Schein to broaden and deepen relationships with our customers • Drive (“D”) Digital transformation for our customers and for Henry Schein • +1 Create value for our stakeholders To accomplish this, we apply our competitive strengths in executing the following strategies: • Increase penetration of our existing customer base.”

Annual report 2025A · The company itself

“In particular, we are focused on continuing to grow our Henry Schein specialty brands and technology and value-added services solutions both organically and inorganically, and to drive greater efficiencies.”

Annual report 2025A · The company itself

“The internally generated local currency increase of 6.7% in Global Technology sales was primarily attributable to the adoption of our core practice management solutions, particularly our cloud-based platforms, as well as an increase in revenue cycle management solutions.”

Annual report 2025A · The company itself

“A key element to grow closer to our customers is our One Schein initiative, which is a unified go-to-market approach that enables practitioners to work synergistically with our supply chain, equipment sales and service and other value-added services, allowing our customers to leverage the combined value that we offer through a single program. Specifically, One Schein provides customers with streamlined access to our comprehensive offering of national brand products, corporate brand products and proprietary specialty products and solutions (including implant, orthodontic and endodontic products). In addition, customers have access to a wide range of services, including software and other value-added services.”

Annual report 2025A · The company itself

“We also source or manufacture other medical and dental health care products and services that are sold to customers, including handpiece and small equipment, rotary, hand instruments, repair services, restoratives and preventives, as well as certain other health care-related consumable merchandise products and services. • We sell practice management, business analytics, revenue cycle management, clinical workflow, artificial intelligence, patient engagement and patient demand creation software solutions to our dental customers. Our practice management solutions provide practitioners with electronic medical records, patient treatment history, analytics, billing, accounts receivable analyses and management, appointment calendars, revenue cycle management, clinical workflow, electronic claims processing, network and hardware services, e-commerce and electronic marketing services, e-Prescribe medications and prescription solutions, sourcing third party patient payment plans, and transition services and training and education programs for practitioners.”

Annual report 2025A · The company itself

“Global Technology includes development and distribution of practice management software, e-services and other products, which are distributed to health care providers.”

Annual report 2025A · The company itself

“Recently introduced strategic initiatives include our efforts to continue to expand our presence in digital commerce, to transform our manufacturing, commercial and corporate operations through digital technologies and to enhance our data analytics capabilities to develop new commercial insights.”

Annual report 2025A · The company itself

“We operationalized the final phase of our multi-year implementation of a new global enterprise resource planning (“ERP”) system in April 2024, by implementing the new system in the North America Confectionery segment and select business units included in our International segment. This ERP system replaced our legacy operating and financial systems and is designed to accurately maintain the Company’s financial records, enhance operational functionality and provide timely information to the Company’s management team related to the operation of the business.”

Annual report 2025A · The company itself

“8 Innehåll Inledning Strategi Divisioner HållbarhetBolagsstyrning RegelefterlevnadFörvaltningsberättelse Finansiell information Övrig information Hexagons års- och hållbarhetsredovisning 2024 2 Medarbetare Verksamhetsländer 50+ Kassagenereringsförmåga 91% Rörelsemarginal, EBIT1 30% EUR intäkter 5,4 mdr Hexagon i siffror 2024 Hexagon stärker sina kunder i deras arbete med att lösa världens viktigaste utmaningar Manufacturing Intelligence, 36% Asset Lifecycle Intelligence, 15% Geosystems, 29% Autonomous Solutions, 10% Safety, Infrastructure & Geospatial, 9% Intäkter per division Intäkter per geografi Genom att sätta data i arbete förbättrar Hexagon effektivitet, produktivitet, kvalitet och säkerhet inom olika tillämpningar, inklusive industriell tillverkning, infrastrukturutveckling, offentlig förvaltning och mobilitetslösningar.”

Annual report 2024A · The company itself

“Genom plattformar kopplar Hexagon samman mjukvara, sensorer och ekosystem, vilket möjliggör dataflöden och samarbete i realtid.”

Annual report 2024A · The company itself

“Hexagon levererar sensorer, mjukvara och data till sina kunder. 57 procent av försäljningen kommer från mjukvara och tjänster.”

Annual report 2024A · The company itself

“Koncernen besitter en djup och bred polymer- och applikationskompetens. Merparten av anläggningarna är relativt nya och välinvesterade med hög tekniknivå. Totalt arbetar cirka fem procent av de anställda inom HEXPOL Compounding med utvecklingsarbete och många är högutbildade ingenjörer.”

Annual report 2024A · The company itself

“Automaatio, robotisaatio, digitalisaatio ja etäpalvelut vähentävät fyysisen läsnäolon tarvetta tai poistavat sen.”

Annual report 2025A · The company itself

“Tutkimus ja kehitys Tutkimus- ja tuotekehitysmenot vuonna 2025 olivat 37 (39) miljoonaa euroa eli 2 (2) prosenttia liikevaihdosta.”

Annual report 2025A · The company itself

“Ratkaisut hyödyntävät liitettävyyttä, datapohjaisia palveluita sekä sähköistymistä ja edistyneitä ohjausjärjestelmiä.”

Annual report 2025A · The company itself

“We manage a global reservation system that communicates reservations to our branded and strategic partner hotels when made by individuals directly, either online, by telephone to our call centers, through devices via our mobile application, or through intermediaries like travel agents, internet travel websites and other distribution channels. The cost, speed, efficacy and efficiency of the reservation system are important aspects of our business and are important considerations of hotel owners in choosing to affiliate with our brands.”

Annual report 2025A · The company itself

“Rahasto panostaa teknologiayrityksiin, jotka muuttavat ruokaketjua resurssitehokkaammaksi ja ekologisemmaksi, tuottavat ravintoa uusilla tavoilla tai edistävät terveellistä syömistä.”

Annual report 2025A · The company itself

“Through our technology infrastructure, we are able to provide an improved overall shopping and interconnected experience that empowers our customers to shop and interact with us from a variety of electronic devices and digital platforms at each stage of their shopping journey. We use our digital platforms as sales channels for our products and services, as methods of providing inspiration, and as sources of product, project, and other relevant information to our customers to help drive sales.”

Annual report 2026A · The company itself

“Capital expenditures supporting growth opportunities in fiscal 2026 are expected to focus on projects related to infrastructure, new data and technology, and equipment upgrades. Capital expenditures for fiscal 2026 are estimated to be $260 million to $290 million.”

Annual report 2025A · The company itself

“Research and Development Expenses: Research and development costs are expensed as incurred and are primarily included in Selling, General, and Administrative. Research and development expenses incurred for fiscal 2025, 2024, and 2023 were $35.2 million, $36.1 million, and $33.7 million, respectively.”

Annual report 2025A · The company itself

“The Company is in the midst of a multi-year transformation project to achieve better analytics, customer service, and process efficiencies through the use of Oracle Cloud Solutions. During the fourth quarter of fiscal 2024, the Company began implementing the order-to-cash phase at certain business locations. Implementation is expected to continue into fiscal 2026.”

Annual report 2025A · The company itself

“Cecil Coworking är Hufvudstadens egna coworkinganläggning, belägen i bästa läge i Bibliotekstan. Anläggningen omfattar cirka 3 200 kvm och har plats för 300 medlemmar.”

Annual report 2024A · The company itself

“Pursuing scalability through digitalisation and automation across sales, procurement, design and construction”

Annual report 2025A · The company itself

“HusCompagniet’s digital vision is to continuously enhance customer experience while building a scalable platform that differentiates us in the market. By leveraging our size and scale, we aim to become a digital front-runner, offering personalised products and innovative services tailored to customer needs.”

Annual report 2025A · The company itself

“Key digital initiatives in 2025 included preparation for a new customer experience platform integrating “MitHus” and our website to create a self-service digital platform universe. We also strengthened HusOnline as a separate sales channel and lead generator, simplifying the home-building process and expanding accessibility.”

Annual report 2025A · The company itself

“HusCompagniet has nine offices with showrooms and more than 30 show houses in Denmark and Sweden. Our offering includes FORMIUM, our high-end brand for exclusive detached houses, and HusOnline, a digital online sales platform for detached houses.”

Annual report 2025A · The company itself

“Digitalisering ökar risken att traditionella affärsmodeller störs av nya marknadsaktörer, som kan ha nya produkt (eller service) erbjudanden och/eller effektivare go-to-market strate - gier.”

Annual report 2024A · The company itself

“Operationell ambition nr 3 Operationell ambition nr 4 Vi strävar mot fortsatt tillväxt inom vårt vinnande kärnerbjudande Vi strävar mot att nå 6 miljoner uppkopplade produkter till 2026 Under 2024 nådde vi 4,9 (4,5) miljoner uppkopplade enheter drivet av försäljning av uppkopplade produkter såsom robotgräsklippare och smarta bevattningslösningar.”

Annual report 2024A · The company itself

“Koncernens strategi baseras på produktinnovation, utnyttjande av starka varumärken och en global distribution för att skapa differentierade erbjudanden för produkt och lösningar för de olika slutkundssegmenten. Långsiktig lönsamhet är beroende av förmågan att framgångsrikt utveckla, tillverka och marknadsföra nya produkter och lösningar som möter kundens behov och priskrav.”

Annual report 2024A · The company itself

“Delivering 2 of the 10 largest renewable projects in the world (excl. China) In 2024 we manufactured the main components for the  delivered all electrolyzer stacks and gas separators to the  Pilot testing of 3 rd generation technology  rd generation technology has commenced with a detailed validation process that started on November 1 st  additional instrumentation has been installed, including individual cell voltage measurements and a Coriolis instrument  successfully been in operation for 1000 hours testing our last generation of electrodes. Next step is to proceed with fullstack validation through a joint full-scale validation program with Andritz in Q1 2025.”

Annual report 2024A · The company itself

“We are actively embracing advances within big data processing, computing power, cloud technology and AI. These are enabling digital transformation of our core processes in customer interactions, voyage management as well as cargo and vessel operations< < !""#$%&'()*+,&-.-/&0&!1*#,&23(45&0&Strategy and business B*+)*+$,(&)#+)*:( M%$"(, 6$;%;"4&>*+&:#:,$;"$1;%;,7H B*+)*+$,(&)#+)*:( As a shipping company operating worldwide, we need to take responsibility for the environment we operate in, and sustainability has been and is at the core of our operations.”

Annual report 2024A · The company itself

“And it continues today—we create sustained value for clients by helping them leverage the power of hybrid cloud and artificial intelligence (AI). Our hybrid cloud platform and AI technology support clients’ digital transformations and helps them reimagine critical workflows, at scale, and modernize applications to increase agility, drive innovation and create operational efficiencies.”

Annual report 2025A · The company itself

“Consulting integrates strategy, experience design, technology and operations expertise by domain across industries to deliver transformation for clients. Consulting operates in a highly competitive, dynamic market that spans business consulting, systems integration, application development and management, and business process outsourcing services.”

Annual report 2025A · The company itself

“The core competencies of IDEX Biometrics are characterized by deep domain expertise and a multi-disciplined, systems engineering approach, and build on organizational strengths in the following domains: biometric imaging and processing, sensor architectures, integrated circuit design, materials, manufacturing, and packaging, algorithm, firmware, and software development, encryption technologies, NFC and power management and industrial design.”

Annual report 2024A · The company itself

“IDEXX point-of-care analyzers feature load-and-go sample handling and integration with a cloud-enabled software ecosystem, including the IDEXX VetLab Station and VetConnect PLUS.”

Annual report 2025A · The company itself

“Our research and development expenses, which consist of salaries, employee benefits, certain licensing agreements, materials and external consulting and development costs, were $251.2 million for the year ended December 31, 2025, or 5.8% of our consolidated revenue, $219.8 million for the year ended December 31, 2024, or 5.6% of our consolidated revenue, and $191.0 million for the year ended December 31, 2023, or 5.2% of our consolidated revenue.”

Annual report 2025A · The company itself

“We offer products and services that collect and use personal data, including veterinary practice management systems, online customer communication tools and services, VetConnect PLUS, and two-way integration technology.”

Annual report 2025A · The company itself

“Digitalisering, automatisering och hållbarhet är underliggande drivkrafter som påverkar tillväxten inom de marknader där Image Systems verkar.”

Annual report 2024A · The company itself

“IMAGE SYSTEMS ÅRSREDOVISNING 2024 TEKNOLOGI Parallellt med våra försäljningsansträngningar har bolaget fortsatt utvecklingen av en ny mjukvaruplattform. Denna plattform skall ersätta de befintliga produkterna TEMA och TrackEye och samtidigt ge utökade möjligheter till utveckling av nya funktioner.”

Annual report 2024A · The company itself

“Produktinnovation i hållbar riktning För att stimulera innovation av nya hållbara produkter är ambitionen att börja följa upp hur stor andel av nettoomsättningen som kommer från produkter som lanserats de senaste fem åren. Vi följer upp i vilken mån våra bolag har en dokumenterad målsättning att förbättra resurseffektiviteten i samband med produkt- och tjänsteutveckling. Årets mätning visade att 69 (65) procent av bolagen har en sådan målsättning och vår ambition är att andelen ska öka varje år.”

Annual report 2024A · The company itself

“Controls and Software Equipment controls and software are of increasing importance in our flow control applications for both the optimization of current systems as well as to enable the Industrial Internet of Things (“IIoT”) evolution. In the agriculture market, we sell controllers and software that monitor and control the main functions within livestock and greenhouse facility operations with the benefit of reducing cost and improving yield. In natural gas pipelines and distribution, we sell monitoring devices connected to cloud-based software for real time monitoring of odor injection pumping systems, which enhances safety and reduces costs.”

Annual report 2025A · The company itself

“Installationerna blir därmed en allt större och viktigare del av byggprocessen och installationstjänsternas andel av den totala byggkostnaden ökar för varje år. Digitaliseringstrenden gynnar aktörer som har bred teknisk kompetens.”

Annual report 2024A · The company itself

“Under 2024 startade Instalco ett nytt aärsområde inom automation. Satsningen görs genom det nystartade bolaget Inmatiq enligt Instalcos väl beprövade start up-modell.”

Annual report 2024A · The company itself

“In 2026, we launched Omnipod Discover, a data analytics and reporting platform designed to give users, their caregivers, and health care providers actionable insights. Omnipod Discover helps to identify trends and is intended to provide supplemental data to support diabetes management for Omnipod 5 users and to aid healthcare providers in patient care.”

Annual report 2025A · The company itself

“These risks include, among others, potential liability from disputes over terms of a trade and the claim that a system failure or delay caused monetary loss to a participant or that an unauthorized trade occurred. For example, dissatisfied market participants that have traded on our electronic platforms or those on whose behalf such participants have traded may make claims regarding the quality of trade execution, or allege improperly confirmed or settled trades, abusive trading practices, security and confidentiality breaches, mismanagement or even fraud against us or our participants. In addition, because of the ease and speed with which sizable trades can be executed on our electronic platform, participants can lose substantial amounts by inadvertently entering trade orders, by entering them inaccurately or in the event of system issues.”

Annual report 2025A · The company itself

“Technology Technology is a key component of our business strategy and competitive position and we regard effective execution of our technology initiatives as crucial to our sustainable business operations, market competitiveness, compliance and risk management and overall success. Our technology solutions support our customers' workflows: trading and clearing technology, multi-asset class analytics, risk assessment tools, robust data offerings, mortgage technology, instant messaging capabilities and flexible connectivity and delivery solutions.”

Annual report 2025A · The company itself

“In addition, as the industry rapidly evolves to accommodate digital finance, we will need to innovate quickly or risk being placed at a competitive disadvantage, especially if certain providers of digital asset solutions are allowed to operate under different 25 regulatory standards or requirements.”

Annual report 2025A · The company itself

“We may fail to identify, prioritize or implement digital and/or AI transformation initiatives. We may fail to identify, prioritize or implement digital and/or AI transformation initiatives across our operations, including areas such as product design, materials sourcing, manufacturing, logistics, and customer delivery.”

Annual report 2025A · The company itself

“Digitalisering i fokus Europeiska företag fokuserar alltmer på att dra nytta av de möjligheter som digitalisering, inklusive AI, erbjuder. Konsumenter har en öppen inställning till AI-lösningar, men är vaksamma när det gäller integritetsfrågorna.”

Annual report 2024A · The company itself

“Dessutom har Inio, vår egenutvecklade digitala plattform för fakturerings- och betalningslösningar, introducerats på den svenska marknaden – och med initiativ på gång för en bredare lansering i Skandinavien.”

Annual report 2024A · The company itself

“Inio digital faktureringslösning Inio, vår egenutvecklade digitala plattform för fakturerings- och betalningslösningar, har implementerats på den svenska marknaden, med initiativ på gång för en bredare lansering i Skandinavien. Med över 60 integrerade betalningsalternativ, inklusive banköverföringar, kort och autogiro, erbjuder Inio en faktureringslösning som är utformad för att stärka uppdragsgivarnas lojalitet och effektivisera betalningshanteringen.”

Annual report 2024A · The company itself

“Vilka fördelar har Intrums digitala lösningar Ophelos och Inio för era uppdragsgivare? – De utgör en AI-baserad plattform som integrerar automatiserad fakturering och indrivning med avancerade dataanalyser genom hela kredithanteringscykeln. Det hjälper uppdragsgivarna att förbättra indrivning, effektivitet och kontroll.”

Annual report 2024A · The company itself

“Kredithanteringsverksamheten fortsatte att förbättra effektiviteten och servicefunktionen på alla våra nyckelmarknader genom utrullningen av ny teknik från Ophelos.”

Annual report 2024A · The company itself

“Teknikutvecklingen är snabb och rätt använda kan nya tekniska lösningar effektivisera hanteringen av inkassoärenden och användandet av koncernens databaser. I takt med att kraven på kundanpassade IT-lösningar ökar är det av strategisk betydelse för Intrum att kontinuerligt kunna leva upp till förändringar i kravbilden.”

Annual report 2024A · The company itself

“Marketing Programs We use a variety of marketing programs to generate direct sales, develop leads, increase general awareness of the Intuit brand and our product portfolio, and drive sales in retail. These programs include digital marketing, such as display and pay-per-click advertising, search and generative engine optimization, and social and affiliate marketing; offline marketing, such as TV and radio advertising; email marketing; in-product marketing to drive awareness of related products and services; public relations; sponsorships; podcast marketing; mobile marketing; strategic partnerships with AI platform providers; and retail marketing of our consumer tax offerings.”

Annual report 2026A · The company itself

“We increasingly utilize third-party platforms, such as Apple’s App Store, Google’s Play Store, AI platforms and other digital channels, for the discovery and distribution of certain of our offerings, benefiting from the strong brand recognition and large user base of these platforms to attract new customers. However, the platform owners have wide discretion to change the pricing structure, terms of service and other policies or practices that can affect the visibility or the availability of our offerings. Any adverse changes by these third parties could adversely affect our financial results.”

Annual report 2026A · The company itself

“Research and Development We focus our research and development efforts on innovation and improvement for products and services that align with our mission: We believe that minimally invasive care is life-enhancing care. Through ingenuity and intelligent technology, we believe that we can expand the potential of physicians to heal without constraints. We employ engineering and research and development staff to focus on delivering future innovations and sustaining improvements that advance our mission.”

Annual report 2025A · The company itself

“Our Custom Hospital Analytics program enables the integration of data sources so that individual health institutions can analyze their data in their own environment. Using this data, hospital and healthcare system executives, administrators, care teams, and surgeons can gain alignment around their programs based on their KPIs, determine best practices, assess gaps, and develop and implement actionable steps to address any gaps.”

Annual report 2025A · The company itself

“My Intuitive. This mobile and web application was developed to be the single point for Intuitive customers to access individual or program-level data from Intuitive.”

Annual report 2025A · The company itself

“Da Vinci 5 has more than 10,000 times the computing power of da Vinci Xi, allowing for innovative new system capabilities and advanced digital experiences, including integration with our My Intuitive app, SimNow (virtual reality simulator), Case Insights (computational observer), and Intuitive Hub (edge computing system). Additionally, the redesigned console provides greater surgeon comfort with customizable positioning, allowing surgeons to find their best fit for surgical viewing and comfort, including the ability to sit completely upright.”

Annual report 2025A · The company itself

“Våra företag fortsatte att driva viktiga strategiska initiativ, såsom investeringar i FoU och innovation, kompletterande förvärv och anpassningar av produktportföljerna.”

Annual report 2022A · The company itself

“Samtidigt måste de fortsätta att investera i innovation, digitalisering och hållbarhet med fokus på områden med uthållig tillväxt för att driva långsiktig, lönsam tillväxt.”

Annual report 2022A · The company itself

“• Våra företag fortsatte att driva strategiska initiativ såsom FoU-investeringar, förvärv och förändringar av produktportföljerna, samtidigt som de anpassade sig till det volatila marknadsläget. • Vi fortsatte att driva initiativ inom innovation, FoU och digitalisering föratt framtidssäkra våra företag. • Flera företag fortsatte att accelerera sina hållbarhetsinitiativ.”

Annual report 2022A · The company itself

“Mot bakgrund av den utmanande makromiljön fokuserar många företag på att säkerställa effektivitet i verksamheten, samtidigt som de växer. Detta ger utrymme för att återinvestera för framtiden, både i organiska och ickeorganiska satsningar. Ökad digitalisering, automatisering och hållbarhet är alla exempel på framtidssäkrande initiativ som företagen är engagerade i.”

Annual report 2022A · The company itself

“Attaccelerera expansionen inom egna varumärken och kundanpassade lösningar och digitaliseringen av lageroch distributionskapacitet erbjuder också goda möjligheter. • Sarnova bör fortsätta att utvärdera förvärv för att stärka den befintliga verksamheten och expandera inom attraktiva närliggande områden där företaget kan dra fördel av sin goda organisationsförmåga.”

Annual report 2022A · The company itself

“Att ligga i framkant inom FoU och anpassa sig till ny teknologi är en förutsättning för alla portföljbolag för att nå eller förbli best-in-class.”

Annual report 2022A · The company itself

“Vi följer upp bolagens investeringar i forskning och utveckling (F&U). Under 2022, uppgick F&U-kostnaderna i våra bolag till sammanlagt 180 miljarder kronor.”

Annual report 2022A · The company itself

“Våra fokusområden är att hantera det rådande volatila marknadsläget och fortsätta att framtidssäkra våra företag för att driva hållbar tillväxt, ytterligare stärka konkurrenskraften och maximera långsiktigt värdeskapande. För oss innebär detta fortsatt fokus på hållbarhet, innovation, digitalisering samt successionsplanering och talangutveckling.”

Annual report 2022A · The company itself

“As stored records and tapes become less active, our service revenue growth and profits from related services may decline. Our Records Management and Data Management service revenue growth is being negatively impacted by declining activity rates as stored records and tapes are becoming less active and more archival.”

Annual report 2025A · The company itself

“Volume in and demand for our traditional storage related services has evolved as our customers adopt alternative storage technologies or as retention requirements change, which may require significantly less space than traditional physical records and tape storage; however, volumes in our Global RIM Business segment were relatively steady in 2025 and we expect them to remain relatively consistent in the near term.”

Annual report 2025A · The company itself

“We also compete, in some of our business lines, with our current and potential customers’ internal storage and information management services capabilities and their cloud-based alternatives. These organizations may not begin or continue to use us for their future storage and information management service needs.”

Annual report 2025A · The company itself

“building a centralised finance shared service centre (FSC) in Gdansk, Poland to streamline transactional activities”

Annual report 2025A · The company itself

“We also initiated roll-out of digital onboarding workflows to monitor and enhance engagement during the onboarding phase. The goal is to fully integrate our digital engagement and feedback platforms, MyISS and MyVoice, into one mobile-accessible solution with continuous engagement tracking.”

Annual report 2025A · The company itself

“In the summer of 2023, ISS launched the Finance Shared Service Centre (FSC) in Gdańsk, Poland, to consolidate transactional finance activities under a shared service model. The FSC transition is one of the eight strategic initiatives, supporting the efficiency priority by centralising transactional finance processes in centres of excellence to drive added quality, process effectiveness and cost efficiency. Since the initial transition of the Purchase-to-Pay (PtP) process for ISS UK&I, additional core finance processes – including PtP, Order-to-Cash (OtC) and Record-to-Report (RtR) – were subsequently transitioned from European country organisations.”

Annual report 2025A · The company itself

“To support this ambition, we established a Talent Acquisition Centre of Excellence in 2025 and initiated the discovery and design phase for an AI-driven recruitment platform. Nine countries are participating to ensure a strong, fit-for-purpose setup ahead of a global rollout starting in Q2 2026, with Pacific and Sweden as the first implementation markets.”

Annual report 2025A · The company itself

“Dessa lösningar kan sammanlänkas genom ITABs enhetliga mjukvaruplattform – OnRed. Koncernens marknadsledande lösningar skapar smidiga konsumentresor och -upplevelser.”

Annual report 2024A · The company itself

“Förvärvet är en strategisk och kulturell matchning, i kombination med tydliga synergier och värdeskapande under de närmaste åren. Med den utökade räckvidden och volymen kan den sammanslagna koncernen fortsätta att investera i nya förmågor för att ytterligare förbättra försäljningen av Retail Technology och tjänster genom lösningar som utvecklas tillsammans med kunderna.”

Annual report 2024A · The company itself

“ITAB förenar sömlöst det fysiska med det digitala i syfte att förbättra konsumentupplevelsen i butik genom att erbjuda den allra senaste portföljen av digitala och fysiska tekniklösningar. Vårt erbjudande omfattar allt från självbetjäningsdiskar och självutcheckningskassor till guidning i butik och grindsystem tillsammans med visuell stöldövervakning och automatiserade skåpsystem. Dessa lösningar kan sammanlänkas genom ITABs enhetliga mjukvaruplattform – OnRed.”

Annual report 2024A · The company itself

“• Retail Tech-lösningar, t.ex. OnRed-plattformen, mobila kassor, online/offline-integration, smarta hyllor/lager m.m. • Tjänster inom integration av tekniska lösningar, logistik, installation och underhåll.”

Annual report 2024A · The company itself

“An inability to develop, adopt, and integrate new or enhanced technologies, including rapidly evolving artificial intelligence, could have a material adverse effect on our business. We operate in a rapidly evolving, technology-driven environment, and if we do not timely identify, prioritize, develop, and successfully integrate new or enhanced technologies into our operations, our service quality, efficiency, and competitiveness could suffer.”

Annual report 2025A · The company itself