SMEs

“Segmentet små och medelstora företag har haft den största utmaningen, där kunderna påverkats av det osäkra makroekonomiska läget i högre utsträckning och därmed varit fortsatt försiktiga.”

Annual report 2024A · The company itself

“Stödjande mål avseende vinst per aktie • Organisk årlig tillväxt i nettoomsättning för SMB om 8 procent och för LCP om 5 procent (årligt genomsnitt över en 3-årsperiod). • Uppnå en segmentsmarginal om minst 6,5 procent för SMB och minst 4,5 procent för LCP inom den kommande 3-årsperioden.”

Annual report 2024A · The company itself

“Genom vår modell kan vi vara en IT-partner för såväl små och medelstora företag samt konsumenter (affärssegment SMB) som stora företag och offentlig sektor (affärssegment LCP).”

Annual report 2024A · The company itself

“Mindre företag vill ofta ha en helhetspartner som kan erbjuda rådgivning och ett komplett sortiment av produkter, tjänster och lösningar. De prioriterar ett brett utbud, en personlig och smidig köpupplevelse samt snabba och pålitliga leveranser.”

Annual report 2024A · The company itself

“Our wholesale distribution channel, where we sell our products primarily under the A. O. Smith and State brands, includes approximately 800 independent wholesale plumbing distributors serving residential and commercial end markets. We also sell our residential water heaters through the retail and maintenance, repair and operations (MRO) channels.”

Annual report 2025A · The company itself

“As many companies navigate an increasingly unpredictable future, they are reassessing their sourcing strategies and manufacturing footprints.”

Annual report 2025A · The company itself

“Actic fokuserar också på företagsförsäljning för att rekrytera nya medlemmar. Via Actics organisation för företagsförsäljning, som riktar in sig på större företag, friskolor och kommuner med paketlösningar, kan Actic utnyttja tillgänglig kapacitet i sina anläggningar med ett primärt fokus på skräddarsydda gruppträningspass och PT.”

Annual report 2024A · The company itself

“Actic har flertalet stora nationella avtal med bland annat TCO som innefattar en rad stora fackförbund.”

Annual report 2024A · The company itself

“Services and Support We provide expert consulting, customer success management, technical support and learning services across a range of audiences. With a focus on ensuring sustained customer success and realized value, this comprehensive portfolio of services is designed to help our customers and partners maximize the return on their investments in our cloud solutions and licensed products.”

Annual report 2025A · The company itself

“Table of Contents Adobe Express Adobe Express is our all-in-one AI content creation app for users of any level, such as novice content creators and communicators, to easily create video, marketing, and social content.”

Annual report 2025A · The company itself

“Adobe Workfront Adobe Workfront provides a unified work management app to enable teams to work more efficiently, with tools to strategize, plan, execute, review and deliver complex workflows.”

Annual report 2025A · The company itself

“Business Professionals & Consumers Creativity and productivity are merging and changing how everyone communicates digitally. Business professionals and consumers seek intuitive, all-in-one solutions that seamlessly integrate creativity and productivity across web and mobile.”

Annual report 2025A · The company itself

“Distribution Channels Independent Associates/Career Agents The career agent channel in Aflac U.S. focuses on marketing Aflac to the small business market, defined as employers of between three and 99 employees.”

Annual report 2025A · The company itself

“Öka kundvärdet Ambitionen är att ständigt öka värdet för våra kunder genom ett proaktivt förhållningssätt och att ha nära och långsiktiga relationer som bygger på förtroende.”

Annual report 2024A · The company itself

“All portfolio businesses operate in B2B markets and serve relatively large customers”

Annual report 2025A · The company itself

“GPV’s solutions are used in customer end-products within the market segments Industrials, Measurement & Control”

Annual report 2025A · The company itself

“Our products and services involve an inherent risk of claims concerning their design, materials, manufacture, safety, and performance, how we package, bundle, or sell them to individual customers or companies, including hospitals and clinics, and how we train and support doctors, their staffs and patients who use our products and services.”

Annual report 2025A · The company itself

“Det är framför allt små och medelstora företag som har haft det svårt i den rådande konjunkturen. De är en väldigt viktig kundgrupp och vi arbetar för att både nå ut bättre till dem och anpassa vårt sortiment för att kunna erbjuda fler prisvärda alternativ.”

Annual report 2024A · The company itself

“Alligo är en ledande aktör inom arbetskläder, personligt skydd, verktyg och förnödenheter i Norden.”

Annual report 2024A · The company itself

“Kunderna utgör en balanserad mix av små och medelstora företag, stora industriföretag samt offentlig sektor inom åtta definierade branschsegment.”

Annual report 2024A · The company itself

“Avmattningen i efterfrågan under 2024 var relaterad till flertalet kundsegment förutom olja och gas i Norge. Den minskade efterfrågan från små och medelstora företag (SME-kunder) balanseras till viss del upp av ökad försäljning mot större industrikunder, vilket resulterar i lägre marginaler.”

Annual report 2024A · The company itself

“Kundmixen har dock blivit mindre gynnsam då vi har tappat försäljning till små och medelstora företag, som normalt handlar i butik och är våra relativt sett lönsammaste kunder, samtidigt som vi har växt mot större industrikunder. Förändringen av kundmixen påverkade alla marknader, men hade störst effekt i Sverige där små och medelstora företag står för en större andel av försäljningen.”

Annual report 2024A · The company itself

“Framför allt är det små och medelstora kunder som har påverkats av den svagare konjunkturen samtidigt som försäljningen till vissa större industrikunder har ökat.”

Annual report 2024A · The company itself

“Den organiska tillväxten uppgick till cirka -6 procent och är relaterad till alla kundsegment förutom offentlig verksamhet.”

Annual report 2024A · The company itself

“Insights-liiketoimintayksikkö tarjoaa yrityksille ja ammattilaisille analysoitua yritys- ja päättäjätietoa sekä juridista sisältöä, jotka tukevat liiketoiminnan kehittämistä, päätöksentekoa ja sääntelyn noudattamista. Palvelukokonaisuus sisältää Business Insightsin (yritys- ja päättäjätieto) sekä Legal Insightsin (juridiikan sisältöpalvelut), jonka keskeisiä palveluja ovat muun muassa Edilex ja Suomen Laki.”

Annual report 2025A · The company itself

“Alma Median asiakaskunta koostuu sekä kuluttajista että yrityksistä, ja yleisösuhde vaihtelee satunnaiskävijästä kestotilaajaan.”

Annual report 2025A · The company itself

“Google Cloud Through our Google Cloud Platform and Google Workspace offerings, Google Cloud generates revenues primarily from consumption-based fees and subscriptions for infrastructure, platform, applications, and other cloud services.”

Annual report 2025A · The company itself

“Our data platform also unifies data lakes, data warehouses, data governance, and advanced machine learning into a single platform that helps users analyze data using AI models across any cloud. •Agents: ◦Gemini Enterprise: empowers teams to discover, create, share, and run AI agents all in one secure platform, bringing the best of Google AI to employees through an intuitive chat interface, helping to automate workflows and drive smarter business outcomes. ◦Gemini for Google Workspace: brings our AI-powered agents into Gmail, Docs, Sheets, and more to help users write, organize, visualize, accelerate workflows, and have more productive meetings.”

Annual report 2025A · The company itself

“Hyresgäster Agera långsiktigt och nära hyresgästerna Genom att vara en ansvarsfull fastighetsägare och en pålitlig, lokalt förankrad partner bidrar Nyfosa till att bygga relationer och skapa värde på de marknader där bolaget är verksamt. En viktig del i den rollen är att optimera förutsättningarna för hyres gästerna genom att tänka kreativt, ge hyresgästerna snabba svar samt ett personligt bemötande.”

Annual report 2024A · The company itself

“Transmission and distribution services are sold to their retail customers in their service territories.”

Annual report 2025A · The company itself

“Second, we seek to build on our strong position in commercial payments by evolving our card value propositions, further differentiating our corporate card and accounts payable expense management solutions and designing innovative products and features, including financing, banking and payment solutions for our business customers.”

Annual report 2025A · The company itself

“Our range of products and services includes: •Credit and charge cards and complementary products and services, including travel, dining, lifestyle and expense management products and services •Banking and other payment and financing products and services, including deposits and non-card lending •Merchant acquisition and processing, servicing and settlement, fraud prevention, and point-of-sale marketing and information products and services •Network services These products and services are offered through various channels, including mobile and online applications, affiliate marketing, customer referral programs, third-party service providers and business partners, in-house sales teams, direct mail, telephone and direct response advertising.”

Annual report 2025A · The company itself

“Card Issuing Businesses We are a leader in providing general purpose credit and charge cards to consumers, small businesses, mid-sized companies and large corporations. We offer a broad set of card products, rewards and services to this premium consumer and broad commercial customer base, in the United States and internationally, through our USCS, CS and ICS reportable operating segments.”

Annual report 2025A · The company itself

“We distribute many of our investment products through unaffiliated third-party advisors and financial institutions. Maintaining and deepening relationships with these unaffiliated distributors is an important part of our growth strategy, as strong third-party distribution arrangements enhance our ability to market our products or service our clients and to increase our assets under management and advisement, revenues and profitability.”

Annual report 2025A · The company itself

“Assets Under Management, Administration, and Advisement Assets under management (“AUM”) include external client assets for which we provide investment management services, such as the assets of the Columbia Threadneedle Investments funds, institutional clients and clients in our advisor platform held in wrap accounts as well as assets managed by sub-advisors selected by us.”

Annual report 2025A · The company itself

“Båda företagsparkerna omfattar såväl flexibla kontor som logistikfastigheter samt lätt industri tillsammans med tillhörande service som boende, utbildningslokaler, konferenscentrum, sporthallar och samhällsservice.”

Annual report 2024A · The company itself

“Vi riktar oss till stora adresserbara marknader inom B2C (studenter, yrkesverksamma, kreatörer) och B2B (företag, små och medelstora företag, företagsgåvor).”

Annual report 2024A · The company itself

“Revenue from Contracts with Customers Disaggregation of Revenue The following table summarizes revenue from contracts with customers by principal service line (in millions): Commercial Risk Solutions $ 8,497 $ 7,861 $ 7,043 Reinsurance Solutions 2,793 2,656 2,481 Total Risk Capital (1) 11,290 10,517 9,524 Health Solutions 3,839 3,335 2,433 Wealth Solutions 2,068 1,874 1,431 Total Human Capital (1) 5,907 5,209 3,864 Eliminations (16) (28) (12) Total revenue $ 17,181 $ 15,698 $ 13,376 (1)Includes inter-segment revenue.”

Annual report 2025A · The company itself

“We view the capital formation opportunity across the following discrete buyer pools: •Institutional investors (alternative allocation) In addition, we are increasingly focused on expanding to: • Institutional investors (fixed income and equity replacement) • Individuals • Insurance (Athene and third-party clients) • Traditional asset managers • Defined contribution / 401(k) Across these pools of capital, we raise, allocate and manage capital across a range of structures, including closed-end funds, open-ended and evergreen vehicles, perpetual capital vehicles, publicly listed entities, insurance and retirement solutions and separately managed accounts.”

Annual report 2025A · The company itself

“The Company distributes its products and certain of its services through third-party cellular network carriers and other resellers. The Company also sells its products and services directly to small and mid-sized businesses and education, enterprise and government customers.”

Annual report 2025A · The company itself

“Table of Contents Our Customers and Developer Community Our globally diverse customers range from the largest enterprises to small and independent businesses and individuals across a variety of industries. Our customers comprise multiple groups within the advertising ecosystem including advertisers leveraging our platform to find users and advertising networks using our mediation solution to purchase advertising inventory.”

Annual report 2025A · The company itself

“Gjennom Jet Carrier AS tilbyr konsernet teknologiske frakt- og logistikkløsninger som effektiviserer distribusjon og logistikkstøtte for egne selskaper og eksterne kunder.”

Annual report 2024A · The company itself

“The Credit Group is one of the largest self-originating direct lenders to the U.S. and European middle markets with a growing presence in the APAC region, offering one-stop financing solutions for small-to-medium sized companies and counterparties that we believe are increasingly underserved by traditional bank lenders. Our approach combines structuring expertise and origination capabilities to deliver directly originated fixed and floating rate credit assets, enabling investors to capitalize on illiquidity premiums across the credit spectrum.”

Annual report 2025A · The company itself

“Direct Lending: We manage various types of direct lending vehicles within our U.S. and European direct lending teams including commingled funds, SMAs for large institutional investors seeking tailored investment solutions and joint venture lending programs. We serve as one of the largest self-originating direct lenders to the U.S. and European markets, with $274.3 billion of AUM in over 105 fund, investment vehicles and SMAs, as of December 31, 2025.”

Annual report 2025A · The company itself

“We are a premier global protection company that partners with the world’s leading brands to safeguard and service connected devices, homes and automobiles.”

Annual report 2025A · The company itself

“Fiber and advanced connectivity services revenues increased in 2025, driven by higher fiber and fixed wireless revenues.”

Annual report 2025A · The company itself

“As we expand our fiber reach, we will be orienting our business portfolio to leverage this opportunity to offset continuing declines in legacy Business Wireline products by growing connectivity with small to mid-sized businesses.”

Annual report 2025A · The company itself

“We plan to use our strong fiber and wireless assets, broad distribution and integrated product offerings to strengthen our overall market position.”

Annual report 2025A · The company itself

“Our Business Wireline operating income margin was (4.7)% in 2025, (0.5)% in 2024 and 6.2% in 2023.”

Annual report 2025A · The company itself

“We safely deliver reliable, efficient, and abundant natural gas through regulated sales and transportation arrangements to approximately 3.4 million residential, commercial, public authority, and industrial customers in eight states located primarily in the South.”

Annual report 2025A · The company itself

“EXECUTIVE OVERVIEW As a global leader in HR and payroll solutions, ADP continuously aims to solve complex business challenges for our clients and their workers. Our Human Capital Management ("HCM") solutions, which include both software and outsourcing services, are designed to help our clients manage their workforce through a dynamic business and regulatory landscape and the changing world of work. We see tremendous opportunity ahead as we focus on our three key Strategic Priorities: Leading with Best-in-Class HCM technology, Providing Unmatched Expertise and Outsourcing Solutions, and Leveraging our Global Scale for the Benefit of our Clients.”

Annual report 2026A · The company itself

“Since launching ADP Assist agents in January, we steadily expanded their availability across our payroll, benefits, HR, and compliance solutions, making AI-powered HCM agents accessible to nearly all of our more than 1.1 million clients.”

Annual report 2026A · The company itself

“In 2021, we established Pio to target the SMB segment. Pio utilizes AutoStore products to offer a simplified warehouse automation solution for small and medium-sized businesses, and runs on standard plug-and-play software that connects to the most common online retail and shipping platforms, e.g. Shopify.”

Annual report 2022A · The company itself

“Våra kunder är privatsparare, professionella investerare och företagskunder såsom egenföretagare, kapitalförvaltare och de som vill teckna tjänstepension för sina anställda.”

Annual report 2024A · The company itself

“Vi vänder oss främst till företag utan kollektivavtal. Det finns även större företag med kollektivavtal i kundbasen, som tecknat exempelvis löneväxling eller alternativ ITP för sina anställda.”

Annual report 2024A · The company itself

“Avanza riktar sig till privatsparare, professionella investerare och företagskunder, såsom egenföretagare, kapitalförvaltare och företag som vill teckna tjänstepension för sina anställda.”

Annual report 2024A · The company itself

“Berkshire Hathaway Direct Insurance Company and its affiliates (“BH Direct”) and the GUARD Insurance Companies (“GUARD”) primarily offer commercial insurance products to small and medium-sized businesses.”

Annual report unknown yearA · The company itself

“1) Home Improvement, under ledning av Vice vd Mikael Hagman, baserad till övervägande del på en dropshipmodell med låg kapitalbindning och där man erbjuder ett brett sortiment och prismatchning inom främst DIYprodukter.”

Annual report 2024A · The company itself

“Arrowhead Programs manages a diverse portfolio of professional liability, personal lines, commercial lines, public entity and specialty programs supported by over 100 well-capitalized insurance carriers. In most cases, the insurance carriers that support these programs have delegated underwriting and, in many instances, claims-handling authority These programs are generally distributed through a global network of independent agents and brokers, including Brown & Brown retail agents, and offer targeted products and services designed for businesses, individuals, specific industries, trade groups, professions, public entities, municipalities, and niche markets.”

Annual report 2025A · The company itself

“•Credit Card: Consists of our domestic consumer card lending, personal loans, domestic small business card lending and international card businesses in the U.K. and Canada. •Consumer Banking: Consists of our deposit gathering and lending activities for consumers and small businesses, national auto lending and services offered by the Global Payment Network. •Commercial Banking: Consists of our lending, deposit gathering, capital markets and treasury management services to commercial real estate and commercial and industrial customers.”

Annual report 2025A · The company itself

“Our customers typically include companies with annual revenues between $20 million and $2 billion.”

Annual report 2025A · The company itself

“Our primary loan products include credit cards, auto loans and commercial lending products. •Credit cards: Consists of our domestic consumer card lending, personal loans, domestic small business card lending and international card businesses in the U.K. and Canada.”

Annual report 2025A · The company itself

“Many of the smaller communities in which we operate are often not served by national-chain convenience stores. We have succeeded in operating stores in smaller towns by offering, at competitive prices, a broader selection of products than does a typical convenience store.”

Annual report 2026A · The company itself

“We offer a smart-order routing service through our broker-dealer subsidiary, Cboe Trading, which provides its customers with access to other market centers when we route their orders to those market centers for execution.”

Annual report 2025A · The company itself

“Our Corporate segment primarily serves US private sector business customers with more than 250 employees.”

Annual report 2025A · The company itself

“Our Small Business segment primarily serves US private sector business customers with up to 250 employees.”

Annual report 2025A · The company itself

“The organizational structure of the Company’s segments is determined based on how the chief operating decision maker (“CODM”), who is the Chief Executive Officer, evaluates performance, allocates resources, and manages operations, which is primarily based on customer base. Specifically, the “Corporate” reportable segment is primarily comprised of private sector business customers with more than 250 employees in the US, the “Small Business” reportable segment is primarily comprised of private sector business customers with up to 250 employees in the US, and the “Public” reportable segment is comprised of government agencies and education and healthcare institutions in the US.”

Annual report 2025A · The company itself

“The office segment complements the warehouse offering, with tenants valuing the convenience of office space located directly adjacent to their storage and warehouse units. This integrated offering supports higher tenant satisfaction and retention.”

Annual report 2025A · The company itself

“Houston Electric’s distribution rates charged to REPs for residential and small commercial customers are primarily based on amounts of energy delivered, whereas distribution rates for a majority of large commercial and industrial customers are primarily based on peak demand.”

Annual report 2025A · The company itself

“Our principal customers are cooperatives, retailers, independent fertilizer distributors, traders, wholesalers and industrial users.”

Annual report 2025A · The company itself

“Workplace Services includes Retirement Plan Services, Retirement Business Services, Stock Plan Services, and Designated Brokerage Services. Retirement Plan Services offers a range of bundled retirement plan product types that provides retirement plan sponsors with extensive investment options, trustee or custodial services, and plan participant-level recordkeeping. Retirement plan design features, which increase plan efficiency and achieve plan sponsor goals, are also offered, including automatic enrollment, automatic fund mapping at conversion, and automatic contribution increases.”

Annual report 2025A · The company itself

“The Investor Services segment provides retail brokerage, investment advisory, and banking and trust services to individual investors, and retirement plan and business services, as well as other corporate brokerage services, to businesses and their employees.”

Annual report 2025A · The company itself

“Products and Services We offer our customers subscription-based Internet, mobile, video and voice services, with prices and related charges based on the types of service selected, whether the services are sold as a “bundle” or on an individual basis, and based on the equipment necessary to receive our services.”

Annual report 2025A · The company itself

“Small Business Spectrum Business offers Internet, mobile, video and voice services to small businesses over our fiber-powered network.”

Annual report 2025A · The company itself

“We sell our residential and commercial services using national brand platforms known as Spectrum, Spectrum Business, Spectrum Reach and Spectrum Community Solutions.”

Annual report 2025A · The company itself

“We serve multinational corporations, mid-size and small businesses with property and casualty insurance and risk engineering services; affluent and high net worth individuals with substantial assets to protect; individuals purchasing life, personal accident, supplemental health, homeowners, automobile in certain international markets and for high net worth individuals in the U.S., and specialty personal insurance coverage; companies and affinity groups providing or offering accident and health insurance programs and life insurance to their employees or members; and insurers managing exposures with reinsurance coverage.”

Annual report 2025A · The company itself

“I det fall arbetstagare har bristande arbetsvillkor, löner eller saknar balans mellan arbete och privatliv kan deras hälsa, säkerhet och välbefinnande påverkas negativt. x Potentiell negativ påverkan I det fall leverantörer eller deras underleverantörer brister i att följa Cibus uppförandekod finns risk för ett oetiskt beteende såsom olika typer av tvångs- eller obetalt arbete. x Samhällen Faktisk positiv påverkan Genom att äga fastigheter uthyrda till attraktiva dagligvarukedjor bidrar Cibus till att göra matbutiker och service tillgängliga i olika stadsdelar och på mindre orter.”

Annual report 2024A · The company itself

“Primary Distribution Channels •Brokers and Consultants. Sales representatives distribute our products and solutions through a broad group of brokerage and consulting firms as well as individuals. •Direct.”

Annual report 2025A · The company itself

“When marketing through our property casualty agencies, we have specific competitive advantages: •Because our property casualty operations are held in high regard, property casualty agency management is predisposed to consider selling our life products. •Marketing efforts for both our property casualty and life insurance businesses are directed by our field marketing department, coordinated with our life field marketing representatives, which assures consistency of communication and operations. Life field marketing representatives are available to meet face-to-face with agency personnel and their clients as well.”

Annual report 2025A · The company itself

“They established the mission that continues to guide all of the companies in the Cincinnati Financial Corporation family – to grow profitably and enhance the ability of local independent insurance agents to deliver quality financial protection to the people and businesses they serve by: •providing insurance market stability through financial strength •producing competitive, up-to-date products and services •developing associates committed to superior service At year-end 2025, a select group of independent agencies in 46 states actively marketed our property casualty insurance within their communities.”

Annual report 2025A · The company itself

“We seek to earn a share of each agency’s best excess and surplus lines accounts by offering several unique benefits. Agency producers have direct access through CSU Producer Resources to a group of our underwriters who focus exclusively on excess and surplus lines business.”

Annual report 2025A · The company itself

“In addition, we offer term and whole life insurance to employees at their worksite. These products provide our property casualty agency force with excellent cross-serving opportunities for both commercial and personal accounts.”

Annual report 2025A · The company itself

“Customers We provide our products and services to over one million businesses of all types, from small service and manufacturing companies to major corporations that employ thousands of people.”

Annual report 2026A · The company itself

“If we fail to manage distribution of our products and services properly, or if our distributors’ financial condition or operations weaken, our revenue and gross margins could be negatively impacted.”

Annual report 2026A · The company itself

“Consumer Banking Segment Consumer Banking serves consumer customers and small businesses, with products and services that include deposits, mortgage and home equity lending, credit cards, small business loans, and wealth management solutions largely across our 14-state traditional banking footprint.”

Annual report 2025A · The company itself

“Treasury & Wholesale Payments supports Commercial Banking and certain small business clients with treasury management and payment solutions, including domestic and international products and services related to receivables, payables, information reporting, and liquidity management, as well as commercial credit cards and trade finance.”

Annual report 2025A · The company itself

“Headquartered in Providence, Rhode Island, we offer a broad range of retail, private banking, wealth management, and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions. We help our customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas, and solutions.”

Annual report 2025A · The company itself

“Columbus serves over 1,100 medium and large enterprises across four strategic industries”

Annual report 2025A · The company itself

“Description of Our Businesses Connectivity & Platforms Business Residential Connectivity & Platforms Segment Our Residential Connectivity & Platforms segment primarily includes: •Residential broadband and wireless services (collectively, “Residential Connectivity”) •Residential and business video services, advertising, residential voice services, and Sky-branded entertainment television networks We offer services to customers individually and as bundled services at a discounted rate.”

Annual report 2025A · The company itself

“Business Services Connectivity Segment Our Business Services Connectivity segment consists primarily of offerings under the Comcast Business brand, including domestic service offerings for small businesses that include broadband, wireline voice and wireless services, and domestic and international enterprise solutions offerings for medium-sized customers and larger enterprises with multiple locations.”

Annual report 2025A · The company itself

“In addition, our retail sales subject us to credit risk through competitive electricity and natural gas supply activities to serve C&I companies, governmental entities, and residential customers.”

Annual report 2025A · The company itself

“* Hallituksen esitys varsinaiselle yhtiökokoukselle OIKAISTU LIIKETULOS (milj. €) 9,5 11,4 12,3 10,2 9,4 * Operatiivinen rahavirta ennen rahoituseriä ja veroja vähennettynä investoinneilla aineellisiin ja aineettomiin käyttöomaisuushyödykkeisiin VAPAA KASSAVIRTA (milj. €)* 18,0 5,5 LIIKEVAIHTO ASIAKASRYHMITTÄIN LIIKEVAIHTO (milj. €) Taloyhtiöt Yritykset Kiinteistösijoittajat Julkinen sektori CONSTI LYHYESTI Consti tarjoaa kattavasti korjausrakentamisen ja talotekniikan sekä valikoidusti uudisrakentamisen palveluita taloyhtiöille, yrityksille ja sijoittajille sekä julkiselle sektorille.”

Annual report 2025A · The company itself

“Taloyhtiöt-toimialan liikevaihto oli 113,6 (93,2), Yritykset-toimialan 89,0 (98,1), Julkisettoimialan 52,8 (58,3) ja Talotekniikka-toimialan 92,0 (95,7) miljoonaa euroa.”

Annual report 2025A · The company itself

“Corpay’s vision is that every payment is digital, every purchase is controlled and every related decision is informed. Our wide range of modern, digitized solutions provide control, reporting and automation benefits superior to many of the payment methods businesses often use such as cash, paper checks, general purpose credit cards, as well as employee payment processes.”

Annual report 2025A · The company itself

“While we initially targeted large sophisticated enterprises, we have expanded our go-to-market efforts to include customers of all sizes with a dedicated inside sales team focused on smaller organizations. We also released Falcon Complete in 2018, our turnkey solution that combines the most popular cloud modules of our Falcon platform with our remediation and response capabilities, to create a solution for customers with limited or no internal security expertise.”

Annual report 2026A · The company itself

“Bringing CrowdStrike to the Market We primarily sell the Falcon platform through our sales and partner teams that leverage our network of channel partners to maximize effectiveness and scale.”

Annual report 2026A · The company itself

“Historically, we and our channel partners have primarily sold to large organizations, but have increasingly focused on selling to small and medium-sized businesses, particularly through our trial-to-pay model.”

Annual report 2026A · The company itself

“Enterprises and governments that use legacy security products, such as signature-based or malware-based products, firewalls, intrusion prevention systems, and antivirus, for their IT security may be hesitant to purchase our Falcon platform if they believe that these products are more cost effective, provide substantially the same functionality as our Falcon platform or provide a level of IT security that is sufficient to meet their needs.”

Annual report 2026A · The company itself

“Our core business is providing access, including space or capacity, to our towers via long-term contracts in various forms, including lease, license, sublease and service agreements (collectively, "tenant contracts"). We seek to increase our site rental revenues by adding more tenants on our towers, which we expect to result in significant incremental cash flows due to our low incremental operating costs.”

Annual report 2025A · The company itself

“▪HOKA brand net sales increased 15.9% to $2,587,330. ▪UGG brand net sales increased 8.2% to $2,738,758. ▪Other brands net sales decreased 33.9% to $146,208. ◦Channel ▪Wholesale channel net sales increased 12.3% to $3,208,107. ▪DTC channel net sales increased 6.3% to $2,264,189. ◦Geography ▪Domestic net sales increased 0.2% to $3,191,518. ▪International net sales increased 26.8% to $2,280,778. •Gross profit as a percentage of net sales (gross margin) decreased 20 basis points to 57.7%.”

Annual report 2026A · The company itself

“Small and medium-sized business and consumers — We have a direct sales force of dedicated account teams for small and medium-sized businesses focused on delivering outcomes tailored to customers’ specific needs. For consumers, we offer robust online and channel engagement.”

Annual report 2026A · The company itself

“Compared to 2024, our 2025 operating revenue increased $1.7 billion, or 3%, primarily due to a 3% increase in capacity driven by continued strength in demand for premium products, particularly from corporate customers, growth in loyalty travel awards, increased refinery sales to third parties and growth of our Delta TechOps third-party maintenance, repair and overhaul ("MRO") business.”

Annual report 2025A · The company itself

“Septon-gruppen är en distributör av högklassig ljud- och bildutrustning (AV-produkter), samt ljusutrustning, avsedda för den professionella marknaden och konsumenter.”

Annual report 2024A · The company itself

“Produkterna riktar sig till både konsumenter och företag vars kunder finns inom hemelektronikkedjor, webbhandel, installatörer, teleoperatörer, lågpriskedjor, dagligvaruhandel och fristående fackhandel.”

Annual report 2024A · The company itself

“Bland B2C- och B2B-kunderna till Aurdel finns ett flertal större återförsäljare såsom Elgiganten, Dustin, Komplett och POWER.”

Annual report 2024A · The company itself

“Professionella AV-produkter för B2B-marknaden, exklusiva hemelektronikprodukter för B2C-marknaden samt ljusrelaterade produkter för B2B-marknad.”

Annual report 2024A · The company itself

“Bolagen inom DistIT-koncernen levererar produkter och tillbehör inom både B2B- och B2C-marknaden.”

Annual report 2024A · The company itself

“Bolagens produkter riktar sig till både konsumenter och företag och deras kunder finns inom hemelektronikkedjor, webbhandel, installatörer, teleoperatörer, lågpriskedjor, dagligvaruhandel och fristående fackhandel.”

Annual report 2024A · The company itself

“DNB lanserer inntektsbasert lån, et nytt digitalt låneprodukt til små bedrifter. Kunder kan etablere lån med noen få klikk, og nedbetalingen skjer automatisk i takt med kundens inntekter.”

Annual report 2024A · The company itself

“privatkunder i alle livsfaser og små oppstartsbedrifter til store internasjonale selskaper og offentlige institusjoner.”

Annual report 2024A · The company itself

“The Company's primary offerings include the DoorDash Marketplace, the Wolt Marketplace, and the Deliveroo Marketplace (together, the "Marketplaces"), and its Commerce Platform. The Company's Marketplaces operate in over 40 countries and provide an integrated suite of services that help merchants establish an online presence, connect with consumers in their communities, and solve mission-critical challenges, such as customer acquisition, demand generation, order fulfillment, merchandising, payment processing, and customer support.”

Annual report 2025A · The company itself

“operating primarily in the global business-to-business market”

Annual report 2025A · The company itself

“For small and mid-sized customers, we enhance the customer journey by upgrading our digital platform”

Annual report 2025A · The company itself

“Our consumer customers consist of home and small to medium-sized business in the Americas.”

Annual report 2025A · The company itself

“SCE is an investor-owned public utility primarily engaged in the business of supplying and delivering electricity to an approximately 50,000 square mile area across Southern, Central and Coastal California.”

Annual report 2025A · The company itself

“Trio is a global energy advisory firm providing integrated sustainability and energy solutions to commercial, industrial and institutional customers.”

Annual report 2025A · The company itself

“Eezy’s business consists of a range of workplace services: staffing services, employment, research and recruitment services, management and employee experience development, corporate culture design and light entrepreneurship services.”

Annual report 2025A · The company itself

“Products range from straightfor- ward electricity contracts to advanced power portfolio management. Customers range from energy-intensive industrial manufacturers and large corporations with facilities all over the country to small local businesses.”

Annual report 2024A · The company itself

“Alliance partners The alliance concept is Elmera’s collaboration model for power producers and electricity retailers in rural areas. Elmera Group provides services related to power trading and market support to electricity companies across Norway. These are electricity retailers, power grid companies and power producers.”

Annual report 2024A · The company itself

“Business market, Norway Elmera Group is a leading supplier to the busi- ness market. Its overall market share in the business segment in Norway is approximately 22 per cent.”

Annual report 2024A · The company itself

“Expansion inom B2B och starkare egna varumärken Företagsmarknaden är en viktig del av vår verksamhet och under 2024 tog vi ytterligare steg genom lanseringen av Elon Business IT & Solutions. Denna satsning på kommunikations och ITlösningar riktade mot SMEsegmentet ger oss möjligheten att bredda vårt erbjudande till en marknad med stor tillväxtpotential.”

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

“The testimony indicates further that the additional load can be served without additional generation capacity beyond what was presented in the October 2024 application, but that additional transmission facilities, which will be funded directly by the customer, are needed to serve this additional load.”

Annual report 2025A · The company itself

“Customers As of December 31, 2025, the Utility operating companies provided retail electric service to customers in Arkansas, Louisiana, Mississippi, and Texas, as follows: Electric Customers Area Served (In Thousands) (%) Entergy Arkansas Portions of Arkansas 738 24 Entergy Louisiana Portions of Louisiana 1,115 36 Entergy Mississippi Portions of Mississippi 459 15 Entergy New Orleans City of New Orleans 209 7 Entergy Texas Portions of Texas 538 18 Prior to the sale of the Entergy New Orleans and Entergy Louisiana natural gas distribution businesses on July 1, 2025, Entergy New Orleans and Entergy Louisiana provided both retail electric and gas service to customers.”

Annual report 2025A · The company itself

“The application was supported by a number of letters of interest from Entergy Arkansas customers.”

Annual report 2025A · The company itself

“Eolus ambition är att använda lokala företag vid byggnation av projekt, både för anläggningsarbeten och för andra tjänster, såsom logi, restaurang/catering och skogsavverkning. På så sätt skapas arbetstillfällen och den lokala ekonomin gynnas.”

Annual report 2024A · The company itself

“Eolus ser en ökande efterfrågan på dessa tjänster både från stora institutionella investerare som äger större anläggningar för förnybar energi och från lokala aktörer med mindre anläggningar.”

Annual report 2024A · The company itself

“IAC +17,6% +0,2% Nettoomsättning per distributionskanal Detaljhandel, 54% Business-to-business, 26% Vårdsektor, 20% Nettoomsättning per region Europa, 60% Nordamerika, 17% Latinamerika, 17% Asien, 2% Övriga, 4% Nettoomsättning per affärsområde Health & Medical, 20% Consumer Goods, 54% Professional Hygiene, 26% EBITA exkl.”

Annual report 2024A · The company itself

“Evergy serves approximately 1.7 million customers located in Kansas and Missouri. Customers include approximately 1.5 million residences, 0.2 million commercial firms and 7,400 industrials, municipalities and other electric utilities.”

Annual report 2025A · The company itself

“Commercial tenants tend to include small business owners who require easy and frequent access to their goods, records, inventory or storage for seasonal goods.”

Annual report 2025A · The company itself

“Consistent with this focus, we launched our One Fiserv action plan and are operating our business under the following strategic framework: •Operating with a client-first mindset to win new enterprise clients and grow average revenue per client. We expect to increase the number and breadth of our client relationships by, among other actions: continuing to integrate our products and services to deliver enhanced, integrated value propositions; introducing new products and services that meet the needs of our clients and their customers; and delivering quality service and support for our clients.”

Annual report 2025A · The company itself

“•Building the pre-eminent small business operating platform through Clover®. We plan to grow our Clover small business operating system through enhanced product features and functionality and client service; new and expanded industries, partnerships and geographies; and the integration of Clover into Commerce HubTM and embedded finance solutions. •Creating differentiated, innovative platforms in finance and commerce, including embedded finance and stablecoin.”

Annual report 2025A · The company itself

“On June 4, 2025, the Company acquired Money Money Serviços Financeiros S.A. (“Money Money”), a Brazil-based provider of risk analysis and credit decisioning solutions. Money Money is included within the Merchant segment and expands the Company’s payment and financial service capabilities, enabling access to working capital and other payment solutions for small and medium-sized businesses.”

Annual report 2025A · The company itself

“Table of Contents Small Business We offer merchant acquiring solutions to enable small businesses to securely accept payment transactions online or in-person. Payment transactions include credit, debit, gift card and loyalty payments online or through a physical POS or mobile device, such as a smartphone or tablet.”

Annual report 2025A · The company itself

“Our global POS and business management platform, Clover®, includes hardware and software technology necessary to enable small business merchants to manage and accept payments; take orders; schedule pick-up and delivery services; manage cash flow, teams, customer engagement, and operational efficiency; and provide vertical specific business management tools.”

Annual report 2025A · The company itself

“This turnkey, easy-to-use accounts receivable and payable solution is created for clients to offer a complete small and medium-sized business (“SMB”) solution to their customers and members to manage their working capital, while our client’s grow deposits, revenue and their SMB portfolio.”

Annual report 2025A · The company itself

“Consumer Solutions -segmentti Consumer Solutions vastaa energiaratkaisujen tarjoamisesta kuluttajille sekä pienille ja keskisuurille yrityksille pääasiassa Pohjoismaissa ja Puolassa, mukaan lukien asiakaspalvelu ja laskutuspalvelut.”

Annual report 2025A · The company itself

“These channels include retailers, telecom service providers, employee benefit providers, strategic partners, small offices, home offices, and very small businesses.”

Annual report 2026A · The company itself

“We also offer solutions designed to help small businesses safeguard devices, online activities, and customer data.”

Annual report 2026A · The company itself

“Our wholesale network distributes our residential and light-commercial generators, as well as our residential energy storage systems, on a two-step basis. The channel consists of selling branches of both national and local distribution houses for electrical, HVAC, and solar equipment on a wholesale basis.”

Annual report 2025A · The company itself

“För hyresgäster i kommersiella lokaler och samhällsfastigheter innebär det att vi skapar bästa möjliga förutsättningar för deras verksamheter genom anpassade lokaler och en utvecklad närmiljö.”

Annual report 2024A · The company itself

“TIDEN GÅR, GJENSIDIGE BESTÅR Del 1 Introduksjon INTRODUKSJON ÅRET SOM GIKK NYE PRODUKTER SKAPER ØKT VERDI I 2024 lanserte vi boligalarm som integrert del av husforsikring. Alarmen varsler om brann og vannskade, og eventuelt innbrudd, og er koblet til en døgnovervåket alarmtjeneste. Vi lanserte også en cyber-forsikring for små og mellomstore bedrifter i Norge, og en kombinert innbo-, reise- og ulykkesforsikring for unge kunder i Danmark.”

Annual report 2024A · The company itself

“Vi prioriterer å gi et godt tilbud til privatmarkedet og små og mellomstore bedrifter, hvor produktene er relativt standardisert og etterspørselen stabil.”

Annual report 2024A · The company itself

“Additionally, the Division continues to help improve the ability of agents to develop new worksite business. A CRM platform and enhanced analytical capabilities have helped the agents develop additional worksite marketing and improve the productivity of agents selling in the individual life market.”

Annual report 2025A · The company itself

“The Liberty National Division is an exclusive agency that markets individual life insurance to middle-income households and worksite customers.”

Annual report 2025A · The company itself

“The United American Division consists of non-exclusive independent agents and brokers who may also sell for other companies.”

Annual report 2025A · The company itself

“The Family Heritage Division is an exclusive agency that primarily markets individual limited-benefit supplemental health insurance to small to medium-sized businesses.”

Annual report 2025A · The company itself

“The Liberty National Division markets limited-benefit supplemental health products, consisting primarily of cancer, critical illness and accident insurance. Much of Liberty National’s health business is generated through worksite marketing targeting small businesses.”

Annual report 2025A · The company itself

“The American Income Life Division primarily markets accident plans.”

Annual report 2025A · The company itself

“Making work-life better for businesses and professionals”

Annual report 2025A · The company itself

“Serving customers across the globe 7,500+ employees worldwide (FTE) Hearing Enterprise Gaming We help people with hearing loss overcome real-life challenges, improve communication and collaboration for businesses, and provide great experiences for gaming enthusiasts.”

Annual report 2025A · The company itself

“We believe the following strengths provide us with competitive advantages in serving these needs: Table of Contents Global Brand Awareness. Our global brand benefits from high awareness as the leading domain name provider, with approximately 81 million domains under management as of December 31, 2025. Based on information reported in VeriSign's most recent Domain Name Industry Brief, this represented around 21% of the approximately 387 million domain names registered worldwide as of December 31, 2025.”

Annual report 2025A · The company itself

“Our business applications range from domain-specific email and email marketing to payment tools to help our customers interact and communicate with their customers and grow their ideas. For example, GoDaddy Conversations is a communications platform that helps small businesses support, engage and convert customers through email, text, online chat, social media, voice and video conversations.”

Annual report 2025A · The company itself

“Business Overview GoDaddy is a global leader serving a large market of entrepreneurs, developing and delivering easy-to-use solutions as a one-stop shop provider, backed by proactive, informed and personalized guidance. We serve small businesses, individuals, organizations, developers, designers and domain investors.”

Annual report 2025A · The company itself

“Our largest customer population, Independents, consists mostly of microbusinesses and non-commercial endeavors. Microbusiness owners have an entrepreneurial spirit, strong work ethic and, above all, passion for their ideas, yet their specific needs vary depending on their business and the phase of their journey. Independents range from individuals who have an initial business idea to established ventures that need help attracting customers, growing their sales, processing payments, managing their online presence or expanding their operations.”

Annual report 2025A · The company itself

“Table of Contents Our second largest customer population, WebPros, are website designers and developers who build websites on behalf of businesses and noncommercial organizations. WebPros are often freelancers, moonlighters or teams within website design agencies that often have website design as one of multiple streams of income.”

Annual report 2025A · The company itself

“Our third largest customer population is Domain Investors. Domain Investors are individuals or organizations who typically manage a portfolio of registered domains for the purpose of selling such domains in secondary markets.”

Annual report 2025A · The company itself

“Small Business Administration's Office of Advocacy, 99.9% of all firms in the U.S. are small businesses, of which there were approximately 36.2 million, based on the Census Bureau's 2022 Statistics of U.S. Businesses. These small businesses are estimated to represent approximately 43.5% of total U.S. gross domestic product.”

Annual report 2025A · The company itself

“Established in 2018, GoDaddy's Small Business Research Lab (formerly, Venture Forward) aims to quantify the economic impact of more than 20 million microbusinesses across the U.S., UK, Australia and Canada (measured by a unique domain and an active website) have on their economies. Most of these businesses employ fewer than ten people, categorizing each as a microbusiness.”

Annual report 2025A · The company itself

“Moreover, we focus our operations on entrepreneurs, customers with new ventures and those with established small and medium-sized businesses.”

Annual report 2025A · The company itself

“The A&C and Core segments provide a view into the product-focused organization of our business and generate revenue as follows: •A&C primarily consists of sales of products containing proprietary software, notably our website building products, as well as our commerce products and third-party email and productivity solutions and sales of certain products when they are included in bundled offerings of our proprietary software products.”

Annual report 2025A · The company itself

“We raise deposits, including savings, demand and time deposits, from consumers, private bank clients, through internal and third-party broker-dealers, transaction banking clients and other institutional clients.”

Annual report 2025A · The company itself

“Our mission is to make urban car transportation cleaner, more accessible, affordable, and flexible, while providing significant benefits to cities and their inhabitants by way of reduced private car ownership and reduced air pollution. We aim to offer a mobility solution for both individuals and companies that is in accordance with their climate awareness and conscientious environmental choices.”

Annual report 2025A · The company itself

“Asiakkaitamme ovat valtionhallinto, kunnat ja kaupungit sekä yksityinen sektori.”

Annual report 2025A · The company itself

“Small business provides coverages for small businesses, which the Company generally considers to be businesses with an annual payroll under $20, revenues under $50 and property values less than $20 per location. The Company serves a broad range of small businesses, with an average written premium of less than $5 thousand per policy. Primary coverages provided include workers' compensation, property, general liability and commercial automobile, with both property and general liability coverages offered as a single package policy, marketed under the Spectrum name.”

Annual report 2025A · The company itself

“Employee Benefits provides group life, disability and other group coverages to members of employer groups, associations and affinity groups through direct insurance policies and provides reinsurance to other insurance companies. Group insurance typically covers an entire group of people under a single contract, most typically the employees of a single employer or members of an association.”

Annual report 2025A · The company itself

“Marketing and Distribution The Employee Benefits distribution network is managed through a regional sales office system to distribute its group insurance products and services through a variety of distribution outlets including brokers, consultants, third-party administrators and trade associations.”

Annual report 2025A · The company itself

“Business Insurance generally consists of products written for businesses of all sizes, largely distributed through retail agents and brokers, wholesale agents and global and specialty insurance and reinsurance brokers, serving both admitted and non-admitted markets. The majority of Business Insurance written premium is generated by small business and middle market lines (the portion of middle & large business excluding the loss-sensitive book), which provide coverage options and customized pricing based on the policyholder’s individual risk characteristics.”

Annual report 2025A · The company itself

“With their wide range of products, Harvia oers customized solutions for consumers and professionals alike.”

Annual report 2025A · The company itself

“Harvia carried out a customer satisfaction survey with approximately 4,000 reseller customers at the end of 2025 (compared to 11,000 in 2024).”

Annual report 2025A · The company itself

“Harvia’s leading market position, strong brands, and business model create a solid foundation for the company to lead the sauna market also in the future – demonstrating growth, strong margins, and increasing dividends. • Harvia’s business model is very capital ecient due to typically low investment needs as well as ecient and flexible production processes. • Harvia demonstrates robust operational eciency, supported by unified processes and modern production facilities. • Key elements in ecient operations include advanced sales & operations planning, global sourcing strategy, automating operations, as well as agile transportation network. • Sustainability across the supply chain is one of the key focus areas. • Harvia serves a large and diverse customer base in nearly 100 countries, including sauna specialist stores, retail stores, wholesalers, sauna integrators and sauna builders, DIY chains as well as renovation and construction companies.”

Annual report 2025A · The company itself

“Our customers range from small-and-medium-sized businesses to large global enterprises and governmental entities.”

Annual report 2025A · The company itself

“Enterprises of various sizes are looking to digitally transform in order to develop next-generation cloud-native applications, create actionable insights from their data, and drive business growth, but they face many challenges including lack of in-house IT skills, limited budgets and options for financing, and lack of flexibility to choose the technology foundation that best meets their needs.”

Annual report 2025A · The company itself

“Yhtiön asiakkaita ovat vähittäiskauppa-, food service-, teollisuus- ja vientisektorit.”

Annual report 2025A · The company itself

“Partner till enskilda i en skuldsituation Vi erbjuder stöd och rådgivning till enskilda låntagare samt små och medelstora företag i en skuldsituation.”

Annual report 2024A · The company itself

“Personal Systems groups its global business capabilities into the following business units when reporting business performance: •Commercial PS consists of endpoint computing devices and hybrid systems, for use by enterprise, public sector (which includes education), and small- and medium-sized business (“SMB”) customers. These devices include our Pro and Elite commercial PC portfolio, our Z line of workstations, thin clients, retail POS systems, and HP’s Dragonfly and Chromebook PCs.”

Annual report 2025A · The company itself

“Printing Printing provides consumer and commercial printer hardware, supplies, services and solutions.”

Annual report 2025A · The company itself

“Printing For the fiscal years ended October 31 2025 2024 2023 Dollars in millions Net revenue $ 16,702 $ 17,338 $ 18,029 Earnings from operations $ 3,118 $ 3,290 $ 3,399 Earnings from operations as a % of net revenue 18.7% 19.0% 18.9% The components of the net revenue and weighted net revenue change by business unit were as follows: Weighted Net Revenue Change Percentage Points(1) 2025 2024 2023 2025 2024 In millions Supplies $ 10,916 $ 11,295 $ 11,452 (2.2) (0.9) Commercial Printing 4,633 4,841 5,250 (1.2) (2.2) Consumer Printing 1,153 1,202 1,327 (0.3) (0.7) Total Printing $ 16,702 $ 17,338 $ 18,029 (3.7) (3.8) (1) Weighted Net Revenue Change Percentage Points measures the contribution of each business unit towards overall segment revenue growth.”

Annual report 2025A · The company itself

“Following is a description of our two business segments, Consumer & Regional Banking and Commercial Banking, along with the Treasury / Other function: •Consumer & Regional Banking: The Consumer & Regional Banking segment provides a wide array of financial products and services to consumer and business customers including, but not limited to, deposits, lending, payments, mortgage banking, dealer financing, investment management, trust, brokerage, insurance, and other financial products and services.”

Annual report 2025A · The company itself

“Regional Banking, along with our business and specialty banking offerings, is a dynamic part of our business. Regional Banking is defined as serving small to mid-sized businesses.”

Annual report 2025A · The company itself

“As a regional bank, our economic impact includes helping individuals and families reach their goals of financial stability and homeownership; providing businesses, especially small and mid-sized businesses, with the resources to grow; serving and supporting the underbanked; and working in partnership to create more prosperous and resilient communities.”

Annual report 2025A · The company itself

“We build and deliver semi-detached houses to professional investors, who rent or sell the houses to end-users”

Annual report 2025A · The company itself

“Our Semi-detached business secured a solid inflow of confirmed sales in 2025, but the financial performance was unsatisfactory and impacted by write downs on a few completed HC Elements projects as well as three B2B projects, which as reported will also affect profitability in 2026 and the first half of 2027. After a thorough review of the Semi-detached order portfolio, we have revised our internal processes and our approach to the market based on learnings from both the challenged as well as the successfully completed projects through the years.”

Annual report 2025A · The company itself

“Scalability and developing our digital platforms Refining our value propositions and customer journeys Sustainability and design Key focus areas Semi-detached B2B in Denmark We build and deliver semi-detached houses to professional investors, who rent or sell the houses to end-users. With our size, factories and focused one-stop-shop offering, HusCompagniet has a competitive advantage in this market.”

Annual report 2025A · The company itself

“Koncernens produkter och lösningar säljs främst under de globala varumärkena Husqvarna och Gardena till konsumenter och professionella användare i mer än 100 länder som nås genom direktförsäljning, återförsäljare och detaljhandlare.”

Annual report 2024A · The company itself

“De flesta av koncernens professionella produkter samt en betydande del av dess konsumentprodukter, säljs via den lokala fackhandeln.”

Annual report 2024A · The company itself

“The company’s client base includes many enterprises worldwide, from small and medium businesses to the world’s largest organizations and governments, with a significant portion of the company’s revenue coming from global clients across many sectors.”

Annual report 2025A · The company itself

“Our failure to successfully execute certain strategies in this competitive environment could have a material negative impact on our future growth and profitability The companion animal healthcare industry is highly competitive, and we anticipate increasing competition from both existing competitors and new sector entrants given our performance and the industry’s strong growth and returns.”

Annual report 2025A · The company itself

“Ilkan markkinointija teknologiayhtiöt palvelevat erikokoisia, pääsääntöisesti suuria ja keskisuuria yritysasiakkaita, julkishallinnon sekä kolmannen sektorin toimijoita markkinoinnin-, myynnin ja viestinnän saralla.”

Annual report 2025A · The company itself

“Vi noterar att en allt större del av våra framgångar kommer som en konsekvens av strukturerat säljarbete nära våra kunder.”

Annual report 2024A · The company itself

“Our direct customers include global CSP/hyperscalers and OEMs. Our OEM customers, in turn, sell to multinational corporations, small- and medium-sized enterprises, independent hardware and software vendors, systems integrators, communications service providers and government entities.”

Annual report 2025A · The company itself

“We sell a significant portion of our products through third parties, such as distributors, value-added resellers and channel partners (collectively referred to as distributors), as well as OEMs and ODMs. We depend on many distributors to help us create end-customer demand, provide technical support and other value-added services to customers, fill customer orders and stock our products. At times, we rely on one or more key distributors for a product, and a material change in our relationship with one or more of these distributors or their failure to perform as expected could reduce our revenue.”

Annual report 2025A · The company itself

“Intrum har cirka 70000 uppdragsgivare på 20 marknader som täcker fordringar inom bank och finansinstitut, telekom, allmännyttiga företag, e-handel, detaljhandel, försäkring och små och medelstora företag.”

Annual report 2024A · The company itself

“Uppdragsgivare Våra uppdragsgivare är företag inom olika branscher som vi hjälper att få betalt. Uppdragsgivarna omfattar allt från multinationella företag till små och medelstora företag.”

Annual report 2024A · The company itself

“Our Business Portfolio We organize our businesses into two reportable segments: Global Business Solutions: This segment serves small and mid-market businesses and accountants around the world. QuickBooks and Intuit Enterprise Suite are offerings powered by our all-in-one business platform which includes financial management services, human capital management solutions such as payroll and time tracking, money solutions such as merchant payment processing, bill pay, checking accounts through an FDIC-member bank partner, and financing for small and mid-market businesses.”

Annual report 2026A · The company itself

“MARKETING, SALES, AND DISTRIBUTION CHANNELS Markets Our primary customers are consumers and small and mid-market businesses. We also provide specialized tax and accounting products to professional accountants.”

Annual report 2026A · The company itself

“We provide access to capital to small and mid-market businesses and consumers, which exposes us to risk, and may cause us material financial or reputational harm. We provide qualified small and mid-market businesses and consumers with access to capital from third-party lenders, including term loans, lines of credit and business credit cards. We purchase some or all of those loans from the lender.”

Annual report 2026A · The company itself

“We sell substantially all of our retail investment products through a variety of third-party financial intermediaries.”

Annual report 2025A · The company itself

“Fristads inom Hultafors Group har lanserat ett koncept för insamling och återanvändning av arbetskläder för specifika kunder, och Swegon har etablerat partnerskapet RE:create, för att tillsammans med stora fastighetsbolag diskutera effektiva lösningar för ett cirkulärt flöde av en fastighets tekniska installationer.”

Annual report 2024A · The company itself

“We provide property management and other services on a contractual basis to co-investors in certain of our joint ventures that invest in single-family rental properties. These services include marketing, leasing, maintenance, renovation, accounting, transaction management, and financial markets services.”

Annual report 2025A · The company itself

“Customer segments 41% Office-based 21% Production-based 15% Healthcare 23% Other”

Annual report 2025A · The company itself

“This increases demand for partners who can deliver transparent, standardised, and efficient solutions at scale. ISS operates in the global outsourced facility services industry, a market valued at approximately DKK 8 trillion.”

Annual report 2025A · The company itself

“In 2025, ISS strengthened its customer portfolio with a series of significant new partnerships across key markets. ISS won ten new contracts, including European contracts with Danish-based companies like COWI, covering 11 countries and 44 offices, and Velux covering 12 countries in Northern, Central & Southern Europe.”

Annual report 2025A · The company itself

“Our customer base includes a large number of Fortune 500 companies.”

Annual report 2025A · The company itself

“Jeudans væsentligste kundesegmenter er: erhvervskunder i kontorlejemål, erhvervskunder i detaillejemål og privatkunder i boliglejemål”

Annual report 2025A · The company itself

“I de seneste tre regnskabsår har Jeudan ha tab ved misligholdelse af lejekontrakter i niveauet DKK , mio. pr. år, svarende til ,  af omsætningen i .”

Annual report 2025A · The company itself

“31. december 2025  Jeudan Årsrapport  – Risikofaktorer Jeudans udlejningsprocent            København/Frederiksberg Hele porteføljen Tomgangsleje ved forøget tomgangsprocent                       Tomgangsleje DKK mio. DKK mio. % Kundernes betalingsevne Jeudan lægger vægt på at tiltrække gode og kreditværdige kunder. Ved indgåelse af lejekontrakter søger Jeudan at afdække kundernes betalingsevne, i det omfang det er relevant.”

Annual report 2025A · The company itself

“Forretningsmodellen bygger på langvarige og tillidsfulde relationer til kunder og samarbejdspartnere. Et samarbejde, der understøes af en tæt og løbende dialog med Jeudans kunder, hvor særligt de fleksible lejevilkår er med til at give en grad af tryghed.”

Annual report 2025A · The company itself

“Der ses en større eerspørgsel på fællesskaber og kontorer, hvor virksomheder kan få alle de services, de har brug for på ét sted.”

Annual report 2025A · The company itself

“Det er et spørgsmål, som vi ved, mange af Jeudans erhvervskunder har tænkt over i .”

Annual report 2025A · The company itself

“Kravet til risikospredning gør, at Jeudans investeringer som udgangspunkt rees mod ejendomme, der er sammensat af flere kunder med mellemstore lejemål, som hovedregel op til .-. m, medmindre der er tale om kunder med utvivlsom betalingsevne og -vilje og en længere uopsigelighed.”

Annual report 2025A · The company itself

“Jeudans væsentligste kundesegmenter er: erhvervskunder i kontorlejemål, erhvervskunder i detaillejemål og privatkunder i boliglejemål.”

Annual report 2025A · The company itself

“Eteläisen Suomen alueella aloitettiin yhteistyö ulkoisen kumppanin kanssa B-to-B-kanavista ostettujen ja tuontiautojen prosessoinnin tehostamiseksi.”

Annual report 2024A · The company itself

“Toisen vuosipuoliskon aikana Kamux solmi Secto Automotiven kanssa pitkäaikaisen yhteistyösopimuksen, jonka myötä Kamux toimii Secto Automotiven kumppanina palautuville leasingautoille ja Secto Automotive toimii Kamuxin yritysasiakkaiden leasingkumppanina vähän käytettyjen henkilö- ja pakettiautojen osalta.”

Annual report 2024A · The company itself

“Kesko’s wholesale to retailers accounted for 43% (45%) of the Group’s net sales in 2025. B2B trade accounted for 41% (37%) of the Group’s net sales in 2025.”

Annual report 2025A · The company itself

“The Consumer Bank serves individuals and small businesses throughout our 15-state branch footprint and through our digital brand by offering a variety of deposit and investment products, personal finance and financial wellness services, lending, student loan refinancing, mortgage and home equity, credit card, treasury services, and business advisory services.”

Annual report 2025A · The company itself

“Med nesten 2 300 leverandører, jobber vi med store og små selskap i en rekke land og over hele Norge.”

Annual report 2024A · The company itself

“Konsolidator® is the go-to platform for future-ready finance departments, delivering precise financial consolidation with security, governance, and compliance.”

Annual report 2025A · The company itself

“Kundbasen är bred – med allt ifrån små och medelstora företag till myndigheter.”

Annual report 2024A · The company itself

“Lifcos affärsidé är att förvärva och utveckla marknadsledande nischverksamheter med potential att leverera uthållig resultattillväxt och goda kassaflöden. En stark del av kulturen är den decentraliserade organisationen där besluten fattas i dotterbolagen.”

Annual report 2024A · The company itself

“LINK’s third GTM approach involves Self-Sign Up (SSU) portals that operate under strong local brands in several markets. These portals are central to LINK’s business model, particularly for serving highmargin small and medium-sized enterprise (SME) customers.”

Annual report 2024A · The company itself

“Loomis unika helhetslösning, som hanterar alla typer av betalningar, har hittills introducerats på fyra marknader i Europa. Tack vare Loomis starka marknadsposition och kompetens inom betalningar bedöms produktsegmentet Loomis Pay ha en stor tillväxtpotential särskilt inom kundsegmentet små och medelstora företag.”

Annual report 2024A · The company itself

“Ett annat prioriterat område är växa inom kundgruppen små och medelstora företag, som numera ofta saknar tillräcklig service från sina banker och som utgörs av miljontals företag i regionen.”

Annual report 2024A · The company itself

“Loomis starka marknadsposition inom kontanthantering tillsammans med spetskompetens inom digitala betalningar gör att produktsegmentet Loomis Pay bedöms ha stor tillväxtpotential. Särskilt är Loomis Pay, som hittills har lanserats på fyra geografiska marknader, ett attraktivt erbjudande och en styrka när Loomis växer inom kundgruppen små och medelstora företag.”

Annual report 2024A · The company itself

“Ökat fokus på små och medelstora företag Loomis har traditionellt fokuserat på nyckelkundgrupperna banker och stora återförsäljare. Inför den nya strategiperioden har Loomis breddat sitt fokus och inkluderar även små och medelstora företag, en kundgrupp som i dag får allt mindre service med kontantrelaterade tjänster av bankerna.”

Annual report 2024A · The company itself

“Omställningen hos centralbanker och nya affärsmodeller för banker gör att efterfrågan på outsourcinglösningar från banker och stora återföräljare har ökat på senare år. Samtidigt växer marknaden mot små och medelstora företag, som fortfarande är i stort beroende av kontanter, när bankerna inte längre vill hantera kontanter.”

Annual report 2024A · The company itself

“Det tvingar i sin tur små och medelstora företag att resa längre för att hantera insättningar av kontanter eller hänvisas direkt till kontanthanteringsspecialister.”

Annual report 2024A · The company itself

“Tillväxtmöjligheter finns dels inom våra befintliga kundgrupper; centralbanker, banker och stora företag, dels inom en ny kundgrupp; små och medelstora företag.”

Annual report 2024A · The company itself

“Expandera till kundsegmentet små och medelstora företag med stöd av Loomis etablerade infrastruktur.”

Annual report 2024A · The company itself

“The local companies that participate in the Lundin Foundation’s local supplier development program continued to provide products and services to FDN, while also advancing growth strategies. The Lundin Foundation’s Soy Emprendedora program, which supports women led businesses in the Province of Zamora Chinchipe, continued to show positive impacts and results.”

Annual report 2024A · The company itself

“Luotea on tiivistänyt sidosryhmien odotukset seuraaviin kolmeen näkökulmaan: • Vastuullisen liiketoiminnan toiminnanjohtajuus: Yhtenä alan johtavana yhtiönä Luotean odotetaan kehittävän koko alaa yhteiskunnan kannalta oikeaan suuntaan ja toimivan ympäristöasioissa oikein ja kestävästi. • Hyvä työnantajuus: Suurena työllistäjänä ja palveluyrityksenä Luotea edellytetään olevan vastuullinen työnantaja, joka pitää huolta henkilöstönsä hyvinvoinnista ja kohtelee henkilöstöään hyvin ja tasapuolisesti sekä noudattaa erityistä huolellisuutta haavoittuvassa asemassa olevien työntekijöiden työsuhteissa. • Hyödyllinen kumppani: Luotean odotetaan olevan asiakkaidensa hyödyllinen kumppani, joka kehittää uusia palveluita ja tukee asiakkaita heidän omien tavoitteidensa saavuttamisessa sekä pitää kiinni lupauksistaan.”

Annual report 2025A · The company itself

“Vuonna 2025, Luotea toteutti seuraavat toimet edellä mainittujen resurssien käyttöön ja kiertotalouteen liittyvien toimintaperiaatteiden päämäärien ja tavoitteiden saavuttamiseksi: Jätteiden synnyn ehkäisy Luotea tuki ja konsultoi yritysasiakkaitaan jätteiden synnyn ehkäisemisessä. Yhtiön kattavat asiakasraportoinnin työkalut tarjosivat asiakkaille näkyvyyden asiakkaan toiminnassa syntyviin jätevirtoihin mahdollistaen asiakkaalle jätteiden syntyä vähentävät toimenpiteet.”

Annual report 2025A · The company itself

“Lending is generally focused on consumers residing in areas where M&T Bank maintains banking offices, and on small and medium-size businesses based in those areas, although loans are originated through offices in other states and in Ontario, Canada.”

Annual report 2025A · The company itself

“The most significant source of funding for the Company is core deposits, which are generated from a large base of consumer, corporate and institutional customers.”

Annual report 2025A · The company itself

“Mandatum tarjoaa laajat varainhoitopalvelut asiakkailleen, joihin kuuluu suomalaisia ja kansainvälisiä institutionaalisia sijoittajia, yrityksiä ja varakkaita yksityishenkilöitä.”

Annual report 2025A · The company itself

“Mandatum palvelee yritysasiakkaita kahdessa pääsegmentissä: suuret ja keskisuuret asiakkaat sekä yrittäjävetoiset asiakkaat. Suurten ja keskisuurten yritysten kohdalla pääpaino on palkitsemisessa sisältäen henkilö- ja eläkevakuutukset sekä palkkiorahastot, kun taas pienille yrityksille ja yrittäjille Mandatum tarjoaa ensisijaisesti varautumisen ja vaurastumisen palveluita.”

Annual report 2025A · The company itself

“Yritysasiakkaissa Mandatum palvelee tuhansia yrityksiä ympäri Suomea niiden elinkaaren eri vaiheissa. Suurten ja keskisuurten yritysten kohdalla pääpaino on palkitsemisessa sisältäen henkilö- ja eläkevakuutukset sekä palkkiorahastot, kun taas pienemmille yrityksille ja yrittäjille tarjotaan vakuutus- ja sijoituspalveluita.”

Annual report 2025A · The company itself

“•Corporate serves middle-market clients globally and is also serviced through Marsh McLennan Agency (MMA). ◦Marsh McLennan Agency (MMA) provides business insurance, employee health and benefits, retirement and wealth management and private client insurance solutions to individuals and mid-market organizations. MMA advises on insurance program structure and market dynamics, along with industry expertise and transactional capability.”

Annual report 2025A · The company itself

“Our point-of-sale offerings include: •Small business cards (credit, debit and prepaid) tailored to small and medium businesses Key 2025 Developments •As of the end of 2025, we had embedded our virtual card technology in more than 10 global B2B and travel and expense platforms (more than double the number of platforms in 2024), increasing the opportunity for financial institutions and businesses to integrate card payments into their existing corporate invoice payment workflows.”

Annual report 2025A · The company itself

“Commercial We offer commercial credit, debit and prepaid payment products and solutions that meet the payment needs of large corporations, midsize companies, small businesses and government entities at the point of sale. Our point-of-sale solutions streamline procurement and payment processes, manage information and expenses (such as travel and entertainment) and reduce administrative costs.”

Annual report 2025A · The company itself

“We also offer products that make it easier for merchants to accept payments and expand their customer base. ◦Our contactless payment solutions help deliver a simple and intuitive way to pay. Solutions such as SmartPOS and SoftPOS reduce the barrier to entry for merchants (including small businesses). Our Tap on Phone acceptance technology enables businesses of all sizes to accept payments from any contactless card or mobile wallet directly from their device, providing a turnkey and cost-effective solution without any additional hardware required.”

Annual report 2025A · The company itself

“Examples include digital wallet providers, point-of-sale financing/buy-now-pay-later providers, mobile operator services, mobile phone-based money transfer and microfinancing services, device manufacturers, B2B accounts payable and accounts receivable providers. •Digital Public Infrastructure and Other Government-Backed Solutions.”

Annual report 2025A · The company itself

“Our North American Pharmaceutical segment distributes branded, generic, specialty, biosimilar and over-the-counter (“OTC”) pharmaceutical drugs, and other healthcare-related products to customers in the United States (“U.S.”) and Canada. In addition, the segment sells financial, operational, and clinical solutions to pharmacies (retail, hospital, alternate sites) and provides consulting, outsourcing, technological, and other services.”

Annual report 2026A · The company itself

“Our Medical-Surgical Solutions segment is a leading provider of medical-surgical supplies, laboratory equipment, and pharmaceutical distribution, logistics, and other services to non-acute settings in the U.S. These include healthcare providers operating in ambulatory care environments, such as physician offices, surgery centers, and hospital reference labs, as well as extended care settings, including nursing homes, hospice and home health care agencies, government markets, and online marketplaces and retailers.”

Annual report 2026A · The company itself

“Our more than 336,000 customers include physician offices, surgery centers, post-acute care facilities, hospital reference labs, and home health agencies.”

Annual report 2026A · The company itself

“Affärsområdet fokuserar i huvudsak på grossistförsäljning och butiksverksamhet genom den välkända kedjan BilXtra.”

Annual report 2024A · The company itself

“Sales and Operations The majority of our marketers use our self-service ad platform to launch and manage their advertising campaigns. We also have a global sales force that is focused on attracting and retaining advertisers and providing support to them throughout the stages of the marketing cycle from pre-purchase decision-making to real-time optimizations to post-campaign analytics.”

Annual report 2025A · The company itself

“We sell these products to corporations and other institutions (including local, state and federal governments) and their respective employees, as well as individuals.”

Annual report 2025A · The company itself

“Group Benefits The Group Benefits segment, based in the U.S., offers a broad range of products to corporations and their respective employees, other institutions and their respective members, as well as individuals. These products include term, variable and universal life insurance, dental, group and individual disability, accident & health insurance and vision.”

Annual report 2025A · The company itself

“RIS The RIS segment, based in the U.S., offers a broad range of life and annuity-based insurance and investment products to corporations and their respective employees, other institutions and their respective members, as well as individuals.”

Annual report 2025A · The company itself

“Asia The Asia segment offers a broad range of products and services to both individuals and corporations, as well as to other institutions, and their respective employees, which include life insurance, accident & health insurance and retirement and savings.”

Annual report 2025A · The company itself

“Latin America The Latin America segment offers a broad range of products to both individuals and corporations, as well as to other institutions, and their respective employees, which include life insurance, retirement and savings, accident & health insurance and credit insurance.”

Annual report 2025A · The company itself

“Microsoft 365 Commercial seats grew 6% driven by small and medium businesses and frontline worker offerings.”

Annual report 2026A · The company itself

“Minnesota har haft en stabil utveckling under året med många framgångsrika samarbeten även om vi märkt av en något lägre efterfrågan totalt sett.”

Annual report 2024A · The company itself

“Under det gångna året har Hansen fortsatt att utvecklas i en positiv riktning, präglad av både stark efterfrågan och framgångsrikt genomförande. Vi har sett en ökning i både antal affärer och nya kunder, vilket har resulterat i stabil intäktstillväxt och en stärkt marknadsposition.”

Annual report 2024A · The company itself

“Koncernens samlade erbjudande riktar sig till både privatkonsumenter och företagsmarknaden.”

Annual report 2024A · The company itself

“Verksamheterna inom musikal och teater riktar sig huvudsakligen till privatkunder där den egna biljettsajten Showtic har en central roll för marknadsföring och försäljning. För verksamheter inom show-, mat och aktivitetsupplevelser vänder sig koncernen till en mer blandad målgrupp där även en hel del företagsbokningar återfinns.”

Annual report 2024A · The company itself

“Verksamhetsområdena Corporate Entertainment, Artist, Event och Brand Engagement riktar sig i princip helt till företagsmarknaden då det är där kunden finns även om gästen som upplever det som skapas kan vara där antingen i egenskap av privatperson eller i sin professionella roll.”

Annual report 2024A · The company itself

“Our Monster Energy® Drinks segment primarily generates net operating revenues by selling ready-to-drink packaged drinks primarily to bottlers and full service beverage distributors (“bottlers/distributors”). In some cases, we sell ready-to-drink packaged drinks 3 Table of Contents directly to retail grocery and specialty chains, wholesalers, club stores, mass merchandisers, convenience and gas chains, drug stores, foodservice customers, value stores, e-commerce retailers and the military.”

Annual report 2025A · The company itself

“Customers Our non-alcohol customers are primarily full service beverage bottlers/distributors, retail grocery and specialty chains, wholesalers, club stores, mass merchandisers, convenience and gas chains, drug stores, foodservice customers, value stores, e-commerce retailers and the military.”

Annual report 2025A · The company itself

“Bank Subsidiaries accept deposits, provide loans to a variety of customers, including large corporate and institutional clients, as well as high to ultra-high net worth individuals, and invest in securities.”

Annual report 2025A · The company itself

“PART I Item 1: Business Overview | Solving for safer Motorola Solutions is a global leader in mission-critical safety and security technologies for public safety, government, including defense, and enterprise customers.”

Annual report 2025A · The company itself

“Late payments can negatively a ffect the liquidity or financial position of suppliers, especially for small and medium sized suppliers. A delay in payments form a larger customer, such as Multiconsult, is more likely to have a damaging consequence for a small business.”

Annual report 2024A · The company itself

“Private sector revenue 3,063.4”

Annual report 2025A · The company itself

“Within the private sector, our subsidiary SCALES continued to reinforce its leadership in ERP and business transformation projects”

Annual report 2025A · The company itself

“Beroendet av enskilda kunder är lägst inom Engineered Solutions marknadsområde för allmän industri som omfattar ett stort antal kunder.”

Annual report 2024A · The company itself

“Småföretagen är hjärtat i de nordiska ekonomierna och representerar en stor möjlighet för Nordea. De utgör en stor och lönsam marknad, där vi ännu inte har den marknadsandel som motsvarar vår storlek.”

Annual report 2025A · The company itself

“Våra centrala produkter inom bolån, sparande och placeringar för hushåll samt likviditetshantering för företag är vardagstjänster som våra kunder förlitar sig på.”

Annual report 2025A · The company itself

“Under 2025 fortsatte vi att utveckla vårt erbjudande inom likviditetshantering och betalningar, som utgör en viktig del i arbetet med att fördjupa kundrelationerna. Med vår goda kapacitet inom likviditetshantering kan vi positionera oss som husbank och skapa möjligheter för kringförsäljning.”

Annual report 2025A · The company itself

“Våra fyra affärsområden tillgodoser behoven hos olika kundsegment – från hushåll och småföretag till några av de största företagen i Norden med hela världen som marknad.”

Annual report 2025A · The company itself

“I Business Banking erbjuder vi små och medelstora företag ett heltäckande utbud av banktjänster som hjälper dem att växa och utvecklas på ett hållbart sätt. Våra rådgivningstjänster och ett omfattande utbud av produkter och digitala lösningar bidrar till kundernas framgångar, såväl lokalt som internationellt.”

Annual report 2025A · The company itself

“Tillväxt: Växa snabbare än marknaden i Sverige och Norge, och fokusera på småföretag och starkare relationer.”

Annual report 2025A · The company itself

“Vækstpotentialet drives af øget omsætning fra både eksisterende, større detailkæder og fra nye kunder, særligt små og mellemstore forhandlere, i udviklingen af nye digitale formater og i udbredelse af platformene til flere lande.”

Annual report 2025A · The company itself

“Publisher-platformen henvender sig til både større detailkæder og til små og mellemstore forhandlere, som i stigende grad søger brugervenlig, automatiseret teknologi og seriøse medier til digital synlighed af deres produkter og services.”

Annual report 2025A · The company itself

“The Company is a leading carrier for leisure-oriented traffic in the Nordics and has in recent years also been taking market share within the corporate travel market.”

Annual report 2024A · The company itself

“The business area is responsible for sales activities towards corporate, leisure, cargo, and charter contracts.”

Annual report 2024A · The company itself

“Its key customer segments include corporate customers and leisure customers.”

Annual report 2024A · The company itself

“KUNDER Novoteks kunder har en bred spridning vad gäller branschtillhörighet och storlek. Kunderna är allt från konsulter, Original Equipment Manufacturers (OEM), systemintegratörer till slutanvändare av Novoteks lösningar, produkter och tjänster. Slutanvändare är såväl stora exportföretag som kommuner eller mindre företag.”

Annual report 2024A · The company itself

“Long-Term Incentive Plan), assumed by NRG pursuant to merger between NRG and Vivint Winter Storm Uri A major winter and ice storm that had widespread impacts across North America occurring in February 2021 6 PART I Item 1 — Business General NRG Energy, Inc., or NRG or the Company, serves electricity, natural gas, and smart-home technology solutions to approximately 8 million residential customers (comprised of 6 million retail energy and 2 million smart home), in addition to large commercial and industrial, data center, and wholesale customers.”

Annual report 2025A · The company itself

“These solutions include system power, natural gas, demand response, distributed and backup generation, energy storage, energy management, renewable and low-carbon products and carbon management, energy efficiency, and bring your own power (“BYOP”) arrangements for large loads.”

Annual report 2025A · The company itself

“O’Reilly is one of the largest specialty retailers of automotive aftermarket parts, tools, supplies, equipment, and accessories across North America, selling our products to both do-it-yourself (“DIY”) and professional service provider customers, our “dual market strategy.””

Annual report 2025A · The company itself

“In 2025, we derived approximately 50% of our sales from our DIY customers and approximately 50% of our sales from our professional service provider customers. Historically, we have increased our sales to professional service provider customers at a faster pace than the increase in our sales to DIY customers due to the more fragmented nature of the professional service provider business, which offers a greater opportunity for consolidation. We believe we will continue to have a competitive advantage on the professional service provider portion of our business, due to our systems, knowledge, industry-leading parts availability, and experience serving the professional service provider side of the automotive aftermarket, augmented by our approximately 825 full-time sales staff dedicated solely to calling upon and servicing the professional service provider customer.”

Annual report 2025A · The company itself

“To develop our continued relationships with professional service providers and installers, we employ Territory Sales Managers in all major markets to ensure complete sales territory coverage and personalized service for professional customers. Flyers, quick reference guides, and catalogs are distributed on a regular basis to all professional service providers, including paint and body shops and fleet maintenance customers to encourage brand and program awareness. In addition, our professional customer program also offers a proprietary ordering mobile application, business ecommerce platform called www.OReillyPro.com, dedicated Professional Service Specialists in stores, multiple daily deliveries, and access to training opportunities, shop management, maintenance supplies, and the Certified Auto Repair program, which offers professional service providers with the business tools they need to profitably grow and market their business.”

Annual report 2025A · The company itself

“Our global customer base includes businesses of various sizes and industries, government agencies, educational institutions and resellers that we market and sell to directly through our worldwide sales force or indirectly through the Oracle Partner Network.”

Annual report 2026A · The company itself

“Wholesale 3,862 4,684 -8% -16% 12% 15%”

Annual report 2025A · The company itself

“Third-party distribution 753 861 -11% -11% 2% 3%”

Annual report 2025A · The company itself

“De fire kontorejendomme i Parken var ultimo 2025 95% udlejet”

Annual report 2025A · The company itself

“Our Customers We provide HCM solutions to a diverse customer base operating in a broad range of industries throughout the U.S. and parts of Europe.”

Annual report 2026A · The company itself

“SurePayroll® serves the digitally driven small business self-service market. Paychex Flex® is our proprietary HCM SaaS platform for small and medium-sized businesses. Paycor® is our primary SaaS-based HCM platform for larger businesses with more complex needs.”

Annual report 2026A · The company itself

“In certain markets, we offer access to merchant financing products for eligible small and medium-sized businesses through our PayPal Working Capital (“PPWC”) and PayPal Business Loan (“PPBL”) products, which we collectively refer to as our merchant financing solutions. Our PPWC product allows businesses to access a loan or cash advance (depending on a merchant’s home country) for a fixed fee, based on their annual payment volume processed by PayPal.”

Annual report 2025A · The company itself

“•Merchants: We help merchants connect with customers, increase conversion rates and sales, and grow their businesses in the markets where our services are available. We provide large enterprises and small and medium businesses with online branded checkout solutions, including PayPal and Venmo; online unbranded payments processing; PayPal buy now, pay later (“BNPL”) solutions; in-person point of sale solutions; business financing; payouts capabilities; and risk tools.”

Annual report 2025A · The company itself

“Av årets nettoomsättning har andelen till offentliga kunder fortsatt att öka och stod för 56 procent (48) medan privata kunder stod för 44 procent (52).”

Annual report 2024A · The company itself

“Peab har ett brett marknadserbjudande till såväl privat som offentlig sektor med hela produktionskedjan från tillverkning av byggmaterial till färdiga hus och vägar.”

Annual report 2024A · The company itself

“Men vi har en lång väg att gå och kundförvärv och kundlojalitet är fortfarande vår högsta prioritet.”

Annual report 2024A · The company itself

“According to the occupational health statistics of Kela, approximately 2.1 million workers are covered by occupational healthcare services, and private clinics are the most significant providers of occupational healthcare services.”

Annual report 2025A · The company itself

“Occupational health services focus on maintaining the work ability of companies’ employees and providing cost-effective solutions for companies.”

Annual report 2025A · The company itself

“For corporate customers in occupational healthcare, Pihlajalinna offers services that help maintain work ability with the aim of supporting organisations and helping them achieve their goals. In addition to statutory preventive services, Pihlajalinna offers medical care services.”

Annual report 2025A · The company itself

“These comprehensive care path services are provided by Pihlajalinna to corporate customers, insurance companies, the public sector, and private customers through its nationwide network of medical centers and diverse digital channels.”

Annual report 2025A · The company itself

“Important stakeholders include insurance companies, companies, consumers and the public sector.”

Annual report 2025A · The company itself

“PION Group AB tillhör konsult- och rekryteringsbranschen och majoriteten koncernens bolag är auktoriserade av branschorganisationer i Sverige, Finland och Norge.”

Annual report 2024A · The company itself

“PNC has businesses engaged in retail banking, corporate and institutional banking and asset management, providing many of our products and services nationally.”

Annual report 2025A · The company itself

“We are organized around our customers and communities for strong relationships and local delivery of retail and business banking including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management.”

Annual report 2025A · The company itself

“We are subject to supervision and regulation by the CFPB with respect to a broad range of federal consumer financial laws and regulations, including the laws and regulations that relate to deposit products, credit card, mortgage, automobile, student and other consumer loans, and other consumer financial products and services that we offer.”

Annual report 2025A · The company itself

“Posti operates in a labor-intensive sector as a delivery and fulfillment services provider.”

Annual report 2025A · The company itself

“Downstream, Posti serves a diverse customer base that includes both consumers and business customers.”

Annual report 2025A · The company itself

“We believe small and medium-sized businesses are an underserved market, offering attractive growth opportunities in the retirement and employee benefit markets.”

Annual report 2025A · The company itself

“Our global asset management businesses serve a broad range of institutional, retirement, high net worth, and retail investors worldwide.”

Annual report 2025A · The company itself

“In the U.S., we offer a broad array of retirement and employee benefit and insurance solutions to meet the needs of the business owner and their employees. We are a leading provider of defined contribution plans, nonqualified plans, defined benefit plans and pension risk transfer services.”

Annual report 2025A · The company itself

“In addition, we are one of the largest providers of specialty benefits and insurance solutions for business owners and their employees.”

Annual report 2025A · The company itself

“As of December 31, 2025, we provided WSRS products to (a) over 42,000 defined contribution plans including $625.3 billion in assets and covering approximately 11.3 million eligible plan participants, and (b) to over 1,600 defined benefit plans, including $17.2 billion in assets and covering over 371,000 eligible plan participants.”

Annual report 2025A · The company itself

“Markets and Distribution Our target markets for individual variable annuities and RILAs include owners, executives and employees of small and medium-sized businesses and individuals seeking to accumulate and/or eventually receive distributions of assets for retirement.”

Annual report 2025A · The company itself

“Principal Asset Management Segment Our Principal Asset Management segment provides global investment solutions to institutional, retirement, retail and high net worth investors in the U.S. and select emerging markets.”

Annual report 2025A · The company itself

“Specialty Benefits Specialty Benefits, which includes group dental, life, disability insurance, supplemental health and individual disability insurance, is an important component of the employee benefit offering primarily at small and medium-sized businesses. We serve approximately 103,000 employer groups, providing 321,000 total coverages to more than 3,300,000 employees.”

Annual report 2025A · The company itself

“Life Insurance We specialize in providing solutions primarily for small to medium-sized businesses to protect against risk and loss, assist with succession planning and wealth transfer and to build and protect wealth for retirement. We also provide solutions to meet the personal needs of business owners, executives and key employees.”

Annual report 2025A · The company itself

“We market our group insurance products primarily to small and medium-sized businesses, through brokers and consultants.”

Annual report 2025A · The company itself

“We sell our individual life and individual disability insurance products in all 50 states and the District of Columbia, primarily targeting owners, executives and key employees of small and medium-sized businesses.”

Annual report 2025A · The company itself

“Commercial Lines The Commercial Lines operating segment writes auto-related liability and physical damage insurance, business-related general liability and commercial property insurance predominately for small businesses, and workers’ compensation insurance primarily for the transportation industry.”

Annual report 2025A · The company itself

“We also offer business-related general liability and commercial property insurance predominantly for small businesses, workers’ compensation insurance primarily for the transportation industry, and other specialty property-casualty insurance and provide related services.”

Annual report 2025A · The company itself

“•The Group Insurance segment provides and distributes a full range of group life, long-term and short-term group disability, and group corporate-, bank- and trust-owned life insurance.”

Annual report 2025A · The company itself

“PSE&G earns revenues from its regulated rate tariffs under which it provides electric transmission and electric and natural gas distribution to residential, commercial and industrial (C&I) customers in its service territory.”

Annual report unknown yearA · The company itself

“We provide distribution service to 2.4 million electric customers and 1.9 million gas customers in a service area that covers approximately 2,600 square miles running diagonally across New Jersey. We serve the most densely populated, commercialized and industrialized territory in New Jersey, including its six largest cities and approximately 300 suburban and rural communities.”

Annual report unknown yearA · The company itself

“PSEG Power sells wholesale natural gas, primarily through a full-requirements BGSS contract with PSE&G to meet the needs of PSE&G’s default gas supply service customers.”

Annual report unknown yearA · The company itself

“Puuilo is one of the leading discount retailers in Finland and it serves both consumers and B2B customers in the repair and maintenance as well as construction sector.”

Annual report 2026A · The company itself

“We offer a wide range of employer population health services, including biometric screenings, flu shots and related preventative services that leverage clinical data to improve population health outcomes and reduce healthcare spend. Our solutions enable employers to leverage screening insights to identify chronic disease risks, guide employees to needed in-network care, and improve employee health with intervention services.”

Annual report 2025A · The company itself

“Employers Employers use tests for drugs of abuse to determine an individual's employability and “fitness for duty.” Companies with high levels of employee hiring, safety conscious environments or regulatory testing requirements provide the highest volumes of testing. Factors such as the general economy, the job market and changes in the legal environment (e.g., marijuana legalization or decriminalization) can impact the utilization of drugs-of-abuse testing.”

Annual report 2025A · The company itself

“Employers are also investing in population health services. We meet their needs by providing nationwide access to our customizable services (e.g., the Blueprint for Wellness® program) directly and through health plan and health improvement providers. These services help employers, employees and others manage healthcare costs, capitalize on trends in personalized health and improve health outcomes.”

Annual report 2025A · The company itself

“Our small-container services are typically offered to small business complexes, multi-family housing and strip malls and include industries such as restaurants, retail, real-estate and professional and other services.”

Annual report 2025A · The company itself

“Table of Contents A large portion of our revenue is transaction-based, in that we receive consideration in exchange for routing our users’ equity, option, and cryptocurrency trade orders to market makers, wholesalers and other liquidity providers (together, the “Liquidity Providers”) for execution. With respect to equities and options trading, such fees are known as payment for order flow, or “PFOF.””

Annual report 2025A · The company itself

“Banken har fortsatt en bevisst satsning på diversifisering i ulike sektorer.”

Annual report 2024A · The company itself

“Banken kan vise til solid kundevekst, økte markedsandeler, god lønnsomhet og fornøyde kunder.”

Annual report 2024A · The company itself

“Banken tilbyr et bredt spekter av bank- og investeringsprodukter til person- og næringslivsmarkedet.”

Annual report 2024A · The company itself

“We continue to operate under one reportable segment which contains our residential, commercial, and termite service offerings.”

Annual report 2025A · The company itself

“Leading global brand owners in select target markets: Enterprise, ProAudio, and Healthcare”

Annual report 2025A · The company itself

“Subscription and support revenues primarily include subscription fees from customers accessing the Company’s enterprise cloud computing services (collectively, “Cloud Services”), software license revenues from the sales of term software licenses and support revenues from the sales of support and updates beyond the basic subscription or software license sales. Professional services and other revenues include professional and advisory services for process mapping, project management and implementation services and training services.”

Annual report 2026A · The company itself

“Competitive conditions in the Nordic SME market remains stable, while the large commercial segment saw an increase in price competition over 2025, which is expected to carry into 2026.”

Annual report 2025A · The company itself

“Sampo plc’s notes to the financial statements Sampo operates in the Nordic commercial insurance market through its brands If, Topdanmark, and Dansk Sundhedssikring (Oona Health) with a particular focus on SMEs. In total, the Group serves around 460,000 commercial customers in Sweden, Denmark, Norway, and Finland.”

Annual report 2025A · The company itself

“The segment focuses particularly on SMEs. • Nordic Industrial includes the Group’s Nordic Industrial customer business, previously reported under the If segment in Sampo’s accounts. Corporates with revenues of more than SEK 500 million (approx. EUR 45 million), or more than 500 employees, are classified as Industrial customers.”

Annual report 2025A · The company itself

“Sampo reports its financial performance based on the Group’s operational business areas that are regularly reviewed by a chief operating decision-maker. Segments’ customer bases, risks, and performance measures differ from each other.”

Annual report 2025A · The company itself

“Some of our OEM customers have adopted a subcontractor model that requires us to contract directly with companies, such as original design manufacturers, that provide manufacturing and fulfillment services to our OEM customers. Because these subcontractors are generally not as well capitalized as our direct OEM customers, this subcontractor model exposes us to increased credit risks.”

Annual report 2026A · The company itself

“For its B2B customers, Sanoma offers marketing opportunities to reach Finnish consumers.”

Annual report 2025A · The company itself

“Scandic är Nordens ledande hotelloperatör med ett unikt erbjudande för fritids- och affärsresenärer.”

Annual report 2024A · The company itself

“sale of all product categories to wholesalers, distributors and direct to retail”

Annual report 2025A · The company itself

“Scanfil primarily provides its expertise and services to international large and medium-sized companies with low or medium volumes and complex products, while also and selectively serving smaller fast-growing companies.”

Annual report 2025A · The company itself

“In its customer relationships, Siili focuses on large enterprises and the public sector in Finland, the UK, Germany, and the Netherlands.”

Annual report 2025A · The company itself

“Sinch har cirka 75 000 kunder i Nord- och Latinamerika och de består av allt från småföretag som använder Sinchs applikationer till stora företag inom tekniksektorn som förlitar sig på Sinchs APIprodukter, samt stora mobiloperatörer som använder våra tjänster för sammankoppling av röstsamtal.”

Annual report 2024A · The company itself

“Heltäckande utbud av bank- och rådgivningstjänster till privatpersoner och små och medelstora företag i Sverige samt betalningstjänster för företag i Europa.”

Annual report 2024A · The company itself

“Vi ansvarar för distribution av produkter och tjänster till såväl privatpersoner som små och medelstora företag och ansvarar för kontorsnät, distans rådgivning och kontaktcenter.”

Annual report 2024A · The company itself

“Vi erbjuder komplexa bank- och rådgivningstjänster till större eller mer avancerade medelstora företag genom dedikerade kundtjänst team. Mid Corp hjälper kunder med mer avancerade behov och ger tillgång till divisionen Corporate & Investment Banking när kunderna växer i storlek och behoven blir mer komplexa.”

Annual report 2024A · The company itself

“På den lettiska marknaden utmärker sig SEB som den största finansiären för företagskunder.”

Annual report 2024A · The company itself

“Det kan omfatta småföretag och lokala företag som ägs av etniska minoritetsgrupper, kvinnor, krigsveteraner och funktionshindrade personer, för att uppnå regulatoriska såväl som kunders krav. På våra amerikanska marknader har vi tagit fram egna program utformade för att ge dessa företag verktyg och resurser att bli framgångsrika som entreprenörer och ta tillvara möjligheter i storskaliga byggprojekt.”

Annual report 2024A · The company itself

“Kunderna är främst medelstora och större företag och organisationer i Sverige.”

Annual report 2024A · The company itself

“de 10 største kunder for 49,4% af omsætningen (53,4% i 2024)”

Annual report 2025A · The company itself

“SpareBank 1 Helgeland har en sterk og ledende markedsposisjon innenfor personkundemarkedet.”

Annual report 2024A · The company itself

“SpareBank 1 Helgeland har også en sterk markedsposisjon overfor små- og mellomstore bedrifter, med en markedsandel som anslås å være rundt 60 % på Helgeland.”

Annual report 2024A · The company itself

“På bedriftsmarkedet er vi 30 rådgivere og fagspesialister som jobber for at regionens små og mellomstore bedrifter skal lykkes.”

Annual report 2024A · The company itself

“Bankvirksomheten har hatt et spesielt sterkt år, der vi har tatt lønnsom vekst innen både bedrifts- og personmarkedet.”

Annual report 2024A · The company itself

“Vårt mål er å være en positiv bidragsyter og god sparringpartner for å øke bedriftenes bevissthet og praksis rundt miljø, sosiale forhold og virksomhetsstyring.”

Annual report 2024A · The company itself

“En viktig del av bankens samfunnsbidrag er å finansiere gode prosjekter som legger til rette for vekst og utvikling av arbeidsplasser, noe som igjen bidrar til lokal velferd i markedsområdene våre og styrker regionens attraktivitet. BM tilbyr lån og kreditter, rådgiving, betalingsformidling i inn og utland, sikring av rente og valutaforretninger, plassering av overskuddslikviditet, forsikring av personer, pensjonsløsninger samt bygg og løsøre til næringslivet.”

Annual report 2024A · The company itself

“SpareBank 1 ForretningsPartner Østlandet AS omsatte for 187 millioner kroner i 2024. Selskapet fikk et underskudd etter skatt på 30 millioner kroner mot et uderskudd etter skatt på minus 2 millioner kroner i 2023.”

Annual report 2024A · The company itself

“Satsingen har vært ytterligere styrket gjennom 2024, og banken tilbyr bransjeledende digitale løsninger som samlet gir kundene bred tilgang til ulike tjenester. De viktigste kundegruppene er personkunder, små og mellomstore bedrifter, kommuner samt organisasjons markedet der fagbevegelsen er spesielt viktig.”

Annual report 2024A · The company itself

“BM betjener over 32 200 bedriftskunder som i all hovedsak er små og mellomstore bedrifter, offentlig sektor samt lag og foreninger.”

Annual report 2024A · The company itself

“Dette tilbudet er hovedsakelig rettet mot personmarkedet. Det jobbes med å utvikle liknende tiltak for bedriftsmarkedsporteføljen.”

Annual report 2024A · The company itself

“• Konserndirektør Kommunikasjon og samfunn • Konserndirektør Teknologi og utvikling • Konserndirektør Bedriftsmarked • Konserndirektør Personmarked • Generelle retningslinjer for samfunnsansvar og bærekraft • Retningslinjer for samfunnsansvar og bærekraft for bedriftsmarkedet • Retningslinjer for samfunnsansvar og bærekraft i eierstyringen • Etiske retningslinjer B06 Samfunnsansvar og samfunnsengasjement (S3) OverskuddsdelingFinansiering av lokal verdiskaping Banken deler sitt overskudd, blant annet i form av spons, gaver og gjennom kundeutbytte. Sistnevnte bidrar til økonomisk inkludering ved at kundene får en direkte økonomisk fordel av å være en del av bankens fellesskap.”

Annual report 2024A · The company itself

“Produktene og tjenestene våre har stor betydning for både privatpersoner, bedrifter og organisasjoner.”

Annual report 2024A · The company itself

“Banken finansierer i det vesentlige person og næringslivs kunder i Østlandsområdet og deltar i finansieringen av enkel prosjekter i samarbeid med andre banker i SpareBank 1alliansen.”

Annual report 2024A · The company itself

“SpareBank 1 Finans Østlandet AS er et finansieringsselskap som tilbyr leasing og lån gjennom forhandlere, samarbeidende banker og direkte mot kunder.”

Annual report 2024A · The company itself

“Banken har også arbeidet med videreutvikling av sitt bærekraftslinkede utlånsrammeverk gjennom et bransjesamarbeid i Frendegruppen. Dette skal sikre at markedet for bærekraftslinkede lån er troverdig, med ambisiøse bærekraftsmål og KPIer, samtidig som produktet også skal være tilgjengelig for en større del av bedriftsmarkedet, inkludert SMB-markedet.”

Annual report 2024A · The company itself

“For bedriftsmarkedet omhandler KPI’ene i taksonomien kun de største kundene og Sparebanken Vests portefølje er i størst grad representert av SMB-kunder. Disse regnes ikke med i den grønne brøken.”

Annual report 2024A · The company itself

“Tibnor bidrar till SSABs strategi genom att: • Stärka positionen på den nordiska hemmamarknaden genom fokus på små och medelstora kunder • Nära samarbete med SSABs divisioner främjar stabilitet över konjunkturcykeln • Marknadsföra SSABs premium- och serviceerbjudanden, inklusive fossilfritt stål • Ökat värdeskapandet genom att utveckla komponenttillverkning och annan bearbetning Tibnor är koncernens fullsortimentsdistributör av stål och metaller i Norden och Baltikum.”

Annual report 2024A · The company itself

“The principal customers for our structural steel products are steel service centers, steel fabricators and various manufacturers. Service centers provide key distribution channels for the mills and value-add services to the end-user.”

Annual report 2025A · The company itself

“Admit erbjuder ekonomitjänster som ett helhetskoncept och kundspecifika lösningar kring redovisning, lönehantering, rapportering, bokslut och skatterådgivning. Admit med huvudkontor i Örebro är ett väletablerat alternativ för små och medelstora företag över hela Sverige, som väljer att outsourca sina ekonomitjänster.”

Annual report 2024A · The company itself

“I bedriftsmarkedet bidrar vi til at virksomheter kan ta risiko, utvikle sin forretning, tiltrekke medarbeidere og skape verdier både for eiere og ansatte.”

Annual report 2024A · The company itself

“Som en tilbyder av pensjon-, sparing-, forsikring- og banktjenester til over 55 000 bedriftskunder og 2,2 millioner personkunder – og over 1 400 milliarder kroner i forvaltet kapital – er Storebrand en viktig samfunnsaktør som kan bidra til å akselerere den bærekraftige utviklingen.”

Annual report 2024A · The company itself

“Affärsområdena bidrar till en god verksamhetsmässig och geografisk diversifiering, vilket skapar stabilitet och motståndskraft. Gemensamt för affärsenheterna, oavsett bransch, är en stark marknadsposition, en beprövad affärsmodell, bevisat uthållig lönsamhet samt en entreprenöriell anda.”

Annual report 2024A · The company itself

“Storskogens affärsenheter har en genomsnittlig omsättning på cirka 300 MSEK (RTM), är marknadsledare inom sina segment, genererar goda kassaflöden och skapar en positiv och hållbar utveckling inom sina respektive branscher.”

Annual report 2024A · The company itself

“De illikvida tillgångarna utgörs av krediter till hushåll och företag. Dessa krediter utgör bankens kärnverksamhet.”

Annual report 2024A · The company itself

“Det är inte heller en slump att vi utsågs till Årets affärsbank och Sveriges småföretagsbank, att vårt Private Banking-erbjudande av Prospera rankas som näst bäst i Sverige och att vi enligt SKI:s årliga mätning har nöjdast kunder bland jämförbara banker på samtliga av våra hemmamarknader.”

Annual report 2024A · The company itself

“Bankens affärsmodell fokuserar på att ta och hantera kreditrisker i kontorsrörelsen där målet är att etablera långsiktiga relationer med kunder som har god återbetalningsförmåga och stark finansiell ställning.”

Annual report 2024A · The company itself

“Genom ett attraktivt erbjudande av terminalglasögon, synundersökningar och andra tjänster till företagskunder, ökar trafiken till butikerna och därmed också antalet privatkunder.”

Annual report 2024A · The company itself

“Customers We provide wireless communications and broadband services to a variety of customers needing connectivity, but focus primarily on two categories of customers: •Postpaid customers generally are qualified to pay after receiving service utilizing phones, 5G broadband gateways, fiber connections, mobile internet devices (including tablets and hotspots), wearables, DIGITS and other connected devices (including SyncUP and internet of things (“IoT”)). We serve consumers as well as business customers, who are provided services under the T-Mobile for Business brand. •Prepaid customers generally pay for service in advance.”

Annual report 2025A · The company itself

“Liiketoiminta-ajatuksemme on auttaa yrittäjiä menestymään arkea helpottamalla, markkinoiden helppokäyttöisimmillä sähköisillä työkaluilla sekä henkilökohtaisilla, pitkälle automatisoiduilla palveluilla.”

Annual report 2024A · The company itself

“Ohjelmistomme soveltuu erityisen hyvin pieniin ja keskisuuriin yrityksiin.”

Annual report 2024A · The company itself

“Cooperation with private-label clients will continue at the same level as in recent years.”

Annual report 2025A · The company itself

“För att stödja våra kunder på bästa sätt så har vi valt en målinriktad multisegmentstrategi uppdelad på små och medelstora företag, stora privata företag samt den offentliga sektorn.”

Annual report 2024A · The company itself

“Inom företagssegmentet fortsätter vi att genomföra vår strategi genom att differentiera vår tillvägagångssätt inom SME (Small and Medium), stora privata företag och det stora offentliga segmentet. Vi utnyttjar i allt högre grad våra tillgångar och vår starka kompetens tillsammans med partners för att bygga hållbara affärsmodeller.”

Annual report 2024A · The company itself

“Vi kommer att fortsätta att vara ledande inom kundnöjdhet och stärka vår posi - tion inom business-to-business genom en bredare produktportfölj.”

Annual report 2024A · The company itself

“Företagsverksamheten i Sverige förväntas växa genom IoT, SME-segmentet och stora företag.”

Annual report 2024A · The company itself

“Uppkoppling och underhållstjänster för privatpersoner och hushåll Grossist Nationell och internationell grossistverksamhet, transportnätstjänster och SMS-tjänster Företag Kommunikations- och integratörslösningar samt IoT för företag och offentlig sektor Tjänsteintäkter från slutkund 2024 Sverige Konsument, 58% Sverige Företag, 19% Litauen, 12% Lettland, 7% Estland, 3% Sverige, 74% Litauen, 16% Lettland, 8% Estland, 2% Underliggande EBITDAaL 2024 Hur vi levererar 1) Proposed dividend.”

Annual report 2024A · The company itself

“Med stöd av en bredare produktportfölj fortsätter vi att expandera på business-to-business-marknaden. Vi fokuserar på små och medelstora företag.”

Annual report 2024A · The company itself

“Inom SME-segmentet fokuserar vi på tillväxt genom en kombination av volym och värde genom att erbjuda förenklade paket och kon - vergens mellan fast och mobil telefoni baserat på kundernas behov.”

Annual report 2024A · The company itself

“Nedströms värdekedjan omfattar intressenter såsom B2B- och B2C-kunder, leverantörer, partners och underleverantörer.”

Annual report 2024A · The company itself

“Kunderna inom segmentet Enterprise är privata och offentliga företag inom olika branscher. År 2024 stod segmentet Enterprise för 10 % (10 %) av koncernens totala nettoomsättning.”

Annual report 2024A · The company itself

“Ansvarsfulla marknadsföringsmetoder Ericssons kommersiella erbjudanden riktar sig främst mot andra företag och inte direkt till konsumenter. Däremot tillhandahåller Vonage-verksamheten, i Ericssons Enterprise-segment, internetbaserade telefontjänster till småföretag och ett mindre antal konsumenter.”

Annual report 2024A · The company itself

“Telenor offers a wide range of mobile and broadband telecom products and services, based on strong networks positions and secure infrastructure. Our customers are consumers and businesses, telecom operators and service providers1).”

Annual report 2024A · The company itself

“The targeted customer segments are medium-sized companies and organisations across industries in the Nordic region.”

Annual report 2024A · The company itself

“Offerings include mobile subscriptions and handsets, telephony, broadband, data security, communications services, and TV services to both residential and business customers.”

Annual report 2024A · The company itself

“Yhtiö tarjoaa lakisääteisiä työterveyspalveluja ja muita työterveys- ja työhyvinvointipalveluja kaiken kokoisille yritysasiakkaille sekä julkisen sektorin asiakkaille.”

Annual report 2025A · The company itself

“Salg af møder og selskaber i Tivolis restauranter og på Nimb.”

Annual report 2025A · The company itself

“We have extensive relationships with many advertising agencies, advertisers and other service providers, and we believe that, given the decentralized nature of the advertising industry, we have the opportunity to expand our relationships with new and existing clients. We expect to continue making investments to grow our sales and client service team to support this strategy, and we see particular opportunities to expand the aperture of clients we support across the mid-market.”

Annual report 2025A · The company itself

“Table of Contents Our Clients Our clients consist of purchasers of programmatic advertising inventory, value-added services and data. Our clients are advertising agencies, advertisers or groups within advertising agencies that have independent relationships with us, manage budgets independently of one another, are based in different jurisdictions and are served by unique Trade Desk teams. Our clients typically enter into MSAs with us that give users constant access to our platform.”

Annual report 2025A · The company itself

“USBNA provides a wide range of products and services to individuals, businesses, institutional organizations, governmental entities and other financial institutions.”

Annual report 2025A · The company itself

“(“we,” “us,” “our,” “Ulta Beauty,” or the “Company”) is an international specialty beauty retailer and a premier beauty destination for cosmetics, fragrance, skin care products, wellness products, hair care products, and salon services.”

Annual report 2026A · The company itself

“Strategy We are continuing to execute our Customer First, People Led, Innovation Driven strategy, which focuses on growing in the parts of our market that value our end-to-end solutions, including healthcare, business-to-business ("B2B"), small- and medium-sized businesses ("SMBs"), and international.”

Annual report 2025A · The company itself

“In 2025, we took several steps in furtherance of this strategy, including continuing to deliberately shift our business to increase our focus on higher yielding volume, which allowed us to increase SMB penetration to over 30% of total U.S. volume from 2024.”

Annual report 2025A · The company itself

“These overall declines were partially offset by continued growth from SMBs, including through the increased use of our Digital Access Program ("DAP").”

Annual report 2025A · The company itself

“Export average daily volume increased 3.5% in 2025 due to our agility to adjust to changing trade lanes, and led by strength in SMBs volumes between European countries.”

Annual report 2025A · The company itself

“Customers Our customer base is highly diversified and ranges from Fortune 500 companies to small businesses and homeowners.”

Annual report 2025A · The company itself

“Optum Health sells its products primarily through its direct sales force, strategic collaborations and external producers in three key areas: employers, including large, mid-sized and small employers; payers including health plans, third-party administrators (TPAs), underwriter/stop-loss carriers and individual product intermediaries; and public entities, including the U.S.”

Annual report 2025A · The company itself

“UnitedHealthcare Employer & Individual Domestically, UnitedHealthcare Employer & Individual offers a comprehensive array of consumer-oriented health benefit plans and services for large national employers, public sector employers, mid-sized employers, small businesses, and individuals.”

Annual report 2025A · The company itself

“With our leading position in Norway, we are on a mission to make sure no talent is lost and that we offer the best Jobs marketplace for candidates and customers alike. By supporting more than 20,000 customers each year making 620,000 recruitments, we empower recruiters to be thought leaders in the jobs market.”

Annual report 2024A · The company itself

“Business Markets and Other also provides fixed connectivity solutions comparable to the residential fixed services provided by Consumer, as well as business services and connectivity similar to the products and services offered to Global Enterprise customers, in each case with features and pricing designed to address the needs of small and medium businesses.”

Annual report 2025A · The company itself

“Segment Results of Operations We have two reportable segments that we operate and manage as strategic business units - Consumer and Business.”

Annual report 2025A · The company itself

“We provide these products and services to businesses, public sector customers and wireless and wireline carriers across the U.S. and a subset of these products and services to customers around the world.”

Annual report 2025A · The company itself

“It serves both consumer and business customers online and through four stores located in Helsinki, Pirkkala, Raisio, and Oulu.”

Annual report 2025A · The company itself

“We continue to see opportunities for growth as businesses seek simple digital experiences, similar to those available to consumers. Visa offers a holistic suite of tailored solutions for businesses, providing payment, reconciliation and data to help manage working capital and drive efficiency, set spend controls, manage expenses and automate payment processes.”

Annual report 2025A · The company itself

“•We offer a wide range of Visa-branded payment products that our clients, including nearly 14,500 financial institutions, use to develop and offer payment solutions or services, including credit, debit, prepaid and cash access programs for individual, business and government account holders.”

Annual report 2025A · The company itself

“The first objective is to address B2B payments flows from small businesses up to large enterprises and governments through our Visa Commercial Solutions, a card and virtual payments-led business. This part of the business focuses on addressing approximately $35 trillion of annual opportunity by converting small and medium business spend to our solutions; scaling our existing large and middle market use cases to more countries, corporates and partners; delivering product innovation and network flexibility, driving more B2B spend to cards and virtual payments, enabling new and emerging B2B verticals; and unlocking new commercial card acceptance with suppliers.”

Annual report 2025A · The company itself

“We conduct integrated power generation and retail electricity activities, focusing on power generation, wholesale electricity sales and purchases, retail sales of electricity and natural gas to end users and commodity risk management.”

Annual report 2025A · The company itself

“In addition, Grainger has entered, and may in the future continue to enter, into contracts with group purchasing organizations (GPOs) that aggregate the buying power of their member customers in negotiating selling prices.”

Annual report 2025A · The company itself

“We generate revenue from fees charged to distributors that carry our network brands and programming, including cable, direct-to-home (“DTH”) satellite, telecommunication and digital service providers, as well as through direct-to-consumer (“DTC”) subscription services (distribution revenue); the sale of advertising on our networks and digital platforms (advertising revenue); the release of feature films for initial exhibition in theaters, the licensing of feature films and television programs to various television, subscription video on demand (“SVOD”) and other digital markets, distribution of feature films and television programs in the physical and digital home entertainment markets, sales of console games and mobile in-game content, sublicensing of sports rights, and licensing of intellectual property such as characters and brands (content revenue); and other sources such as studio tours and production services (other revenue).”

Annual report 2025A · The company itself

“We provide consumer financial products and services including checking and savings accounts, credit and debit cards, and home, auto, personal, and small business lending.”

Annual report 2025A · The company itself

“Ambitionen är att i första hand gynna lokala leverantörer som verkar i Öresundsregionen och bidrar till att näringslivet växer och utvecklas, vilket i sin tur skapar nya affärsmöjligheter för Wihlborgs.”

Annual report 2024A · The company itself

“Risk & Broking (‘R&B’) The Risk & Broking (‘R&B’) segment provides a broad range of risk advice, insurance brokerage and consulting services to clients worldwide ranging from small businesses to multinational corporations.”

Annual report 2025A · The company itself

“Bolagets kunder är normalt företag med över 1 000 anställda inom främst Business to Business och Business to Consumer-varumärken, där vi agerar både strategisk partner och som operativ kraft vid olika uppdrag. På kundlistan finns även några av Nordens största koncerner där uppdrag kan vara både komplexa och omfattande.”

Annual report 2024A · The company itself

“Widely diverse clients from different industries Wulff Accountings’ clients include both small and medium-sized companies and large, listed companies. Our clientele includes limited liability companies, limited partnerships, general partnerships, sole traders and freelancers, as well as associations and foundations. The industries strongly represented include lawyers, veterinarians, dentists, ICT, the construction industry and investment companies.”

Annual report 2025A · The company itself

“The Worklife Services segment includes staff leasing services, accounting services, consulting services, exhibition, event, and space design services both internationally and domestically, as well as solutions and services for office and professional printing and document management.”

Annual report 2025A · The company itself

“Personal service and solution-oriented sales expertise will continue to be our key competitive advantage: they ensure that the renewal of the product range and the development of digital capabilities are seen by the customer as better service and smoother transactions.”

Annual report 2025A · The company itself

“På en utmanande bostadsmarknad nådde HSB sitt försäljningsmål för Brf Prisma i Mölndal och tecknade avtal med Wästbygg om uppförandet av de 58lägenheterna.”

Annual report 2024A · The company itself

“Description of Outputs and Outcomes The outputs of Zalaris’ operations include tailored HR and payroll solutions, digital transformation services and workforce management tools that streamline administrative processes for its customers.”

Annual report 2024A · The company itself

“Expectation of reliable, innovative and customized HR and payroll solutions that meet their evolving business needs. • Suppliers and Partners: Interest in transparent communication, fair contracting practices and collaborative growth opportunities. • Regulatory Bodies: Emphasis on strict adherence to legal standards, data protection and proactive compliance measures. • Local Communities: Focus on sustainable operations, environmental responsibility and contributions to local development.”

Annual report 2024A · The company itself

“Zalaris' consumer and end-user base primarily consists of corporate clients and their employees, who depend on its HR and payroll solutions for accurate payroll processing, compliance management, and workforce-related functions. These consumers and end users fall under category 10(a)(i) as they rely on Zalaris' services for essential workforce operations.”

Annual report 2024A · The company itself

“We directly market our products to veterinarians and livestock producers located in approximately 45 countries across North America, Europe, Africa, Asia, Australia and South America, and are a market leader in nearly all of the major regions in which we operate. In markets where we do not have a direct commercial presence, we generally contract with distributors that provide logistics and sales and marketing support for our products.”

Annual report 2025A · The company itself