Creditas successfully prices new USD senior unsecured bonds and announces results from buy-back offer

NOT FOR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO OR TO ANY PERSON LOCATED OR RESIDENT IN THE UNITED STATES, ITS TERRITORIES AND POSSESSIONS, OR FOR THE ACCOUNT OR BENEFIT OF, U.S. PERSONS (AS DEFINED IN REGULATION S UNDER THE U.S. SECURITIES ACT OF 1933) OR IN OR INTO ANY OTHER JURISDICTION WHERE SUCH DISTRIBUTION WOULD BE PROHIBITED BY APPLICABLE LAW

Creditas Financial Solutions, Ltd. (“Creditas”) has successfully priced senior unsecured callable fixed rate bonds of USD 50 million under a USD 150 million framework with a tenor of 3.5 years and ISIN: NO0013659136 (the “New Bonds”), and announces the results of the buy-back offer to the holders of Creditas’ existing 2023/2026 bond (the “Existing 2026 Bonds”) and existing 2024/2028 bond (the “Existing 2028 Bonds”) (the “Buy-Backs”), which Creditas announced by way of separate press releases.

The New Bonds have a fixed rate coupon of 10.50 per cent. per annum and final maturity in 28 April 2029 and Creditas has accepted to buy back the Existing 2026 Bonds in an aggregate amount of approximately USD 2.7 million and the Existing 2028 Bonds in an aggregate amount of approximately USD 12.2 million. The Buy-Backs will be made at a purchase price of 100 per cent. of the nominal amount of the Existing 2026 Bonds and the Existing 2028 Bonds (plus accrued and unpaid interest to the settlement date for the buy-back), respectively.

The proceeds from the New Bonds will be used to finance general corporate purposes of the Group and the Buy-Backs. Settlement for the issue of the New Bonds and the Buy-Backs is expected to occur on 28 October 2025.

Creditas intends to apply for admission to trading of the New Bonds on the corporate bond list of Nasdaq Stockholm.

Pareto Securities has acted as sole bookrunner in the transaction. White & Case has acted as legal advisor to Creditas and Gernandt & Danielsson has acted as legal advisor to Pareto Securities.

For further information, please contact:

Creditas:

Sergio Furio/ Erica Stols

CEO / VP of DCM and Treasury

E-mail: dcm@creditas.com

The information was submitted for publication, through the agency of the contact person set out above, at 19:30 CEST on 14 October 2025.

The securities referred to herein may not be sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended. Creditas does not intend to register any of the securities in the United States or to conduct a public offering of the securities in the United States.

This announcement is neither an offer to purchase nor the solicitation of an offer to sell any of the securities described herein (including the New Bonds), nor shall there be any offer or sale of such securities in any jurisdiction in which such offer, solicitation or sale would be unlawful.