In the fourth quarter of 2024, Intrum delivered solid business performance, with adjusted EBIT increasing by 26% compared to Q4 2023 and the service EBIT margin rising to 30% (+7 pp). Collections exceeded forecasts at 103% despite a challenging environment. The company strengthened its asset-light strategy with 12 agreements across Europe and investments exceeding SEK 2 billion. Ophelos was launched in five markets, improving efficiency and recoveries. The recapitalization process is progressing, with Chapter 11 confirmed in the U.S. and corporate restructuring ongoing in Sweden.