Definitions

 

DDM, DDM Group or the Group
DDM Holding AG and its subsidiaries, including DDM Group AG, DDM Debt AB (publ), DDM Treasury Sweden AB (publ) and their subsidiaries. 

AGM
Annual General Meeting.

Bn
Billion.

CAGR
Compound annual growth rate.

Cash EBITDA
Net collections and revenue from management fees, less operating expenses.

Central and Eastern Europe
The countries in EuroVoc’s definition plus Greece and the Baltic states.

Certified Adviser
All companies with shares traded on Nasdaq First North have a Certified Adviser that monitors the companies’ compliance with the rules and regulations of First North concerning disclosure of information to the market and investors.

CHF
Swiss franc, the currency of Switzerland.

Computershare Schweiz
Swiss service provider, Computershare Schweiz AG (formerly SIX SAG AG), takes care of post-trade processes ranging from clearing and settlement through to securities custody, and maintains share registers and special registers.

CZK
Czech koruna, the currency of the Czech Republic.

DCA
Debt Collection Agency.

Earnings per share/EPS
Net earnings for the period, attributable to owners of the Parent Company, divided by the average number of shares.

EBIT
Earnings before interest and taxes.

EBITDA
Earnings before interest, taxes, depreciation of fixed assets as well as amortization, revaluation and impairment of invested assets.

EBIT margin
EBIT as a percentage of revenue on invested assets and revenue from management fees.

Equity
Shareholders’ equity at the end of the period.

Equity ratio 
Equity as a percentage of total assets.

ERC/Estimated Remaining Collections
The sum of all undiscounted future projected cash collections from acquired portfolios. ERC is not a balance sheet item, however it is provided for informational purposes.

EUR
Refer to the single currency of the participating member states in the Third Stage of European Economic and Monetary Union of the Treaty Establishing the European Community, as amended from time to time.

Euroclear
Euroclear Sweden AB, reg. no. 556112-8074.

First North
Nasdaq First North, Stockholm.

Fusion
DDM’s proprietary IT system, which integrates investment data, case data, payment data and activity data into one effective and comprehensive IT system.

HRK
Croatian kuna, the currency of Croatia.

Interest-bearing net debt
Interest-bearing provisions and liabilities less interest-bearing assets.

M
Million.

Net collections 
Gross collections from invested assets held by DDM minus commission and fees to collection agencies.

Net debt 
Long-term and short-term loans, liabilities to credit institutions (bank overdrafts) less cash and cash equivalents.

NPL
Non-performing loans.

PARENT COMPANY
DDM Holding AG, CHE-115906312.

PLN
Polish złoty, the currency of Poland.

RON
Romanian leu, the currency of Romania.

SEK
Swedish krona, the currency of Sweden.

USD
U.S. dollar, the currency of the United States.