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Transcript

Operator

To the Humana Q2 2026 report presentation. For the first part of the presentation, participants will be in listen-only mode. During the questions and answers session, participants are able to ask questions by dialing pound key five on their telephone keypad. If you are listening to the presentation via webcast, you can ask written questions using the form below. I will hand the conference over to speakers, CEO Nathalie Boulas Nilsson and CFO Christoffer Herou. Please go ahead.

Ewelina Pettersson — Head of Investor Relations

Good morning. Welcome to Humana's Q2 presentation. My name is Ewelina Pettersson. I am the Head of IR at Humana. With me today, I have our CEO, Nathalie Boulas Nilsson, and our CFO, Christoffer Herou. I leave the word to you, Nathalie. Please go ahead.

Nathalie Boulas Nilsson — CEO

Thank you. We will give you a short introduction, followed by financials and operational performance. We will then wrap it up with concluding remarks and open up for questions. Humana is a Nordic care provider with a high degree of specialized care. We have a well-diversified portfolio of services in the Nordic countries, with Sweden being the largest market, followed by Norway and then Finland. As regards our Q2 highlights, we are executing on our plan to reach our financial targets, and we have an adjusted operating profit increase of 6% year-over-year. In Sweden, we can in Q2, as well as we did in Q1, see that the efficiency program is beginning to show on the margin, driven by Individual & Family, with 7.2% profitability compared to 6.1% last year. We have continued to strengthen our financial position with a net debt ratio now of 2.4x. We are continuing to take responsibility in the sustainability area and have now also included customer and employee satisfaction, as well as climate targets as KPIs, as we have sustainability-linked our bank loans. We welcomed our new customers and colleagues from the