Credit risk in the loan book
The business earns returns by lending to borrowers, so defaults or weaker collateral can directly reduce earnings.
- Scope
- Corporate lending, factoring, secured lending and real-estate finance
- Materiality
- high
Moank Fintech Group
Moank Fintech Group is a Swedish financial holding company centered on lending and related fintech operations through its regulated subsidiary Moank AB. The group combines credit assessment, data-driven underwriting and AI-enabled processes with specialized financing activities that include secured lending, factoring and real-estate financing.
| % | |
|---|---|
| Business-related lending | 55% Loans and credit facilities for companies and entrepreneurs. |
| Secured lending | 25% Lending backed by collateral such as receivables, deposits or property. |
| Factoring | 15% Receivables financing with and without recourse. |
| Real-estate financing | 5% Property-related lending through specialized group entities. |
The group serves business borrowers that need working capital, receivables financing or other forms of tailored credit...
- SMEs and business borrowersprimary
Borrowers seeking working capital, growth financing and tailored credit solutions.
- Receivables-finance clientsprimary
Companies using factoring to convert invoices into liquidity.
- Secured-credit borrowerssecondary
Customers that can pledge collateral or use insured structures to obtain credit.
- Real-estate finance clientssecondary
Borrowers needing property-related financing through Realkredit Norden.
- Depositorsprimary
Individuals or institutions placing deposits that fund the lending platform.
Moank Fintech Group is headquartered in Stockholm and operates as a Swedish financial group under Swedish and EU...
- •Headquartered in Stockholm, Sweden
- •Operates under Swedish financial supervision and EU IFRS rules
- •Primary business appears centered on the Swedish market
- •EUR funding is used to match euro lending exposure
- •No country-level revenue split is disclosed in the reports
The group is repositioning around a more focused financing platform with emphasis on corporate-related credit, secured...
01
Concentrate on corporate and secured lendingshort-term
These areas fit the group's underwriting model and can improve risk-adjusted returns.
02
Build a more scalable financing platformmedium-term
A specialized platform can support growth while keeping credit and funding discipline.
03
Deepen internal risk and technology capabilitymedium-term
Better in-house control supports underwriting quality, compliance and operating leverage.
Moank's main risks come from credit losses, funding dependence and interest-rate sensitivity, all of which are inherent...
Funding and liquidity risk
The lending platform depends on continued access to deposits and other funding sources to support the loan book.
- Scope
- Deposit-funded lending and EUR funding via Raisin
- Materiality
- high
Regulatory and compliance risk
Moank AB operates as a credit market company under Finansinspektionen and must meet capital and conduct rules.
- Scope
- Capital adequacy, liquidity and lending practices
- Materiality
- high
Interest-rate risk
Changes in market rates affect both lending yields and funding costs, influencing net interest income.
- Scope
- Floating-rate lending and deposit funding
- Materiality
- medium
Model and operational risk
AI- and data-driven underwriting depends on accurate inputs, controls and internal expertise.
- Scope
- Credit scoring, risk management and compliance processes
- Materiality
- medium
Expected credit loss provisioning
Impairment charges and net interest-related profitability
Loan portfolio classification
Balance-sheet and risk-note presentation
Capital adequacy and liquidity disclosures
Regulatory note disclosures and going-concern assessment
Related-party transactions
Consolidation notes and related-party balances
: 11/08/2026