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Aprila Bank (APRILA) investor relations material
Aprila Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Aug, 2025
Executive summary
Achieved record pre-tax profit of NOK 18 million in Q2 2025, exceeding forecasts and up from NOK 14 million YoY, with ROE at 21.9% for the quarter and 16.5% LTM.
Gross lending grew 17% YoY and 4% QoQ to NOK 1,263 million, with demand rebounding after a temporary slowdown.
Customer base reached over 5,500, supported by proprietary credit models and digital banking platform; YoY decline due to spot factoring discontinuation.
Total income increased 16% YoY and 5% QoQ, reaching NOK 59.4 million in Q2.
Focus for 2025 is on accelerating profitable growth, automation, and enhancing customer experience.
Financial highlights
Net interest income was NOK 52.1 million, accounting for 88% of total income.
Cost/income ratio improved to 43% in Q2 2025, down from 61% a year earlier.
Loan losses were NOK 16.6 million, with an annualized loss rate between 4.0% and 5.3% of gross lending.
Profit before and after tax reached an all-time high of NOK 17.5 million; EPS at NOK 0.24.
Total assets at quarter-end were NOK 1,474 million; equity at NOK 329 million.
Outlook and guidance
Targeting total income run-rate of NOK 260 million and 5,800 customer accounts by year-end 2025.
Cost-income guidance unchanged; focus on scaling, automation, and marketing investments.
Weak global macro outlook and policy uncertainty persist, but rate cuts expected to benefit profitability.
Key uncertainty is the effect of low economic growth on credit appetite and quality.
AI adoption and operational scalability expected to drive future efficiency and profitability.
Assess impact of potential redomiciliation.
Why was lending activity slow in Q2?
Elaborate on AI's role in customer service.
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Next Aprila Bank earnings date
Q3 202514 Nov, 2025
Next Aprila Bank earnings date
Q3 202514 Nov, 2025
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Frequently asked questions
Aprila Bank ASA is a niche financial institution based in Oslo, Norway, specializing in providing innovative banking solutions for small and medium-sized enterprises (SMEs). The bank focuses on offering automated lending services that leverage advanced machine learning algorithms and real-time data analysis to assess credit risks and provide on-the-spot financing. Aprila Bank also offers flexible business loans, lines of credit, and invoice financing services designed to be efficient and user-friendly. The company is headquartered in Oslo, Norway, and its shares are listed on the Oslo Stock Exchange.
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