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Visual21 Nov 2025
Data center suppliers
Aprila Bank (APRILA) investor relations material
Aprila Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Achieved record pre-tax profit of NOK 17.8 million in Q3 2025, up from NOK 9.2 million YoY, with strong underlying profitability and ROE of 21.1% for the quarter and 18.6% on a trailing 12-month basis.
Gross lending increased 23% year-over-year and 8% quarter-over-quarter to NOK 1,362 million, with lending demand rebounding after a policy rate cut.
Customer base grew to 5,653 unique business customers, with growth muted by a prior NPL portfolio divestment.
Liechtenstein shortlisted as preferred new domicile to reduce CET1 requirement by 30–40%, with license application planned for H1 2026.
Three consecutive quarters of record-high profit and 10 straight quarters of profitability.
Financial highlights
Total income for Q3 2025 was NOK 61.1 million, up 11% year-on-year and 3% quarter-on-quarter.
Net interest income was NOK 54.3 million (89% of total), net fee and commission income NOK 4.7 million (8%), and net gains on financial instruments NOK 2.2 million (4%).
Loan losses declined to NOK 11.0 million in Q3 2025, annualized at 3.4% of gross lending, the lowest since Q3 2019.
Cost/income ratio improved to 53% (LTM), reflecting ongoing cost control.
Earnings per share for Q3 2025 was NOK 0.25, up from NOK 0.13 in Q3 2024.
Outlook and guidance
Targeting a total income run-rate of NOK 250–260 million in Q4 2025, cost-income ratio of 52% for 2025, and customer accounts expected to reach ~5,800 by year-end.
Continued focus on profitable growth, automation, and redomiciliation process.
Macroeconomic outlook remains subdued but shows early signs of stabilization; global growth projected at 3.2% for 2025.
Lower funding costs from rate cuts are expected to benefit profitability in the short to medium term.
Continued focus on leveraging AI and technology to improve operational efficiency and profitability.
What is the expected net capital impact from SREP & retail reclassification?
How will rate cuts impact net interest margin?
What is the trend in Stage 3 loans and provisions?
How does re-domiciliation support growth plans?
How to sustain ROE with declining lending yield?
What is the risk if retail classification is denied?
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Next Aprila Bank earnings date
Q4 202514 Feb, 2026
Next Aprila Bank earnings date
Q4 202514 Feb, 2026
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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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