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Aprila Bank
Aprila Bank (APRILA) investor relations material
Aprila Bank has been private
Aprila Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Achieved record pre-tax profit of NOK 18.6 million in Q4 2025, up from NOK 8.9 million YoY, driven by disciplined credit management and income growth.
Return on equity reached 20.9% for Q4 and 20.6% for the full year, reflecting strong capital productivity.
Gross lending increased 34% year-on-year and 6% quarter-on-quarter to NOK 1,438 million, with momentum carrying into Q1.
Customer base grew to 5,712, with steady increases in both credit line and down payment loan accounts.
Redomiciliation process is progressing, with Liechtenstein and Sweden shortlisted as new domiciles.
Financial highlights
Total income in Q4 was NOK 63.7 million, up 21% year-on-year and 4% sequentially; net interest income made up 88% of total income.
Loan losses dropped to NOK 7.8 million in Q4, with an annualized loss rate of 2.2%, the lowest since Q3 2019.
Cost/income ratio at 52% for the last twelve months, down year-over-year.
Earnings per share for Q4 2025 was NOK 0.26, up from NOK 0.12 in Q4 2024.
Total assets at year-end were NOK 1,787 million, equity at NOK 365 million.
Outlook and guidance
Double-digit income growth and continued improvement in ROE expected, though at a more moderate pace.
2026 guidance: Q4 total income run rate of NOK 285–295 million and cost/income ratio of 52%, with one-off costs from re-domiciliation anticipated.
Focus remains on accelerating profitable growth, strengthening competitive advantage, and improving capital efficiency.
Macroeconomic environment remains mixed; policy rates stable in Norway, with potential for future reductions.
Further rate cuts could benefit profitability due to lower funding costs.
Assess potential impact of retail reclassification
Describe AI's role in Aprila's competitive edge
How low growth impacts customer credit quality?
Partial view of Summaries dataset, powered by Quartr API
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Next Aprila Bank earnings date
Q1 202615 May, 2026
Aprila Bank
Next Aprila Bank earnings date
Q1 202615 May, 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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