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Norion Bank (NORION) investor relations material
Norion Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Total income increased 3% year-over-year to SEK 919m, with operating profit and net profit both up 10% compared to Q3 2024.
Return on equity was 14.0%, down 0.4 percentage points year-over-year, reflecting capital buildup and share buybacks.
Completed acquisitions in Payments and Consumer segments, including Verkkokauppa.com's consumer finance business and DNB Sweden's credit card portfolio.
Announced intention for an additional SEK 500m share buyback, following completion of a previous SEK 500m buyback.
Financial highlights
Loan book grew 1% year-over-year to SEK 49,051m; deposits and borrowings reached SEK 54,979m, up 20% year-over-year.
Cost/income ratio increased by 2.4 percentage points to 30.0% year-over-year.
Net interest margin (NIM) was 6.8% in Q3 2025, up 0.1 percentage points year-over-year.
Credit losses declined to 1.7% in Q3 2025 from 2.1% in Q3 2024.
Earnings per share (EPS) reached SEK 1.70, up from SEK 1.46 in Q3 2024.
Outlook and guidance
Management expects a more favorable interest rate environment following recent rate cuts, supporting consumption and investment.
Continued focus on profitability, cost control, and capital efficiency, with strategic investments in core segments and digital capabilities.
Selective approach to lending and continued monitoring of credit quality and prudent provisioning in light of regulatory changes.
Capital ratios exceed targets; why another buyback?
Explain rising C/I ratio despite cost control.
Real Estate loan portfolio decline; what's the outlook?
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Next Norion Bank earnings date
Q4 20255 Feb, 2026
Next Norion Bank earnings date
Q4 20255 Feb, 2026
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Collector AB, provides financial services to private and corporate customers in Sweden, Norway and internationally. The company offers payment and transaction processing in the form of debit, credit, prepaid and mobile cards. Its portfolio includes cash flow management, factoring of accounts receivable, invoice financing and leasing as well as purchase finance. The company also delivers card products for local authorities, hospitals, major retailers, telcos and other companies; mobile payments with Mblox; e-commerce solutions such as a trusted checkout system; ATM interchange fees; merchant servicing and acquiring services; issuance of cards and PIN numbers; daily balances processed by its subsidiaries across the region; and automated clearinghouse transaction processing. In addition, it offers central systems support in technology platform design and integration to banks, non-bank financial institutions, payment acquirers as well as corporate clients. Collector AB is based in Stockholm, Sweden.
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