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Ikano Bank (IKANO) investor relations material
Ikano Bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary22 Aug, 2025
Executive summary
Operating result for H1 2025 declined to SEK -670m from SEK -282m year-over-year, mainly due to non-recurring transformation expenses.
Strategic investments in new product platforms continued, with a new savings and loans platform launched in Sweden and further B2B product rollouts.
Ingka Group became sole owner in late 2024, enabling closer collaboration and a shift in funding from bond market to internal group financing.
Financial highlights
Total operating income fell 5.8% to SEK 3,036m (3,222m), while operating expenses rose 7.9% to SEK 3,335m (3,091m).
Net interest income (excl. leasing) decreased to SEK 989m (1,024m) due to lower margins and returns.
Net commission income dropped to SEK 93m (133m), while net leasing income increased to SEK 192m (178m).
Loan losses decreased to SEK 371m (413m), mainly in the corporate loan portfolio.
Net result for the period was SEK -718m (-264m).
Outlook and guidance
Management expects continued negative results in 2025 due to ongoing investments and restructuring, with profitability targeted for 2026.
New product launches in 2025 are anticipated to drive volume growth.
How will 2025 investments impact 2026 profit?
Impact of Ingka financing on funding costs?
What is the expected outcome of the AML review?
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Next Ikano Bank earnings date
H2 202528 Mar, 2026
Next Ikano Bank earnings date
H2 202528 Mar, 2026
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Frequently asked questions
Ikano Bank is a consumer finance institution established in 1995 as part of the Ikano Group, an ensemble of companies with activities spanning banking, real estate, production, insurance, data analytics, and retail. The bank is owned by the Kamprad family, founders of IKEA, and offers a range of financial products including savings accounts, loans, store cards, and services for businesses such as leasing and factoring. Ikano Bank operates in multiple European countries, including Sweden, Denmark, Finland, Norway, the UK, Poland, Germany, and Austria. The bank's ethos is centered around providing simple, fair, and affordable services to facilitate a better quality of life, embodying values of common sense, simplicity, collaboration, and innovation. The company is headquartered in Malmö, Sweden, and its shares are not publicly listed as it remains a private entity within the Ikano Group.
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