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IPAS Indexo (IDX1R) investor relations material
IPAS Indexo Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Achieved strong growth and profitability in the pension business, with AUM up 17% year-over-year to EUR 1,347 million and commission income rising.
Bank operations expanded to nearly 40,000 customers, with rapid growth in deposits and loan portfolios.
Announced acquisitions of VYRA/VAIRO and voluntary offer for Delfin Group, aiming for group consolidation and enhanced profitability, pending regulatory approval.
Group reported a consolidated net loss of EUR 4.3 million for H1 2025, mainly due to bank development costs.
Capital increases and public share offerings underway to support growth, regulatory compliance, and product development.
Financial highlights
Pension business commission income grew 21–22% year-over-year in H1 2025; net profit reached EUR 0.74–0.90 million.
Bank's Q2 net interest income was EUR 210.7 thousand, up over 200% from Q1; total assets at end-June 2025 were EUR 58.5–62.01 million.
Consumer loan portfolio reached EUR 12.38–15 million by July 2025; mortgage loans issued totaled EUR 3.99 million.
Group net loss for H1 2025 was EUR 4.3–5.05 million, reflecting ongoing investments and scaling.
Share capital increased by EUR 300,676 in H1 2025.
Outlook and guidance
Focus remains on growing lending portfolio, increasing customer activity, and improving client quality.
Breakeven for the bank is now projected for early next year or Q1 2026, delayed from previous year-end target.
Lending portfolio target to reach EUR 80–85 million to achieve breakeven, with recent trends supporting this goal.
Additional capital raising planned for H2 2025, including public share issue and possible Tier 2 or AT1 instruments.
Bank to reassess product development and reduce IT spend to accelerate revenue growth.
What loan portfolio size is needed for bank breakeven?
What are the key benefits of the Delfin Group offer?
What is the strategy for negative net commission income?
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Next IPAS Indexo earnings date
Q3 20256 Nov, 2025
Next IPAS Indexo earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
IPAS Indexo AS is a Latvian investment management company focused on providing asset and investment management services. The company primarily offers investment plans for state-funded pension schemes and private pension plans. Established in 2017, Indexo aims to cater to the financial needs of individuals and institutions by managing pension assets and ensuring long-term financial growth for its clients. The company is headquartered in Riga, Latvia, and its shares are listed on the Nasdaq Riga.
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