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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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KRAFT BANK (KRAB) investor relations material
KRAFT BANK Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Net profit after tax reached 16.6 MNOK, up from 2.6 MNOK in Q2 2024, with year-to-date profit surpassing all of 2024.
Return on equity after tax was 14.1%, up from 2.3% year-over-year.
Interest income from loans grew 27% year-over-year.
Varde Finans, the wholly owned loan brokerage subsidiary, delivered positive results.
Focus on helping customers with financial challenges, aiming for improved financial situations post-refinancing.
Financial highlights
Operating profit before tax was 22.1 MNOK, up from 3.2 MNOK in Q2 2024.
Net interest income was 44.4 MNOK, compared to 29.8 MNOK a year earlier.
Book equity per share: 11.22 NOK at quarter end.
Cost-to-income ratio improved to 48% from 76% year-over-year.
Earnings per share for the quarter were 0.39 NOK, up from 0.06 NOK in Q2 2024.
Outlook and guidance
Target for new lending in 2025 is 1,700 MNOK, with expected year-end loan volume of 3.8–3.9 billion NOK.
Return on equity after tax is expected to reach 14% for 2025, with a year-end run rate above 15%.
No changes anticipated in capital or buffer requirements for 2025.
Normal cost development anticipated, aligned with inflation and wage growth.
Lending rates to increase as interest guarantees expire, supporting higher earnings.
How does Kraft Bank view competition in its niche?
What is the bank's outlook on cost development in 2025?
What is driving the reduction in model allowances?
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Next KRAFT BANK earnings date
Q3 202522 Oct, 2025
Next KRAFT BANK earnings date
Q3 202522 Oct, 2025
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Frequently asked questions
Kraft Bank ASA is an independent bank based in Norway, recognized for its straightforward approach to banking services. The bank specializes in providing simple yet effective lending and deposit products, complemented by advisory services and customer assistance. Its offerings include accounts checking, savings deposits, money market accounts, mortgage and term loans, as well as card facilities and Internet banking. In addition, Kraft Bank focuses on consumer financing and housing loan services. The company is headquartered in Sandnes, Norway, and its shares are listed on the Oslo Stock Exchange.
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