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Laurentian Bank of Canada (LB) investor relations material
Laurentian Bank of Canada Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Dec, 2025
Executive summary
Adjusted net income for FY25 was $147.2 million (CAD 3 per share), down 13% year-over-year; reported net income was $139.9 million (CAD 2.85 per share).
Q4 adjusted net income was $34.2 million, down 16% year-over-year; Q4 diluted EPS was $0.73, down 18% year-over-year.
Achieved milestones in the 2025 strategic roadmap, including cloud-based system deployment and enhanced operational resiliency.
Announced agreements with Fairstone Bank and National Bank to accelerate commercial specialization and broaden customer offerings, including the sale of retail/SME and syndicated loan portfolios.
Maintained strong CET1 capital ratio at 11.3% and solid liquidity levels.
Financial highlights
FY25 total revenue was $983.7 million, down 3% year-over-year; Q4 total revenue was $244.7 million, down 2% year-over-year.
Net interest income increased year-over-year despite headwinds from elevated interest rates and moderated economic activity.
Q4 net interest income rose 5% year-over-year to $182.7 million; net interest margin for FY25 was 1.83%, up 4 bps year-over-year.
Adjusted non-interest expenses for Q4 rose 4% year-over-year, mainly from higher salaries and technology costs.
Provision for credit losses increased to $18 million in Q4, up 73% year-over-year.
Outlook and guidance
Focus remains on executing agreements with Fairstone and National Bank, with a special shareholder meeting scheduled for Q1 2026.
Strategic investments in IT and operational infrastructure are expected to support long-term efficiency and growth.
Commercial loan growth and specialization are strategic priorities for the coming year.
Previously disclosed medium-term financial targets have been withdrawn following recent strategic transactions.
Management continues to focus on prudent risk management and disciplined capital allocation.
Future growth strategy for specialized commercial
Capital allocation: IT investments vs. loan growth?
Drivers of increased impaired commercial loans?
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Next Laurentian Bank of Canada earnings date
Q1 202627 Feb, 2026
Next Laurentian Bank of Canada earnings date
Q1 202627 Feb, 2026
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Frequently asked questions
Laurentian Bank of Canada, together with its subsidiaries, operates as a subsidiary of Laurentian Bank of Canada in Canada and the United States. The company offers deposit products, including personal deposit accounts, chequing accounts, savings accounts, money market accounts, term deposits, and guaranteed investment certificates; credit products comprising home equity lines of credit/pledges on primary homes, personal loans, and credit cards; investment products comprising mutual funds sold through advisors and financial planners, managed funds, and invited client portfolios; and other products to retail customers consisting of financial planning advice, portfolio management services for self-directed investors using explicit strategies or for those seeking guidance on discretionary asset allocation decisions. It also provides private banking services to individuals with at least $5 million in investable assets; commercial lending services including secured and unsecured loans for various purposes; and trade finance services including letters of credit and guarantees. The company's loan portfolio comprises residential real estate including mortgages secured by one to six units single family residence/condominium; non residential real estate such as construction loans for developers or new home construction where the land is not owned by the developer; commercial loans for business owners and investors wishing to acquire or expand their investments or businesses through purchase or refinance of existing.
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