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Lea Bank (LEA) investor relations material
Lea Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Achieved operating profit of 41.5 MSEK and net profit of 33.3 MSEK in Q3 2025, driven by increased net interest income and loan growth across all core markets.
Gross loans increased by 605 MSEK to 9,066 MSEK, with growth in Sweden, Norway, Finland, and Spain.
Annualized ROE reached 10.5% (16.8% adjusted), and cost/income ratio improved to 30.1%, reflecting operational efficiency.
Multitude Bank increased its ownership to 29.5%, and the shareholder base expanded to over 3,800.
Deposits increased by 191 MSEK to 8,127 MSEK, and total assets reached 9,751 MSEK.
Financial highlights
Net interest income for Q3 2025 was 160.8 MSEK, up from 147.2 MSEK in Q2 2025, supported by higher lending volumes.
Operating profit was 41.5 MSEK and net profit 33.3 MSEK, both up from Q2 2025.
Loan losses for the quarter were 80.9 MSEK, with a loan loss ratio of 3.7%, consistent with previous quarters.
Total assets reached 9,751 MSEK as of 30.09.2025.
Gross loans grew 7% sequentially, and 19% year-to-date, with Sweden showing the highest growth rate at 41% YTD.
Outlook and guidance
Focus remains on increasing margins, securing attractive risk-reward, and active management of non-performing loans.
Continued pursuit of profitable growth while maintaining dividend capacity and expanding as a digital niche bank in Europe.
Explain credit risk modeling for Spain/Sweden.
Capital allocation strategy given excess equity?
Forbearance loans: impact on future credit losses?
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Frequently asked questions
Lea Bank ASA is a Norwegian digital bank that operates primarily in the Nordic region. The bank offers a range of financial products including unsecured consumer loans, refinancing, savings accounts, and invoice purchasing services. These are provided to both private individuals and small and medium-sized enterprises (SMEs). Lea Bank’s services are fully digital, leveraging modern banking technologies to deliver user-friendly financial solutions. The bank’s primary focus is on consumer finance, but it also serves businesses through invoice financing and other tailored financial products. The company is headquartered in Oslo, Norway, and its shares are listed on the Oslo Stock Exchange.
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