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Lea Bank (LEA) investor relations material
Lea 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
Achieved strong loan book growth in Q2 2025, with gross loans increasing by 572 MSEK to 8,461 MSEK, driven by demand across all core markets.
Operating profit reached 33.8 MSEK and net profit was 28.3 MSEK, both up from Q1 2025, reflecting improved profitability and operational efficiency.
Interest income rose to 206.5 MSEK and net interest income to 147.2 MSEK, both increasing sequentially.
Completed successful issuance of Additional Tier 1 (AT1) and Tier 2 (T2) capital, optimizing the capital structure and supporting future growth.
Paid a dividend of 172 MSEK (SEK 1.80 per share) during the quarter.
Financial highlights
Net interest income reached 147.2 MSEK, with a net interest margin of 6.3%.
Operating profit for Q2 2025 was 33.8 MSEK, with an annualized ROE of 8.5% (13.8% adjusted for excess capital).
Cost/income ratio improved to 34.6% in Q2 2025, reflecting stabilizing operating expenses post-redomiciliation.
Loan losses for the quarter were 69.6 MSEK, with a loan loss ratio of 3.4%, continuing a positive trend.
Deposit base expanded to 7,936 MSEK, and liquidity position remained robust with 1,599 MSEK in liquid assets.
Outlook and guidance
Focus remains on increasing margins, active management of non-performing loans, and leveraging the new Swedish banking platform for profitable growth.
The bank aims to maintain dividend capacity while pursuing growth and optimizing risk-reward.
Continued expansion in Sweden, Norway, Finland, and Spain, with scalable international operations.
What is the bank's strategy for NPL management?
How does Lea Bank define default?
Why were comparative figures limited in this report?
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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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