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Morrow Bank
Morrow Bank (MORROW) investor relations material
Morrow Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved profit before tax of NOK 369–370 million in 2025, up 31% year-over-year, with NOK 100 million in Q4.
Loan book reached SEK 17 billion, growing 21% year-over-year, driven by strong demand, organic growth, and acquisitions.
Completed redomiciliation to Sweden and Nasdaq Stockholm listing, reducing capital requirements and improving capital efficiency.
Cost/income ratio improved to 25% in Q4 2025, down from 26% in Q4 2024, reflecting increased operational efficiency.
Earnings per share for 2025 was NOK 1.13.
Financial highlights
Total income for Q4 2025 was NOK 378 million, up 7–10% year-over-year, driven by organic growth and portfolio acquisitions.
Net interest margin for performing consumer loans was 10.6% in Q4, stable quarter-over-quarter.
Loan loss ratio declined to 3.9% in Q4 2025 from 4.6% in Q4 2024, reflecting improved credit quality.
Cost/income ratio was 24.9–25% in Q4 2025, targeting 23% by end 2026.
Profit after tax for Q4 was NOK 75.6 million, up from NOK 60.4 million in Q4 2024.
Outlook and guidance
Year-end 2026 loan book target raised to SEK 19 billion, with long-term ambition of SEK 23 billion by 2028.
Annual organic loan growth of at least 10% expected for the next three years.
Return on target equity guided at 17% for 2026 and ~20% by 2028.
Cost/income ratio target of ~23% for 2026 and ~22% for 2028; loan loss ratio target of ~4%.
2028 profit after tax ambition of SEK 400–500 million, with potential for SEK 700–800 million in excess capital.
Swedish capital requirements: impact on returns?
M&A pipeline and capital deployment plans?
Loan book risk profile evolution?
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Next Morrow Bank earnings date
Q1 202614 May, 2026
Morrow Bank
Next Morrow Bank earnings date
Q1 202614 May, 2026
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Frequently asked questions
Morrow Bank ASA, previously known as Komplett Bank ASA, is a Norway-based financial institution that provides consumer-oriented banking products. The bank offers unsecured personal loans, credit cards, deposit accounts, and point-of-sale financing solutions. Its services are available to customers in Norway, Sweden, Finland, and Germany. Morrow Bank specializes in digital banking, catering to private individuals with a focus on ease of use and flexibility in its financing options. The company is headquartered in Lysaker, Norway, and its shares are listed on the Oslo Stock Exchange.
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