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NOBA Bank Group (NOBA) investor relations material
NOBA Bank Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Achieved a major milestone with the first quarterly report as a listed company on Nasdaq Stockholm, increasing brand awareness and direct capital market access.
Delivered strong Q3 2025 results with adjusted core operating profit of SEK 1.4 billion, up 40% year-over-year, and operating income up 16%.
Loan book reached SEK 131.5 billion, up 10% year-over-year in local currencies, in line with medium-term targets.
Maintained a stable outlook, with Q3 seasonally strong and cost growth expected to be above trend in coming quarters due to investments.
Net profit increased 51% year-over-year, with basic EPS for Q3 at SEK 1.71, up 59%.
Financial highlights
Adjusted core operating profit reached SEK 1.4 billion, a 40% increase year-over-year.
Loan book at SEK 131.5 billion, with 10% FX-adjusted growth and 8% reported growth.
Net interest margin at 8.4% for the quarter, supported by lower base rates and strong lending margins.
Operating income rose 16% year-over-year to SEK 2,913 million.
Cost-income ratio at 22% (adjusted), down from 23% year-over-year.
Outlook and guidance
Cost growth expected to be temporarily above underlying trend in coming quarters due to investments in AI, new products, and cost takeout realization.
Medium-term targets: annual organic loan book growth of at least 10%, adjusted C/I ratio below 20%, Core ROTE around 30%, and CET1 ratio of 13-15%.
NIM expansion expected to slow, with only minor increases going forward.
Fee income expected to continue outgrowing the loan portfolio, driven by credit card growth and new supplier terms.
No dividend proposed for Q4 2025; inaugural dividend expected in 2026.
Explain 2026 cost growth drivers
CRR amendments: Which loans, what impact?
What drove Q3 credit loss level reduction?
Explain higher cost growth next few quarters
NIM drivers post base rate cuts and convergence
Secured segment growth acceleration strategy
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Next NOBA Bank Group earnings date
Q4 202513 Feb, 2026
Next NOBA Bank Group earnings date
Q4 202513 Feb, 2026
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