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NOBA Bank Group (NOBA) investor relations material
NOBA Bank Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Loan portfolio grew 9% year-over-year to SEK 127.6bn, with 11% growth in local currencies.
Operating income increased 13% to SEK 2,701m in Q2 2025; net profit rose 53% to SEK 883m.
Adjusted core return on tangible equity (Core ROTE) reached 26.7% in Q2, progressing toward a 30% target.
Credit loss level declined to 2.9% in Q2, reflecting improved household finances and macroeconomic outlook.
Customer satisfaction reached a leading position among Nordic banks.
Financial highlights
Q2 2025 operating income: SEK 2,701m (+13% YoY); net profit: SEK 883m (+53% YoY); EPS: SEK 1.67 (+60% YoY).
H1 2025 operating income: SEK 5,435m (+16% YoY); net profit: SEK 1,703m (+73% YoY); EPS: SEK 3.21 (+80% YoY).
Cost-to-income ratio improved to 23.3% (Q2) and 23.2% (H1); adjusted C/I ratio at 21.8%.
Credit loss level fell to 2.9% (Q2) and 3.1% (H1), down from 3.2% and 3.6% respectively.
Common Equity Tier 1 capital ratio at 14.0%; total capital ratio at 18.0%.
Outlook and guidance
Medium-term targets: organic loan growth of at least 10% annually, Core ROTE ~30%, adjusted C/I ratio below 20%, CET1 ratio 13–15%.
Dividend policy: 40% of adjusted core profit to shareholders, with excess capital distribution intended.
Lending growth above 10% expected for 2025 and beyond, supported by improved macro trends and product momentum.
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Next NOBA Bank Group earnings date
Q3 202511 Nov, 2025
Next NOBA Bank Group earnings date
Q3 202511 Nov, 2025
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