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Norion Bank (NORION) investor relations material
Norion Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Jul, 2025
Executive summary
Operating profit rose 14% year-over-year to SEK 472m, with solid underlying earnings and profitability.
Loan portfolio grew 4% year-over-year to SEK 49,383m by end of Q2 2025, with stable growth across key segments.
Net profit for Q2 2025 increased 13% to SEK 370m, and for H1 2025 rose 19% to SEK 782m year-over-year.
Share buyback program of up to SEK 500m initiated, with SEK 90m completed by June 2025.
Strategic acquisitions in credit cards and consumer financing support segment expansion.
Financial highlights
Total income for Q2 2025 was SEK 978m (+3% year-over-year); H1 2025 total income was SEK 2,000m (+6%).
Net interest income for H1 2025 increased 7% to SEK 1,789m; net interest margin stable at 7.2%.
Credit loss level improved to 1.8% in Q2 (from 2.3%) and 1.7% for H1 2025 (from 2.3%).
Cost/income ratio increased to 29.9% in Q2 (from 28.1%), and 28.7% for H1 2025 (from 27.9%).
EPS reached SEK 1.81 in Q2 and SEK 3.82 for H1 2025, both up year-over-year.
Outlook and guidance
Management expects increased predictability as macroeconomic conditions stabilize, with early signs of recovery in Sweden.
Focus remains on risk-adjusted returns, cost control, and capital efficiency.
Continued selective approach in lending and focus on credit quality monitoring.
Ongoing integration of recent acquisitions and expansion in Nordic markets.
Strategic initiatives in digital channels and product expansion are progressing as planned.
Explain Real Estate segment NIM variance Q1-Q2.
Assess impact of SFSA's LCR/NSFR reporting change.
Detail strategic rationale for share buyback.
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Next Norion Bank earnings date
Q3 202517 Oct, 2025
Next Norion Bank earnings date
Q3 202517 Oct, 2025
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Frequently asked questions
Collector AB, provides financial services to private and corporate customers in Sweden, Norway and internationally. The company offers payment and transaction processing in the form of debit, credit, prepaid and mobile cards. Its portfolio includes cash flow management, factoring of accounts receivable, invoice financing and leasing as well as purchase finance. The company also delivers card products for local authorities, hospitals, major retailers, telcos and other companies; mobile payments with Mblox; e-commerce solutions such as a trusted checkout system; ATM interchange fees; merchant servicing and acquiring services; issuance of cards and PIN numbers; daily balances processed by its subsidiaries across the region; and automated clearinghouse transaction processing. In addition, it offers central systems support in technology platform design and integration to banks, non-bank financial institutions, payment acquirers as well as corporate clients. Collector AB is based in Stockholm, Sweden.
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