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KRAFT BANK
KRAFT BANK (KRAB) investor relations material
KRAFT BANK Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Focuses on refinancing for customers with financial challenges, aiming to improve their economic situation and help them return to mainstream banking.
Unique in the Norwegian market for exclusively serving this segment, with a strong social responsibility profile.
Net profit after tax for Q4 2025 was NOK 19.7 million, up from NOK 10.5 million in Q4 2024, with full-year profit more than doubling to NOK 65.0 million from NOK 27.6 million year-over-year.
Return on equity after tax reached 15.7% in Q4 2025, compared to 9.3% in the same quarter last year.
Dividend policy changed to allow up to 100% of annual profit to be distributed, with 50% paid in April and the remainder subject to a capital adequacy review.
Financial highlights
Net profit after tax reached 19.7 MNOK, more than double the 10.5 MNOK from the same period in 2024.
Operating income before tax for Q4 2025 was NOK 26.4 million, up from NOK 14.5 million in Q4 2024.
Net interest income for Q4 2025 was NOK 51.6 million, up from NOK 41.1 million year-over-year.
Cost-to-income ratio improved to 45% in Q4 2025 from 54% in Q4 2024.
Earnings per share for Q4 2025 were NOK 0.47, up from NOK 0.25 in Q4 2024.
Outlook and guidance
Return on equity target of 15% achieved and expected to be maintained in 2026.
Loan portfolio at year-end 2026 is expected to be in the range of 3.8–3.9 billion NOK.
Moderate net loan growth expected in 2026, with year-end loan volume forecasted at NOK 3.8–3.9 billion.
Normal cost and investment development anticipated, in line with inflation and wage growth.
No changes anticipated in capital and buffer requirements for 2025.
Why are individual impairments increasing?
How to achieve loan growth despite high redemptions?
Financial impact of guaranteed loans rolling off
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Next KRAFT BANK earnings date
Q1 20268 May, 2026
KRAFT BANK
Next KRAFT BANK earnings date
Q1 20268 May, 2026
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Frequently asked questions
Kraft Bank ASA is an independent bank based in Norway, recognized for its straightforward approach to banking services. The bank specializes in providing simple yet effective lending and deposit products, complemented by advisory services and customer assistance. Its offerings include accounts checking, savings deposits, money market accounts, mortgage and term loans, as well as card facilities and Internet banking. In addition, Kraft Bank focuses on consumer financing and housing loan services. The company is headquartered in Sandnes, Norway, and its shares are listed on the Oslo Stock Exchange.
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