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NOBA Bank Group
NOBA Bank Group (NOBA) investor relations material
NOBA Bank Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Achieved robust financial results in 2025, with record-high customer and employee satisfaction and strong lending growth.
Completed the acquisition of DBT Capital AB to expand into the SME segment, supporting long-term growth ambitions.
Sold several NPL portfolios above book value, confirming positive asset quality.
Issued AT1 and unsecured bonds at lower spreads, with a BBB rating and positive outlook from Nordic Credit Rating.
Completed stock market listing and core banking platform migration, concluding major transformation projects.
Financial highlights
Adjusted core operating profit reached SEK 4,978m for 2025, up 45%; Q4 profit was SEK 1.3bn, up 38% year-on-year.
Operating income for 2025 was SEK 11,276m, up 14% year-on-year; Q4 income was SEK 2,928m, up 9%.
Loan portfolio grew to SEK 132.3bn, a 6% increase (10% in local currencies).
Net profit for 2025 was SEK 3,611m, up 64%; EPS was SEK 6.82, up 71%.
Cost income ratio at 24% in Q4, flat year-on-year; adjusted C/I ratio 22.4% for 2025.
Net interest margin at 8.3% in Q4 and 8.2% for 2025.
CET1 ratio at 13.7%, within 13–15% target range.
Proposed ordinary dividend of SEK 1.60/share and extra dividend of SEK 1.50/share.
Outlook and guidance
Management targets annual organic loan growth of at least 10% in local currencies medium-term.
Aims for total lending volume of SEK 250bn by 2030.
Committed to cost income ratio below 20% by 2027; progress toward target will not be linear.
Expects continued improvements in RoTE from operational leverage and normalizing cost of risk.
Cost growth expected to remain above historical trend in coming quarters due to ongoing investments.
Deposits from public declined. How to stabilize funding?
Achieve <20% C/I ratio with elevated costs?
Key growth drivers for new SME vertical?
Private loan growth vs margin strategy
SME segment scaling and growth path
Cost of risk below normalized range in 2026?
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Next NOBA Bank Group earnings date
Q1 20267 May, 2026
NOBA Bank Group
Next NOBA Bank Group earnings date
Q1 20267 May, 2026
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