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Norion Bank
Norion Bank (NORION) investor relations material
Norion 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
Operating profit increased by 14% to SEK 1,838m, with EPS up 17% to SEK 7.12 for the year and 9% in Q4, supported by share buybacks.
Net profit for the year rose 14% to SEK 1,438m, with a return on equity of 15.5%.
Strategic focus on strengthening core segments and targeted acquisitions, including a public offer for Consensus Asset Management.
Signs of economic recovery in Sweden, with favorable inflation trends and expected demand stimulation in 2026.
Financial highlights
Full-year total income increased by 4% to SEK 3,847m; Q4 income up 1% to SEK 928m.
Loan book at SEK 49.7bn, down 1% year-over-year but up 1% sequentially.
Cost/income ratio for the year at 30.4%, Q4 at 34.6%, up year-over-year.
Total capital ratio at 18.4% and CET1 ratio at 15.6%.
Net interest margin stable at 6.9% for the year, 7.6% in Q4.
Outlook and guidance
Board proposes no dividend for 2025, focusing on share buybacks and capital flexibility.
Additional share buyback program of up to SEK 500m planned for 2026, pending regulatory approval.
Continued focus on profitable growth, efficiency, and capital optimization.
Continued monitoring of credit quality and prudent provisioning in light of macroeconomic and regulatory changes.
Strong outlook for the Payments segment into 2026.
Future capital distribution strategy
Consensus acquisition: quantify strategic benefits
Real Estate portfolio decline: mitigation strategy
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Next Norion Bank earnings date
Q1 202623 Apr, 2026
Norion Bank
Next Norion Bank earnings date
Q1 202623 Apr, 2026
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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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