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Lea Bank
Lea Bank (LEA) investor relations material
Lea Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved profit before tax of 44.0 MSEK in Q4 2025 and 147.0 MSEK for the full year, with net profit after tax of 32.4 MSEK in Q4 and 115.1 MSEK for 2025.
Gross loans increased by 1,700 MSEK year-over-year, reaching 9,336 MSEK at year-end, with growth across all core geographies.
Customer deposits increased to 8,585 MSEK, and total assets grew to 10,240 MSEK by year-end.
Board proposes a dividend of 0.72 SEK per share, representing 60% of 2025 profit after tax, in line with dividend policy.
Successfully listed on Nasdaq Stockholm and issued AT1 and T2 capital during the year.
Financial highlights
Interest income for Q4 2025 was 226.3 MSEK, with net interest income of 165.6 MSEK.
Cost/income ratio improved to 29.5% in Q4 2025, down from 32.4% in Q4 2024.
Loan losses in Q4 2025 were 83.2 MSEK, with an annualized loan loss ratio of 3.6%.
Total equity at year-end was 1,400 MSEK, with a book value per share (BVPS) of 13.60 SEK.
Earnings per share for Q4 2025 were 0.34 SEK (diluted 0.32 SEK).
Outlook and guidance
Focus for 2026 includes pursuing profitable growth, strengthening own distribution, and operational excellence.
Financial targets set for ROE above 15% and cost/income below 30%.
Plans to strengthen direct distribution and improve digital customer journeys.
Dividend payments to remain attractive, balancing growth and shareholder returns.
How will IFRS 18 affect income statement presentation?
Explain credit risk modeling for Sweden/Spain
How does proposed dividend align with capital target?
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Next Lea Bank earnings date
Q1 20267 May, 2026
Lea Bank
Next Lea Bank earnings date
Q1 20267 May, 2026
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Frequently asked questions
Lea Bank ASA is a Norwegian digital bank that operates primarily in the Nordic region. The bank offers a range of financial products including unsecured consumer loans, refinancing, savings accounts, and invoice purchasing services. These are provided to both private individuals and small and medium-sized enterprises (SMEs). Lea Bank’s services are fully digital, leveraging modern banking technologies to deliver user-friendly financial solutions. The bank’s primary focus is on consumer finance, but it also serves businesses through invoice financing and other tailored financial products. The company is headquartered in Oslo, Norway, and its shares are listed on the Oslo Stock Exchange.
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