Lea Bank reports strong Q3 profit growth and increased loan portfolio

Lea Bank AB announced a profit before tax of SEK 41.5 million for Q3 2025, a substantial increase from SEK 33.8 million in Q2 2025. This strong performance contributed to a net profit after tax of SEK 33.3 million. The bank also reported a healthy annualized return on equity (ROE) of 10.5%, adjusted to 16.8% when excluding excess capital to regulatory requirements, and an improved cost-income ratio of 30.1%.

Gross loans expanded by SEK 605 million during the quarter, reaching a total portfolio of SEK 9.066 million. This growth was distributed across all geographies, including Sweden, Norway, Finland, and Spain, driven by good demand for unsecured loans. Equity at the end of the quarter stood at SEK 1,389 million, with a book equity per share of SEK 13.45. Multitude Bank increased its ownership to 29.5%, and Lea Bank currently has over 3,800 shareholders.

Lea Bank is focusing on increasing margins, active non-performing loan management to reduce exposure, and pursuing profitable growth while maintaining dividend capacity. The bank will continue its strategy as a leading digital niche bank, offering consumer financing in attractive markets with a scalable international operating model.