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AURSKOG SPAREBANK (AURG) investor relations material
AURSKOG SPAREBANK Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net profit after tax reached NOK 130 million, matching last year despite increased competition and margin pressure.
Forretningskapital (business capital) including loans brokered to Eika Boligkreditt rose to NOK 27.5 billion, up NOK 3.3 billion year-over-year.
Customer satisfaction remains high, with the bank ranked best in Eastern Norway for the second consecutive year.
Financial highlights
Net interest income for H1 2026 was NOK 178.3 million, down from NOK 180.9 million year-over-year.
Net commission income increased to NOK 41.5 million from NOK 34.7 million.
Dividend and securities income rose to NOK 42.1 million from NOK 40.4 million.
Cost/income ratio increased to 36.1% from 34.5% year-over-year.
Earnings per equity certificate (EPS) was NOK 8.99, compared to NOK 9.77 last year.
Outlook and guidance
Continued strong demand for banking services across all customer segments.
Interest rate adjustments will have full effect from August, supporting future earnings.
The bank expects ongoing strong competition and emphasizes the need for efficient processes and high advisory quality.
The loan portfolio is considered robust, with low credit risk despite geopolitical and economic uncertainties.
- Q1 2026 net profit reached NOK 51.0 million, with strong growth and robust capital ratios.AURG
Q1 2026 - Net profit up 10.2% to NOK 259.9m, with strong capital and low credit losses.AURG
Q4 2025 - Net income up 5.4% to NOK 187.9m, with strong capital, liquidity, and low credit risk.AURG
Q3 2025 - Record net income and business capital growth, with robust capital and liquidity ratios.AURG
Q2 2025 - Net profit up 13% YTD, cost ratio low, capital strong, and loan growth robust.AURG
Q3 2024 - Net profit up, lending growth strong, cost efficiency improved, and capital remains robust.AURG
Q2 2024 - Net income stable at NOK 52.6m, with strong growth in loans, deposits, and capital ratios.AURG
Q1 2025 - Net profit up 10% to NOK 235.7m, CET1 at 17.6%, dividend NOK 15.00 per certificate.AURG
Q4 2024
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