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AURSKOG SPAREBANK (AURG) investor relations material
AURSKOG SPAREBANK Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Net income after tax reached NOK 130.2 million, up 6% year-over-year, with the best-ever quarterly result in Q2 2025, 10% higher than Q2 2024.
Forretningskapital (business capital) including loans brokered to Eika Boligkreditt rose to NOK 24.2 billion, a 12.5% increase over 12 months.
Cost/income ratio (excluding one-offs) was 34.5% for the last 12 months, up from 31.4% last year.
Return on equity for the last 12 months was 10.9%, unchanged from the previous year.
The bank opened a new modern branch in Bjørkelangen and achieved top customer satisfaction in its region.
Financial highlights
Net interest income for H1 2025 was NOK 180.9 million, down from NOK 186.7 million in H1 2024.
Net commission income increased to NOK 34.7 million from NOK 29.8 million year-over-year.
Dividend and securities income doubled to NOK 40.4 million from NOK 22.0 million year-over-year.
Operating expenses rose 18% year-over-year, mainly due to increased headcount and more branches.
Loan losses and impairments were NOK 1.2 million, significantly down from NOK 7.1 million last year.
EPS for H1 2025 was NOK 9.77, up from NOK 9.62 in H1 2024.
Outlook and guidance
The bank enters H2 2025 with strong operations and financial position, expecting continued demand for services.
Interest rate cuts by Norges Bank in June will be passed on to customers from late August.
Focus remains on digital investments, advisory capacity, and local presence.
Explain the increase in other operating income.
Assess the impact of new branch openings.
How does the bank manage climate risk?
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Next AURSKOG SPAREBANK earnings date
Q3 202512 Nov, 2025
Next AURSKOG SPAREBANK earnings date
Q3 202512 Nov, 2025
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Frequently asked questions
Aurskog Sparebank, established in 1846, is a regional bank based in Norway that provides a wide range of financial products and services to both individual and corporate customers. The bank's offerings include savings accounts, various types of loans such as mortgage, car, construction, and green business loans, along with bank guarantees, overdrafts, and leasing services. Aurskog Sparebank also provides credit cards and a variety of insurance products, including liability, work machine, data attack, and property damage insurance, among others. In addition to these services, the bank offers pension planning, foreign payment services, and digital banking solutions through mobile and online platforms. The company is headquartered in Aurskog, Norway, and its shares are listed on the Oslo Stock Exchange.
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