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Bien Sparebank (BIEN) investor relations material
Bien Sparebank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved profit after tax of NOK 50.6 million for the first three quarters of 2025, up NOK 2.5 million year-over-year.
For Q3 2025, profit after tax was NOK 15.1 million, compared to NOK 14.0 million in Q3 2024.
Strategy focuses on local presence, sustainable growth, and scaling advisory capacity, targeting NOK 10 billion in business capital by end-2026.
Market share in Oslo and surrounding areas increased, with 75% of customers in the core region.
Financial highlights
Net interest income for Q3 2025 was NOK 101.7 million, up NOK 5.0 million from Q3 2024.
Net commission and banking service income reached NOK 17 million, up NOK 5.0 million year-over-year.
Total operating costs for Q3 were NOK 61.3 million, an increase of NOK 7.6 million from last year.
Cost/income ratio at 48.4% (Q3 2024: 46.6%).
Net loan losses for the period were NOK 0.69 million.
Outlook and guidance
Economic uncertainty persists, but inflation is declining and interest rates are expected to gradually decrease.
Oslo housing market remains stable with strong demand and low new supply.
Bank expects continued robust growth, supported by strong capital base and disciplined credit processes.
Detail CRR3's impact on capital requirements
Strategy to balance pricing, volume, and costs
Why did the Leverage Ratio decrease to 7.81%?
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Next Bien Sparebank earnings date
Q4 202512 Feb, 2026
Next Bien Sparebank earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
Bien Sparebank ASA is a commercial bank based in Norway, offering a wide array of banking and insurance services. The bank focuses on providing savings accounts, online and mobile banking solutions, payment processing, investments, mortgage loans, and other financial services. The company offers a number of other banking solutions for both private individuals and businesses alike. The company is headquartered in Oslo, Norway, and its shares are listed on the Oslo Stock Exchange.
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