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Visual24 Oct 2025
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Bien Sparebank (BIEN) investor relations material
Bien 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
Achieved strong loan growth of 20.98% year-over-year, with forretningskapital surpassing NOK 8.1 billion at Q2 2025, moving toward NOK 10 billion target by 2026.
Net profit after tax reached NOK 35.5 million for H1 2025, up NOK 1.3 million from the same period last year.
Maintained a robust capital base and low risk profile, with a focus on local market presence and personalized advisory services.
Financial highlights
Net interest income for H1 2025 was NOK 67.9 million, up NOK 3.3 million year-over-year; net commission income rose to NOK 11 million.
Cost/income ratio increased to 46.8% from 45.2% year-over-year, reflecting strategic investments.
Return on equity after tax was 9.96%, stable compared to 9.91% last year; adjusted ROE was 10.53%.
Earnings per share for Q2 2025 were NOK 5.91, up from NOK 5.67 in Q2 2024.
Liquidity coverage ratio (LCR) at 307, well above regulatory minimum.
Outlook and guidance
Targeting NOK 10 billion in forretningskapital by end of 2026, with continued focus on sustainable growth and local market dominance.
Management expects further loan growth, supported by strong demand in Oslo and surrounding areas.
Economic uncertainty remains due to geopolitical tensions and changing interest rate outlook; further rate cuts expected if inflation moderates.
How does CRR3 impact capital requirements?
Explain Bien's strategy for sustainable growth.
What is the bank's LCR and NSFR ratio?
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Next Bien Sparebank earnings date
Q3 20255 Nov, 2025
Next Bien Sparebank earnings date
Q3 20255 Nov, 2025
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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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