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Investor Relations14 Oct 2025
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Flekkefjord Sparebank (FFSB) investor relations material
Flekkefjord Sparebank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Net income after tax reached NOK 32.0 million in Q2 2025, up from NOK 26.5 million in Q2 2024, with H1 2025 net profit at NOK 60.7 million and ROE at 9.1% for the quarter and 8.8% year-to-date.
Loan growth was 15.2% and deposit growth 17.7% year-over-year, reflecting strong business momentum.
Cost-to-income ratio increased to 49.1% year-to-date, mainly due to one-off IT expenses.
Credit losses for H1 2025 were NOK 6.8 million, nearly unchanged from NOK 6.6 million in H1 2024.
Increased net interest and commission income contributed to improved results.
Financial highlights
Total income in Q2 2025 was NOK 86.5 million, up from NOK 71.4 million in Q2 2024, driven by higher net interest, commission, and financial income.
Net interest income for H1 2025 was NOK 116.8 million (2.04% of avg. assets), up from NOK 109.9 million (2.22%) in H1 2024.
Net commission income rose to NOK 20.1 million from NOK 15.1 million year-over-year.
Financial and dividend income increased by NOK 9.4 million, including NOK 7.0 million from a consolidated subsidiary.
Operating expenses rose due to higher personnel costs, IT one-offs, and increased depreciation.
Outlook and guidance
Focus remains on being the leading local bank in the Dalane, Lister, and Lindesnes regions, with strong local knowledge and strategic partnerships.
Continued emphasis on sustainable community development and competitive, cost-effective operations.
Market relief followed the postponement of new US/EU/China trade tariffs, stabilizing financial markets.
Norges Bank cut the policy rate by 0.25 percentage points in May, with further cuts expected, supporting lending growth.
Continued focus on profitable growth and increasing market share in the core region.
CRR3 impact on capital planning
Strategy for subsidiary income growth
Why did NIM percentage decline?
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Next Flekkefjord Sparebank earnings date
Q3 20256 Nov, 2025
Next Flekkefjord Sparebank earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
Flekkefjord Sparebank is a savings bank that provides a range of financial services to individuals, businesses, and organizations. The bank's offerings include deposit accounts, personal and business loans, mortgages, payment services, and insurance products. It operates primarily in the Rogaland and Agder regions of Norway, serving local communities through branch offices and digital banking platforms. Flekkefjord Sparebank emphasizes regional customer relationships and supports local development initiatives. The company is headquartered in Flekkefjord, Norway, and its shares are listed on the Euronext Growth Oslo.
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