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Grong Sparebank (GRONG) investor relations material
Grong 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 profit after tax reached NOK 100.5 million for H1 2025, up from NOK 70.7 million year-over-year; profit before tax was NOK 100.5 million, up from NOK 73.0 million.
Return on equity rose to 12.6% from 8.8% in the same period last year.
Core operations improved, driven by higher commission income and strong customer growth.
Customer deposits grew by NOK 668 million (8.8%) and gross lending increased by NOK 1.3 billion (10.6%) over the past 12 months.
Opened a new branch in Mo i Rana and announced plans for a new branch in Sandnessjøen; strengthened partnership with Helgeland Boligbyggerlag.
Financial highlights
Net interest income increased by NOK 3.1 million year-over-year to NOK 119.5 million (2.13% margin).
Net commission income rose to NOK 49.6 million from NOK 41.6 million, mainly from Eika Boligkreditt and insurance commissions.
Dividend income from Eika Gruppen contributed NOK 21.7 million; net gains from financial assets improved by NOK 17.3 million.
Operating expenses increased to NOK 82.8 million, mainly due to higher personnel costs and expansion.
Cost-to-income ratio (excluding securities) at 48.93%; including securities, improved to 43.18%.
Outlook and guidance
Interest rate reduction planned for Q3; Norges Bank reduced policy rate to 4.25%.
Significant improvement in capital position following adoption of a new standard method, supporting continued growth strategy.
Moderate loan losses expected to remain stable; close monitoring of risk exposures continues.
Plans to obtain an external credit rating in line with industry peers.
Assess impact of CRR3 on capital ratios.
How does the Mo i Rana venture impact growth?
Explain the increase in personnel costs.
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Next Grong Sparebank earnings date
Q3 202513 Nov, 2025
Next Grong Sparebank earnings date
Q3 202513 Nov, 2025
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Frequently asked questions
Grong Sparebank is a Norwegian independent savings bank that has been serving the community since its establishment in 1862. It provides a comprehensive suite of financial products and services tailored to both private individuals and corporate clients in Norway. The bank's offerings include savings accounts, fund savings, current accounts, deposit accounts, pension accounts, various loan products such as car loans, mortgage loans, consumer loans, and business loans, as well as overdrafts and leasing facilities. Grong Sparebank also extends its services to include a range of insurance products covering home and leisure, vehicles, animals, employees, private, commercial, and agricultural needs. Additionally, it offers bank guarantees, factoring, payment, and bank cards, alongside modern internet and mobile banking services for its clients' convenience. The company is headquartered in Grong, Norway, and its shares are listed on the Oslo Stock Exchange.
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