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HØLAND OG SETSKOG SPAREBANK (HSPG) investor relations material
HØLAND OG SETSKOG SPAREBANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Net profit after tax for Q3 2025 was NOK 36.8 million, compared to NOK 38.6 million in Q3 2024, with solid and profitable underlying banking operations.
Total business capital, including EBK financing, reached NOK 10.3 billion, up 10.6% year-over-year.
Customer deposits increased by 5.95% to NOK 5,055 million over the past 12 months.
Gross loans, including EBK, grew by 9.6% to NOK 8.3 billion year-over-year.
Financial highlights
Net interest income for the first nine months was NOK 93.9 million, down from NOK 99.4 million year-over-year.
Net commission income (excluding EBK) was NOK 25.5 million, compared to NOK 26.5 million last year.
Operating expenses increased to NOK 76.0 million from NOK 69.5 million, mainly due to new premises and an 8% rise in personnel costs.
Cost/income ratio (adjusted for VP) was 59.68%, up from 52.30% last year.
Loan losses and provisions totaled NOK 24.3 million, down from NOK 27.06 million year-over-year.
Outlook and guidance
Uncertainty in global trade, inflation, and interest rates remains high, with no increase in problem loans in the retail segment.
The new housing market remains slow, impacting corporate customers in that segment.
Focus remains on customer service, competence development, and efficiency for long-term profitability.
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Next HØLAND OG SETSKOG SPAREBANK earnings date
Q4 202528 Feb, 2026
Next HØLAND OG SETSKOG SPAREBANK earnings date
Q4 202528 Feb, 2026
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Frequently asked questions
Høland og Setskog Sparebank is a Norwegian savings bank founded in 1849, catering primarily to the personal and corporate markets within Norway. The bank provides a wide array of financial services including savings and pension accounts, various loan options such as consumer, business, mortgage, car loans, and loans for motorbikes, ATVs, motorhomes, caravans, snowmobiles, and boats. Additionally, it offers refinancing, credit cards, mobile and online banking, bank guarantee, overdrafts, leasing, factoring and invoice sales, as well as insurance products. The company is headquartered in Bjørkelangen, Norway, and its shares are listed on the Oslo Stock Exchange.
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