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HØLAND OG SETSKOG SPAREBANK (HSPG) investor relations material
HØLAND OG SETSKOG SPAREBANK Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Aug, 2025
Executive summary
Net profit after tax reached NOK 30.5 million for Q2 2025, up from NOK 21.4 million year-over-year, with solid underlying banking operations and profitability.
Total business capital, including EBK financing, increased to NOK 10.3 billion, up 8.6% over the past 12 months.
Customer deposits grew 1.1% to NOK 5,156 million, while gross loans including EBK rose 9.6% to NOK 8.1 billion year-over-year.
The bank remains primarily exposed to residential mortgages and housing construction, with a strong used housing market but weak new housing starts.
Financial highlights
Net interest income for Q2 was NOK 61.1 million, down from NOK 65.6 million year-over-year; net commission income (excl. EBK) was NOK 17.0 million, up from NOK 16.5 million.
Operating expenses increased to NOK 50.2 million from NOK 46.1 million, mainly due to new premises and a 9% rise in personnel costs.
Cost/income ratio (adjusted for VP) was 60.41%, up from 53.11% year-over-year.
Loan losses and provisions totaled NOK 13.15 million, down from NOK 23.85 million year-over-year.
Return on equity (annualized) was 7.5% versus 3.2% in Q2 2024.
Outlook and guidance
Global uncertainty persists due to geopolitical tensions and new US trade policies; inflation and interest rates are declining, with further rate cuts expected in Norway.
No increase in problem loans in the retail segment, but the new housing market remains slow, impacting corporate customers.
Focus remains on customer service, competence development, and efficiency to ensure long-term profitability.
Explain the impact of CRR3 on capital ratios.
Assess the effect of Trump's tollregime.
Detail the bank's strategy for ESG.
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Next HØLAND OG SETSKOG SPAREBANK earnings date
Q3 202531 Oct, 2025
Next HØLAND OG SETSKOG SPAREBANK earnings date
Q3 202531 Oct, 2025
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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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