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HØLAND OG SETSKOG SPAREBANK
HØLAND OG SETSKOG SPAREBANK (HSPG) investor relations material
HØLAND OG SETSKOG SPAREBANK Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Net profit after tax was NOK 47.4 million for 2025, down from NOK 55.0 million the previous year, with results before losses at NOK 90.5 million, slightly below expectations.
Total business capital, including EBK financing, reached NOK 10.5 billion, up 9.9% year-over-year.
Loan growth including EBK was 9.96% over 12 months, while customer deposits grew by 1%.
The bank remains primarily exposed to the residential mortgage market, with a strong used-home market but weak new-home construction.
Financial highlights
Net interest income was NOK 133.0 million (NOK 132.7 million last year), with an extraordinary Q4 boost due to reclassification of liquidity fund interest.
Net commission income (excluding EBK) was NOK 38.2 million, down from NOK 41.6 million.
Operating expenses increased to NOK 105.2 million (NOK 94.5 million), mainly due to new premises and a 5.7% rise in personnel costs.
Cost/income ratio (adjusted) rose to 58.29% from 51.79%.
Return on equity was 9.24%, up from 5.95% last year.
Outlook and guidance
The global environment is marked by geopolitical uncertainty, but no increase in problem loans in the retail segment is observed.
The bank expects a significant reduction in non-performing exposures in the first half of 2026.
Focus remains on customer service, competence development, and efficiency for long-term profitability.
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Next HØLAND OG SETSKOG SPAREBANK earnings date
Q1 20266 May, 2026
HØLAND OG SETSKOG SPAREBANK
Next HØLAND OG SETSKOG SPAREBANK earnings date
Q1 20266 May, 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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