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Haugesund Sparebank (HGSB) investor relations material
Haugesund 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
Delivered pre-tax profit of NOK 142.9m for H1 2025, up from NOK 114.3m year-over-year, driven by higher lending volumes, dividends from Eika, and value gains on financial instruments.
Net profit after tax reached NOK 115.8m for Q2, compared to NOK 86.0m last year, reflecting strong post-tax performance.
Total comprehensive income for the quarter was NOK 123.8m, up from NOK 88.1m, mainly due to value changes in Eika Group shares.
Lending growth remains robust at 8.37% on balance and 5.20% including transferred volume to Verd Boligkreditt.
The ongoing merger process with Tysnes Sparebank is expected to complete by September 1, 2025.
Financial highlights
Net interest income for H1 2025 was NOK 178.4m, up from NOK 172.5m year-over-year.
Net commission and other operating income totaled NOK 62.9m in Q2, up from NOK 45.2m.
Net income from financial investments reached NOK 39.9m, mainly from Eika Group dividends.
Operating expenses decreased to NOK 89.0m from NOK 95.4m, with cost-to-income ratio (excl. securities) at 44.23% versus 49.43%.
Total assets at period end were NOK 17.0bn, up 9.4% year-over-year.
Customer deposits grew 12.45% to NOK 10.36bn.
Outlook and guidance
Well positioned in terms of market, liquidity, and solidity, with a strong foundation for further development as a local bank.
Merger with Tysnes Sparebank progressing as planned, with completion targeted for September 2025.
How did CRR3 impact capital coverage?
Explain the re-negotiated merger terms.
Detail the drivers of other operating income.
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Next Haugesund Sparebank earnings date
Q3 202513 Nov, 2025
Next Haugesund Sparebank earnings date
Q3 202513 Nov, 2025
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Frequently asked questions
Haugesund Sparebank is a Norwegian savings bank that offers a range of financial products and services primarily to individuals and corporate customers. For personal banking, the bank provides services such as current accounts, mortgage and consumer loans, savings accounts, and insurance products including vehicle, home, and life insurance. The bank also supports digital transactions with bank and credit cards, mobile payments, and online banking. On the corporate side, Haugesund Sparebank offers business loans, leasing solutions, and insurance plans tailored for businesses, as well as various savings and investment products. The bank also has involvement in real estate agency services and securities trading. The company is headquartered in Haugesund, Norway, and its shares are listed on the Oslo Stock Exchange.
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