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Investor Relations14 Oct 2025
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MELHUS SPAREBANK (MELG) investor relations material
MELHUS SPAREBANK Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Result after tax for Q2 2025 was NOK 76.6 million, up from NOK 67.6 million in Q2 2024, driven by increased lending volume, stable net interest, higher commission income, and dividends.
Return on equity reached 10.51% versus 9.81% a year earlier, exceeding the long-term target of 10%.
Lending growth including transferred portfolios was 6.21% over 12 months, with customer deposits up 2.31%.
Cost/income ratio improved to 43.1% from 44.5% in Q2 2024.
Financial highlights
Net interest income was NOK 127.8 million, nearly unchanged from NOK 127.9 million in Q2 2024; net interest margin was 2.25%.
Other operating income rose to NOK 52.3 million from NOK 41.4 million, with higher commissions from insurance and fund sales.
Operating expenses increased to NOK 77.6 million, mainly due to higher personnel costs from planned hiring.
Loan losses and impairments were NOK 6.4 million, down from NOK 6.8 million a year ago.
Earnings per equity certificate were NOK 8.03, up from NOK 7.47 in Q2 2024.
Outlook and guidance
The bank maintains a solid foundation for continued profitable growth, targeting ROE above 10%, credit growth of 6–8%, and cost/income below 45% for 2025.
Management expects stable operations, strong liquidity, and robust capital going forward.
Assess impact of CRR3 on capital coverage.
Explain the increase in other operating income.
Detail strategy for managing bedriftsmarked loans.
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Next MELHUS SPAREBANK earnings date
Q3 202513 Nov, 2025
Next MELHUS SPAREBANK earnings date
Q3 202513 Nov, 2025
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Frequently asked questions
Melhus Sparebank is a Norwegian savings bank with its primary market in Sør-Trøndelag. Melhus Sparebank offers a wide range of financial products and services, including banking for companies, agricultural customers, and private individuals. These services encompass savings accounts, construction and business loans, mortgages, car loans, bank guarantees, overdrafts, leasing services, as well as credit and bank cards. Additionally, the bank provides insurance products covering various needs, savings and pension products, payment services, and online and mobile banking solutions. With a focus on the finance sector and regional banking, Melhus Sparebank serves a critical role in its local community by supporting personal and business financial needs. The company is headquartered in Melhus, Norway, and its shares are listed on the Oslo Stock Exchange.
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