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NIDAROS SPAREBANK (NISB) investor relations material
NIDAROS SPAREBANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Ordinary profit after tax for Q3 2025 was NOK 28.6 million, up from NOK 25.8 million year-over-year, with annualized return on equity at 7.44% versus 6.54% last year.
Gross lending growth including mortgage credit was 12.9% year-over-year, and business capital reached NOK 6.7 billion, up from NOK 6.3 billion.
The bank is part of the LOKALBANK alliance, which expanded to 16 banks after a merger effective January 2025.
Financial highlights
Net interest income for Q3 2025 was NOK 83.8 million, stable year-over-year, with a net interest margin of 2.30% (down from 2.45%).
Net commission and other operating income increased to NOK 20.6 million from NOK 18.1 million, driven by higher mortgage credit commissions.
Operating expenses rose to NOK 66.5 million (from NOK 64 million), with a cost/income ratio of 63.7%.
Customer deposits increased by NOK 133 million (4%) to NOK 3,238 million over the last 12 months.
Total assets under management at Q3 2025 were NOK 5,031 million, up 0.5% year-over-year.
Outlook and guidance
Lending growth in both personal and business markets is expected to drive future earnings, though the effect is cumulative and gradual.
The bank expects increased costs in the short term due to the acquisition of Personellservice Trøndelag, but anticipates significant growth and higher earnings from this transaction.
Lower interest rates from August 2025 are expected to reduce net interest income by about NOK 100,000 per month.
Personellservice Trøndelag deal: quantify benefits
How will cost-to-income ratio be improved?
What drove the cooperating group CET1 ratio increase?
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Next NIDAROS SPAREBANK earnings date
Q4 202512 Mar, 2026
Next NIDAROS SPAREBANK earnings date
Q4 202512 Mar, 2026
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Frequently asked questions
Nidaros Sparebank, operating under the ticker NISB.OL, is a regional bank based in Norway, focusing on providing a comprehensive suite of banking services. Established in 1858, the bank offers traditional banking products and services tailored for both private and corporate clients primarily in the Trondheim region. Its portfolio includes loans, savings, insurance, pension products, and payment services, with a special emphasis on mortgages, car and boat loans, bank and credit cards, and leasing, among other financial solutions. Additionally, Nidaros Sparebank embraces digital banking by offering mobile and online banking services to its customers, ensuring accessibility and convenience. The company is headquartered in Klæbu, Norway, and its shares are listed on the Oslo Stock Exchange.
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