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Rogaland Sparebank (ROGS) investor relations material

Rogaland Sparebank Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary13 Aug, 2025

Executive summary

  • Net profit after tax for H1 2025 reached NOK 279.7 million, up from NOK 226.0 million year-over-year, driven by higher net interest income, increased other operating income, and lower tax, partially offset by higher costs and loan losses, with the merger positively impacting results.

  • Return on equity after tax was 13.7% for H1 2025 (12.8% in 1H24), including hybrid capital.

  • Lending growth over the past 12 months was 8.6%, or 16.9% including the merger, with significant increases in both lending and deposits.

  • Merger of Sandnes Sparebank and Hjelmeland Sparebank completed in August 2024, significantly increasing scale and customer satisfaction.

Financial highlights

  • Net interest margin stable at 1.94% for H1 2025, unchanged from H1 2024.

  • Net interest income for H1 2025 was NOK 392.4 million, up from NOK 337.7 million year-over-year.

  • Total operating costs increased to MNOK 208.1 (169.6), mainly due to merger-related and personnel expenses.

  • Loan losses and impairments amounted to NOK 23.1 million in H1 2025, up from NOK 20.2 million in H1 2024, but remain low relative to gross lending.

  • Total assets at the end of H1 2025 were NOK 41.6 billion, up 16.6% year-over-year, mainly due to the merger and lending growth.

Outlook and guidance

  • Financial targets for 2025–2028: ROE >11%, dividend payout 50–100%, CET1 >16.8%, and profitable growth >5%.

  • The bank expects continued lending growth, especially in the private market and SMEs, with lower capital requirements and a stable net interest margin if market rates hold.

  • Norges Bank reduced the policy rate to 4.25% in June 2025, with further reductions expected, potentially pressuring margins.

  • Anticipates a new Pillar 2 capital requirement in 2025 and regulatory changes (CRR3) from April 2025.

  • Management highlights ongoing macroeconomic uncertainty and preparedness for future challenges.

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Frequently asked questions

Rogaland Sparebank is a Norwegian savings bank that provides retail and corporate banking services. The bank offers loans, savings accounts, mortgages, payment solutions, and insurance products. It operates primarily in the Rogaland region, serving private customers, small businesses, and local enterprises. The company is headquartered in Sauda, Norway, and its shares are listed on the OSL.

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