)

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.
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.
Next Rogaland Sparebank earnings date

Next Rogaland Sparebank earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage