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Investor Relations14 Oct 2025
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Romerike Sparebank (ROMER) investor relations material
Romerike 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
Pre-tax profit reached 154.3 MNOK for H1 2025, up from 138.5 MNOK year-over-year, driven by lower loan loss provisions and higher commission income.
Net profit after tax was 123.4 MNOK, with annualized ROE at 10.9%, adjusted for hybrid capital.
Strong lending growth to retail customers, surpassing 20 BNOK in total loans.
Cost/income ratio improved to 40.4% over the last 12 months, down from 43.2% a year ago.
New CRR3 standard method has strengthened capital adequacy and growth capacity.
Financial highlights
Net interest income for H1 2025 was 188.5 MNOK, slightly down from 193.5 MNOK year-over-year due to higher funding costs and lower lending margins.
Net commission and other operating income increased by 20.9 MNOK, mainly from higher dividends and positive financial instrument revaluations.
Operating expenses rose to 95.9 MNOK from 89.8 MNOK, mainly due to increased staffing.
Loan loss provisions dropped to 3.1 MNOK from 9.1 MNOK year-over-year.
Total assets reached 18.9 BNOK, up 2.0 BNOK over 12 months.
Outlook and guidance
Well-capitalized for further organic growth, with focus on expanding in the Romerike region.
New offices in Lørenskog and planned branch in Jessheim to enhance regional presence.
Continued emphasis on digitalization and operational efficiency to boost competitiveness.
Norges Bank reduced policy rate to 4.25% in June, with expectations for further cuts if economic conditions allow.
Assess impact of CRR3 on capital requirements.
Explain the increase in misligholdte engasjementer.
Detail strategy for increased market share in 2025.
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Next Romerike Sparebank earnings date
Q3 202513 Nov, 2025
Next Romerike Sparebank earnings date
Q3 202513 Nov, 2025
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Frequently asked questions
Romerike Sparebank is an independent savings bank based in Norway, primarily serving the Romerike region. The bank is engaged in providing a broad spectrum of banking services, catering to both personal and business customers. It offers a variety of financial products and services including online and mobile banking, card issuance, payment services, mortgages, different types of loans, savings and retirement accounts, property and health insurance, and real estate credit among others. Romerike Sparebank emphasizes its commitment to offering financial services and professional advice with local roots, aiming to be a solid supporter for its customers through their economic decisions, whether for individual or business purposes.The company is headquartered in Lillestrøm, Norway, and its shares are listed on the Oslo Stock Exchange.
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