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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.
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.
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