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Romerike Sparebank
Romerike Sparebank (ROMER) investor relations material
Romerike Sparebank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved record pre-tax profit of NOK 289.8 million in 2025, up from NOK 249.6 million in 2024, with after-tax profit at NOK 226.1 million.
Forretningskapital increased to NOK 25.7 billion, a 13.8% rise, and customer base grew to 29,500.
Maintained high customer satisfaction and leading local market share, with ambitions to further increase market presence.
Opened new flagship office in Lillestrøm and expanded to Jessheim, strengthening regional presence.
Implemented key structural changes, including conversion of the bank's foundation capital, establishment of a savings bank foundation, and planned listing on Oslo Børs main list.
Financial highlights
Pre-tax profit reached NOK 289.8 million in 2025, up from NOK 249.6 million in 2024.
Net interest income for 2025 was NOK 381.3 million, down NOK 10 million due to higher funding costs and lower interest rates.
Gross lending growth (including EBK) was 12.7% year-over-year, with total business capital at NOK 25.7 billion.
Proposed dividend for 2025 is NOK 10.50 per equity certificate, with a payout ratio of 83%.
Direct yield based on year-end share price and proposed dividend is 7.3%.
Outlook and guidance
Ambition to grow faster than the market, targeting business capital above NOK 40 billion by 2030.
Aims for return on equity above 11% and cost/income ratio below 35% by 2030.
Well-capitalized and positioned for continued lending growth and market share expansion in 2026.
Focus on operational efficiency and digital solutions to enhance competitiveness.
Expects continued strong population growth in the core region, supporting further expansion.
How will the foundation impact future ROE and dilution?
CRR3 impact on growth capacity and capital use?
Manage corporate real estate loan portfolio risk
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Next Romerike Sparebank earnings date
Q1 202613 May, 2026
Romerike Sparebank
Next Romerike Sparebank earnings date
Q1 202613 May, 2026
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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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