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SKUE SPAREBANK (SKUE) investor relations material
SKUE 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
Strong lending growth in the retail market continued, with increased market share in core areas and significant contribution from Eika Gruppen.
Pre-tax profit reached NOK 220.0 million for H1 2025, up 41.8% year-over-year; net profit after tax was NOK 174.8 million.
The merger with Tinn Sparebank is progressing as planned, pending regulatory approval, with completion targeted for November 2025.
Increased solidity and capital strength following the implementation of CRR3.
Both organic and strategic growth are evident, supported by solid financial results.
Financial highlights
Net interest income increased by 32.3% to NOK 270.2 million; net commission income rose 47.7% to NOK 48.3 million.
Dividend income totaled NOK 41.6 million, mainly from Eika Gruppen.
Cost/income ratio was 37.0%, slightly higher than 36.1% last year; adjusted ratio improved to 37.0% from 39.3%.
Net loan losses were NOK 9.5 million YTD, with increased impairments mainly tied to a leisure property project.
Operating expenses increased by NOK 41.4 million, partly due to merger-related one-off costs.
Outlook and guidance
The merger with Tinn Sparebank is expected to be completed around November 3, 2025, subject to regulatory approval.
Continued focus on lending growth in the retail segment and maintaining strong capital ratios.
Merger expected to enhance local market presence and operational efficiency.
Norges Bank's rate cut to 4.25% and higher real income expected to support moderate consumption growth.
Challenging conditions persist for construction and leisure property sectors, but retail lending growth remains robust.
Assess CRR3 impact on capital adequacy.
Explain the increase in non-performing loans.
Detail Eika Gruppen's contribution to profit.
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Next SKUE SPAREBANK earnings date
Q3 202513 Nov, 2025
Next SKUE SPAREBANK earnings date
Q3 202513 Nov, 2025
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Frequently asked questions
Skue Sparebank, formerly known as Nes Prestegjelds Sparebank until 2013, is a Norwegian financial institution offering a wide array of banking products and services catering to both individuals and businesses. Its services encompass operating, tax deduction, capital, client, deposit, and group accounts, alongside business, construction, consumer, car, and other vehicle loans. The bank also provides mortgage, bank guarantee, factoring, overdraft, and leasing services. In addition to these, Skue Sparebank offers insurance products for home and leisure, cars and other vehicles, animals, company and employees, and agriculture. Savings and pension products, as well as online and mobile banking, bank card, and payment services, form part of its comprehensive offerings. The bank was established in 1842, emphasizing its long-standing presence in the Norwegian banking sector. Skue Sparebank is headquartered in Geilo, Norway, and its shares are listed on the Oslo Stock Exchange.
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