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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.
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.
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