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SKUE SPAREBANK (SKUE) investor relations material
SKUE SPAREBANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Legal merger between Skue Sparebank and Tinn Sparebank completed on November 3, 2025, with regulatory approval and establishment of five new foundations.
Strong lending growth in the retail segment and continued market share gains in core areas.
New dividend strategy introduced, targeting 75-100% payout of annual results as gifts and dividends, replacing the previous minimum 50% payout.
IFRS accounting standards applied; Q3 2025 pre-tax profit of NOK 299.3 million, down 8.7% year-over-year due to one-off effects from prior mergers.
Net profit after tax was NOK 233.6 million, with a return on equity (excl. hybrid capital) of 9.95%.
Financial highlights
Net interest income for the period was NOK 404.6 million, up 22.5% year-over-year, but down 1.3% from the previous quarter.
Net commission income increased by 40.2% year-over-year to NOK 75.5 million.
Dividend income was NOK 41.6 million, mainly from Eika Gruppen.
Profit before tax was NOK 299.3 million, a decrease of 8.7% compared to the same period last year.
Operating expenses were NOK 204.7 million, up NOK 141.4 million year-over-year, affected by prior year negative goodwill from merger.
Outlook and guidance
Strengthened capital position post-merger enables further lending growth in the bank's market area.
The new dividend policy aims to optimize capital and maintain ownership structure.
Norges Bank reduced policy rate to 4.00% in September; gradual rate reduction expected through 2028.
Focus on optimizing organization post-mergers and targeting increased market share in the corporate segment.
Challenging period expected for some customers in construction and leisure property sectors.
CRR3's effect on BM market share strategy
Reasoning for Q3 loan loss provision reduction
Post-merger capital optimization via dividend strategy
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Next SKUE SPAREBANK earnings date
Q4 20259 Feb, 2026
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Q4 20259 Feb, 2026
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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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