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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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SOGN SPAREBANK (SOGN) investor relations material
SOGN 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
Achieved strong financial performance in Q2 2025, with increased income compared to last year and continued growth despite competitive market conditions.
Result before losses reached NOK 73.3 million, up NOK 4.1 million from Q2 2024.
Return on equity after tax was 9.60% as of June 30, 2025.
Total comprehensive income was NOK 62.6 million, up from NOK 43.6 million year-over-year, mainly due to value changes in financial assets.
Financial highlights
Net interest income was NOK 91.7 million (2.25% of avg. assets), nearly unchanged from last year.
Net commission and other operating income totaled NOK 13.8 million (0.34% of avg. assets).
Total operating income increased to NOK 131.3 million (3.21% of avg. assets) from NOK 120.9 million (3.09%) year-over-year.
Operating expenses rose to NOK 58.0 million (1.42% of avg. assets), up 0.10 percentage points from last year.
Net profit after tax was NOK 57.1 million, up from NOK 53.1 million year-over-year.
Outlook and guidance
Bank remains well-capitalized and liquid, with a focus on risk management and continued operational strengthening.
Norges Bank reduced the policy rate to 4.25% in June 2025, with expectations of further decreases by year-end.
Global economic uncertainty and geopolitical tensions may impact the interest rate trajectory in Norway.
No events after the reporting period requiring adjustments or disclosures.
How does CRR3 impact capital adequacy?
Explain the change in principle regarding ownership shares.
Assess the uncertainty in the lending market.
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Next SOGN SPAREBANK earnings date
Q3 202514 Nov, 2025
Next SOGN SPAREBANK earnings date
Q3 202514 Nov, 2025
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Frequently asked questions
Sogn Sparebank is a regional savings bank based in Norway, serving primarily private households and small to medium-sized enterprises. The bank provides a comprehensive range of financial products and services, including savings accounts, checking accounts, payment mediation services, credit cards, mortgages, personal loans, life assurance, asset insurance, leasing, investment trusts, and digital banking solutions through both online and mobile platforms. The company is headquartered in Årdalstangen, Norway, and its shares are listed on the Oslo Stock Exchange.
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