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SOGN SPAREBANK (SOGN) investor relations material
SOGN SPAREBANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Achieved higher income in Q3 2025 compared to the previous year, with main income from net interest margin. IFRS and IAS 34 standards applied in reporting.
Result before losses reached NOK 112.1 million, up NOK 4.4 million year-over-year.
Net reversals on loan losses of NOK 1.7 million, indicating improved credit quality.
Return on equity after tax at 9.73% as of 30.09.2025.
Total comprehensive income increased by NOK 37.1 million year-over-year, mainly due to value changes in financial assets.
Financial highlights
Net interest income: NOK 140.3 million (2.26% of avg. assets), up slightly from NOK 139.5 million (2.35%) last year.
Net other operating income: NOK 23.1 million (0.37% of avg. assets), up from NOK 20.5 million (0.35%).
Net return on financial investments: NOK 29.9 million, up from NOK 22.9 million.
Operating expenses: NOK 81.2 million (1.31% of avg. assets), up from NOK 75.3 million (1.27%).
Profit after tax: NOK 88.8 million (1.43% of avg. assets), up from NOK 81.3 million (1.37%).
Total assets: NOK 8,292.7 million, up 1.57% year-over-year.
Outlook and guidance
Expectation of continued solid results and focus on being a strong local partner.
Norges Bank reduced policy rate to 4.00% in September 2025, with a slower expected decline in 2026.
Uncertainty remains regarding global economic developments and interest rate trajectory.
Lower interest margins anticipated if rates fall further.
Explain parent bank capital adequacy jump
Reconcile impairment reversal with increased defaults
Impact of slower rate decline on net interest margin?
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Next SOGN SPAREBANK earnings date
Q4 202512 Feb, 2026
Next SOGN SPAREBANK earnings date
Q4 202512 Feb, 2026
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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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