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SPAREBANK 1 HELGELAND (HELG) investor relations material
SPAREBANK 1 HELGELAND Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Pre-tax profit for the first nine months of 2025 was NOK 561 million, slightly down from NOK 565 million last year, with a return on equity of 11.7% year-to-date, just below the 12% target.
Q3 2025 pre-tax profit was NOK 200 million, up NOK 29 million from Q2, driven by lower loan losses, higher financial investment results, and reduced costs.
Core equity tier 1 capital ratio at 17.4%, exceeding the target of 16.5%.
Cost/income ratio at 35.7% YTD, well below the 40% target, with Q3 improving to 33.8%.
Dividend payout policy maintained at a minimum of 50%, with last year’s payout at 53%.
Financial highlights
Net interest income for Q3 2025 was NOK 235 million, nearly unchanged from Q2, and NOK 705 million for the first nine months, down NOK 53 million year-over-year.
Net commission and other income totaled NOK 50 million in Q3, with annual growth of NOK 6 million.
Profit from financial assets and liabilities was NOK 27 million in Q3, up NOK 6 million sequentially, and NOK 85 million for the first nine months.
Loan losses for the period were NOK 37 million YTD, down from NOK 76 million last year; Q3 loan losses were NOK 6 million.
Total assets under management reached NOK 40.5 billion, up from NOK 37.3 billion year-over-year.
Outlook and guidance
Net interest income is expected to decline due to rate cuts, price competition, and higher funding costs.
Commission income is projected to remain stable at around 0.35% of total assets.
Operating costs are targeted to remain below a 40% cost/income ratio.
Loan losses are expected to decrease in 2025 compared to 2023 and 2024.
Activity in the corporate market is expected to increase, with credit growth anticipated to match the local market.
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Next SPAREBANK 1 HELGELAND earnings date
Q4 202512 Feb, 2026
Next SPAREBANK 1 HELGELAND earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
SpareBank 1 Helgeland is a financial institution based in Norway, primarily serving the Helgeland district in the northern part of the country. As an independent savings bank and part of the SpareBank 1 Alliance, it caters to a diverse clientele including retail customers, small and medium enterprises (SMEs), municipal authorities, and institutions. The bank's offerings encompass a wide range of financial products and services, such as payment services, credit cards, saving accounts, placement services, loans, insurance, shares, currencies, and online banking facilities, emphasizing its role in the private market, business, and public sector. It operates through various segments, including Retail Market and Corporate Market, providing savings, investment, insurance products, leasing, and mortgage services. Additionally, the bank is engaged in owning, managing, and letting commercial properties, with branches located in key cities like Mosjøen, Brønnøysund, and Sandnessjøen. The company is headquartered in Mo i Rana, Norway, and its shares are listed on the Oslo Stock Exchange.
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