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SPAREBANK 1 NORD-NORGE (NONG) investor relations material
SPAREBANK 1 NORD-NORGE Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Pre-tax profit year-to-date was 3,296 MNOK, down from 3,441 MNOK year-over-year, with a return on equity (ROE) of 18.9% compared to 22.9% last year.
Profit after tax for 3Q25 was NOK 903 million, down from NOK 1,344 million in 3Q24, with a return on equity of 19.3% for the quarter and 18.9% year-to-date, reflecting strong underlying banking operations and low losses.
CET1 ratio stands at 16.2%, up from 15.7% last year, indicating strong capital adequacy and above regulatory requirements.
Cost/income ratio increased to 31.5% year-to-date and was 31.1% for 3Q25, reflecting higher costs but continued cost discipline.
Net losses remain low at 23 MNOK year-to-date, a significant reduction from 86 MNOK last year.
Financial highlights
Net interest income for 3Q25 was 1,016 MNOK, stable compared to 1,020 MNOK in 3Q24, with year-to-date at 3,026 MNOK.
Net fee and other operating income reached 364 MNOK in 3Q25, up from 352 MNOK in 3Q24; net commission and other income was 1,080 MNOK year-to-date.
Result after tax for 3Q25 was 903 MNOK, down from 1,344 MNOK in 3Q24.
Net income from financial investments was 237 MNOK in 3Q25, down from 689 MNOK in 3Q24.
Net loan losses were reversed by 4 MNOK in 3Q25, reflecting continued low credit risk.
Outlook and guidance
Net interest margin is expected to come under pressure due to strong competition and anticipated rate reductions.
Lending growth expectations for the retail market have been raised to 7–10% for 2025, while corporate market growth is adjusted down to 2–5%.
Cost control measures are in place, aiming for a cost reduction of 40-50 MNOK by 2027, with main effects expected from 2026.
Dividend payout ratio is expected to remain above 50%, though a more moderate dividend is likely for the current year.
The economic outlook for Northern Norway remains positive, with lower unemployment, strong key industries, and significant infrastructure investments expected to drive growth.
Norges Bank's rate path: impact on net interest margin?
Explain the divergence in revised lending growth forecasts
Detail the current status of watchlist exposures
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Next SPAREBANK 1 NORD-NORGE earnings date
Q4 202512 Feb, 2026
Next SPAREBANK 1 NORD-NORGE earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
SpareBank 1 Nord-Norge is a financial institution based in Norway, offering a comprehensive range of banking services primarily to retail and corporate clients. The bank's service portfolio includes mortgage, construction, consumer, and automobile loans; savings and pension accounts; stocks and mutual funds; and debit and credit card services. Additionally, it provides insurance solutions encompassing life, vehicle, boat, property, savings and pension plans, disability, health, construction, transportation, group accident, liability, machinery, assets, occupational injuries, agriculture, and fire-related damages. Other offerings include overdrafts, leasing and factoring, online banking, mobile banking, VPS services, trading, and payment services. The company is headquartered in Tromsø, Norway, and its shares are listed on the Oslo Stock Exchange.
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