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Investor Relations14 Oct 2025
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SPAREBANK 1 NORD-NORGE (NONG) investor relations material
SPAREBANK 1 NORD-NORGE Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Pre-tax profit for H1 2025 reached NOK 2,178 million, with ROE at 18.9% and cost/income ratio at 31.7%.
Achieved record profit after tax of NOK 951 million in 2Q25, up 26% year-over-year, with ROE at 20.3%.
Loan losses remained low at NOK 27 million for H1 2025, with net loan loss reversals of NOK 30 million in 2Q25.
One-off costs of NOK 46 million in 2Q25 impacted results, but underlying operations remain solid.
The bank maintains a leading market position in Northern Norway, gaining market share and strong customer loyalty.
Financial highlights
Net interest income for 2Q25 was NOK 1,003 million, slightly down from NOK 1,007 million in 1Q25 and NOK 995 million in 2Q24.
Net fee and other operating income reached NOK 370 million, up from NOK 351 million in 2Q24.
Net income from financial investments surged to NOK 298 million, up from NOK 102 million in 2Q24.
Total income in 2Q25 reached NOK 1,671 million, with result after tax at NOK 951 million, up from NOK 811 million in 1Q25.
Net losses on loans and guarantees in 2Q25 were -NOK 30 million, reflecting continued low credit risk.
Outlook and guidance
Net interest margin is expected to remain under pressure due to competition and policy rate cuts, but above pre-pandemic levels.
Further interest rate cuts in 2025 and 2026 are expected to stimulate lending and economic activity.
The bank targets lending growth of 4-7% in retail and 3-6% in corporate for 2025.
Cost measures are expected to reduce expenses by NOK 40-50 million annually by 2027, supporting a cost/income ratio below 40%.
Dividend payout ratio is expected to remain above 50%, with a solid capital base supporting distributions.
How did US policies affect Northern Norway?
Explain the one-off cost from TietoEvry.
What is driving CM deposit margin differences?
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Next SPAREBANK 1 NORD-NORGE earnings date
Q3 202528 Oct, 2025
Next SPAREBANK 1 NORD-NORGE earnings date
Q3 202528 Oct, 2025
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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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