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SPAREBANK 1 NORD-NORGE
SPAREBANK 1 NORD-NORGE (NONG) investor relations material
SPAREBANK 1 NORD-NORGE Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M26 pre-tax profit was NOK 2,996m vs NOK 3,296m, with ROE at 16.0% vs 19.0%; 3Q26 profit after tax was NOK 812m vs NOK 903m YoY.
Lending grew 8.2% in RM and 10.0% in CM over 12 months, within 2026 growth ambitions.
Underlying banking activity and alliance contributions supported results, while lower investment income and higher credit losses weighed on YTD earnings.
Financial highlights
9M26 operating income was NOK 4,626m vs NOK 4,845m; operating costs were NOK 1,529m vs NOK 1,526m.
9M26 net interest income was NOK 2,926m vs NOK 2,950m; net fee, commission and other operating income rose to NOK 1,197m from NOK 1,136m.
YTD net income from financial investments was NOK 503m vs NOK 759m; net losses were NOK 101m vs NOK 23m, and profit after tax was NOK 2,378m vs NOK 2,665m.
3Q26 net interest income was NOK 1,018m vs NOK 987m YoY, up NOK 48m QoQ; full effect of rate changes expected from late November.
Outlook and guidance
2026 lending growth expectations are 6–9% in RM and 7–10% in CM; profitable lending growth and alliance/subsidiary contributions are expected to support income.
Favorable ROE outlook is supported by cost control, low credit losses, alliance contributions and retail lending growth; long-term ROE target is >14%.
Intense pricing competition and NIBOR repricing faster than customer rates pressure 2026 margins; higher policy rates are expected to help as the curve flattens.
Efficiency programme expected to deliver NOK 40–50m in annual savings from 2027 vs 2025; management remains confident of meeting the 2026 C/I target.
Long-term targets: C/I ratio <35%, ROE >14%, dividend payout >50%, and CET1 ratio 15.56%.
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Latest events from SPAREBANK 1 NORD-NORGE
- Profit and returns strengthened, while credit risks and 2024 growth uncertainty persist.NONG
Q4 2023 - ROE reached 17.6% in 2Q26, with strong capital and retail lending growth supporting results.NONGQ2 2026
- Net profit fell to NOK 719 million, but capital and loan growth remain strong with a positive outlook.NONGQ1 2026
- Strong lending and deposit growth, robust capital, and positive outlook for 2026.NONGQ4 2025
- Strong capital, robust lending growth, and profitability, but margins pressured by competition.NONGQ3 2025
- Record profit, strong growth, and low losses led to a 20.3% ROE in 2Q25.NONGQ2 2025
- Record profit, strong loan growth, and high capital support continued regional outperformance.NONGQ3 2024
- Profit and ROE surged, with strong lending, deposits, and robust capital metrics.NONGQ2 2024
- Strong profit, high ROE, and solid capital position amid economic uncertainty.NONGQ1 2025
Next SPAREBANK 1 NORD-NORGE earnings date
Q4 202610 Feb, 2027
SPAREBANK 1 NORD-NORGE
Next SPAREBANK 1 NORD-NORGE earnings date
Q4 202610 Feb, 2027
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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.