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SPAREBANK 1 NORDMØRE (SNOR) investor relations material
SPAREBANK 1 NORDMØRE 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
Achieved strong results and satisfactory growth in Q3 2025, with stable lending growth and high customer satisfaction.
Maintained good underlying operations despite extraordinary IT costs and ongoing macroeconomic uncertainty.
Result before tax reached NOK 480 million as of 30.09.2025, up from NOK 445 million year-over-year.
Return on equity was 12.3% (12.8% last year); for the parent bank, 10.9% (11.0%).
The bank operates mainly in Møre og Romsdal, offering a full range of financial services.
Financial highlights
Pre-tax profit YTD reached 480 million NOK as of 30.09.2025, up from 445 million NOK the previous year.
Net interest income YTD was 538 million NOK, up from 523 million NOK in 2024.
Net commission and other income totaled NOK 209 million (NOK 184 million).
Total income reached NOK 845 million (NOK 801 million).
Operating expenses were NOK 333 million (NOK 310 million), or 1.52% of average assets.
Cost/income ratio improved to 39.1% as of 30.09.2025, down from 39.5% in 2024.
Outlook and guidance
Macroeconomic uncertainty persists, but low unemployment in the market area supports stability.
Regional business expectations are neutral for the coming year, with sectoral variation.
Loan growth is expected to remain strong in Q4, with deposit growth also above last year.
The bank aims to maintain a cost/income ratio around current levels and sustain return on equity for the year.
Rationale for April 2025 capital reductions?
Next steps for green residential loan growth?
Cost-to-income ratio: Q4 stabilization plan?
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Next SPAREBANK 1 NORDMØRE earnings date
Q4 202511 Feb, 2026
Next SPAREBANK 1 NORDMØRE earnings date
Q4 202511 Feb, 2026
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Frequently asked questions
SpareBank 1 Nordmøre is a comprehensive provider of financial products and services in Norway, catering to both personal and corporate markets. Established in 1835, the bank offers a wide array of services including financing, leasing, savings and investment, insurance, payment processing, estate agency, and accounting services. Its personal market services encompass share savings accounts, mortgages, bank cards, loans for electric cars, and car insurance. For the corporate market, it provides operating accounts, operating credit for agriculture, the Vipps app, leasing, eInvoice, and AvtaleGiro for automated invoice sending to customers. The bank also offers business and personal insurance products, pension products, bank cards, payment and debt collection services, mobile and online banking services, bank guarantees, factoring and leasing products and services, savings and deposit accounts, refinancing, and mortgage services. The company is headquartered in Kristiansund, Norway, and its shares are listed on the Oslo Stock Exchange.
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