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SPAREBANK 1 NORDMØRE
SPAREBANK 1 NORDMØRE (SNOR) investor relations material
SPAREBANK 1 NORDMØRE CMD 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2026 summary18 Aug, 2026
Strategic direction and business development
Updated group strategy emphasizes people and technology, aiming to create value and sustainable development for customers, owners, and the local community.
Strategic partnerships are prioritized to benefit customers, the community, and the financial group.
Opened a new finance house in Trondheim in August 2026, consolidating two offices and enhancing regional presence.
Focus on attractive local communities and engagement in regional development.
Recognized for sustainable property development, winning a major sustainability award in 2026.
Financial performance and targets
Achieved a return on equity of 11.4%, surpassing the target of 11%.
Maintained a cost/income ratio of 35.2%, reflecting improved efficiency.
Core capital ratio at 17.44%, well above the regulatory requirement of 15.24%.
Pre-tax profit for Q2 2026 was NOK 293 million, with continued strong lending growth.
Group assets reached NOK 43.8 billion, with customer deposits at NOK 20.3 billion.
Lending, deposits, and portfolio quality
Total lending grew by 6.4% over the past 12 months, with personal market lending up 7.6%.
Deposit growth reached 6.3% year-on-year, with both personal and business markets contributing.
Loan portfolio remains well-diversified, with 74% in the personal market and 26% in the business market.
Increased loan loss provisions to 0.26% of gross loans, with total non-performing loans at 1.51%.
Funding structure remains robust, with a weighted average maturity of 3.3 years for senior funding.
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Latest events from SPAREBANK 1 NORDMØRE
- Profit before tax rose to 318 MNOK, with 6.4% loan growth and CET1 at 17.44%.SNOR
Q2 2026 - Strong lending and deposit growth, robust CET1 ratio, and green finance expansion amid uncertainty.SNORQ1 2026
- Strong 2025 performance with growth, low losses, and high capital; 2026 targets emphasize efficiency.SNORCMD 2026
- Record profit, strong growth, low loan losses, and robust capital position in 2025.SNORQ4 2025
- Profit before tax NOK 480m, ROE 12.3%, CET1 17.6%, strong loan and deposit growth.SNORQ3 2025
- Profitability and capital strength improved, with lending and deposits both showing solid growth.SNORCMD 2025
- Profit before tax rose to NOK 318 million, with robust lending and capital ratios.SNORQ2 2025
- Profit before tax up 47% year-over-year, with strong loan growth and improved efficiency.SNORQ3 2024
- Loan growth, cost efficiency, and robust capital position drive positive outlook.SNORCMD 2024
Next SPAREBANK 1 NORDMØRE earnings date
Q3 202610 Nov, 2026
SPAREBANK 1 NORDMØRE
Next SPAREBANK 1 NORDMØRE earnings date
Q3 202610 Nov, 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.