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SPAREBANK 1 NORDMØRE (SNOR) investor relations material
SPAREBANK 1 NORDMØRE CMD 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Strategic direction and regional focus
Maintains a strong regional presence with 13 offices and 60,000 customers from Ålesund to Trondheim, emphasizing local engagement and community development.
Continues as an independent financial group with a diversified offering in banking, insurance, real estate, and accounting.
Strengthens leadership and growth capacity in SpareBank 1 Økonomipartner to support future ambitions.
Active in regional economic development, with a focus on supporting local businesses and housing projects.
Celebrates 190 years of history, reinforcing its long-term commitment to the region.
Financial performance and targets
Achieved 11.5% return on equity, surpassing the >11% target; cost/income ratio at 37.4% (target <40%).
Maintains a strong CET1 capital ratio of 17.72%, well above the 16.74% target and regulatory requirements.
Dividend payout ratio within the 50-70% target range.
Forretningskapital reached NOK 42.1 billion, up from NOK 39.0 billion the previous year.
Egenkapitalbevis (SNOR) price increased from 144 at year-end 2024 to 161 by mid-2025.
Lending, deposits, and portfolio quality
Total lending grew by 5.8% over the past 12 months, with a 7.0% average annual growth since 2021.
Deposit growth reached 8.1% over the last year, reflecting strong performance in both personal and business markets.
Lending portfolio remains stable and well-diversified, with 74% in personal and 26% in business segments.
Non-performing loans and stage 3 exposures have decreased, with loan loss provisions at 0.13% of gross loans.
Scenario weighting for corporate loan risk was adjusted, increasing the downside scenario to 15%.
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