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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.CMD 2025 summary19 Aug, 2025
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%.
How will CRR 3 affect capital coverage?
Assess innskuddsmarginen against Nibor.
Explain the increase in operating costs.
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Next SPAREBANK 1 NORDMØRE earnings date
Q3 202531 Oct, 2025
Next SPAREBANK 1 NORDMØRE earnings date
Q3 202531 Oct, 2025
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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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