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SPAREBANK 1 RINGERIKE HADELAND (RING) investor relations material
SPAREBANK 1 RINGERIKE HADELAND 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
Return on equity for Q3 2025 was 14.8% (13.3% adjusted for extraordinary income), with net profit after tax of NOK 141 million and strong financial gains, high dividend capacity, and solid capital adequacy.
Result after tax for Q3 2025 was NOK 161 million, down from NOK 249 million in Q3 2024, mainly due to fewer one-off financial gains.
Cost/income ratio ranged from 32% to 39.1%, reflecting operational efficiency.
The bank remains well-capitalized and plans to propose a 100% dividend payout for 2025, subject to Q4 results.
Financial highlights
Earnings per share (EPS) reached NOK 34.32 for the period, while earnings per equity certificate for the quarter was NOK 9.99.
Net interest income increased by 0.8% year-over-year but was NOK 203 million for Q3 2025, slightly down from NOK 211 million in Q3 2024.
Net commission and other income increased to NOK 101 million from NOK 91 million year-over-year, with high growth in commission income from insurance, real estate, and accounting services.
Loan losses were NOK 2 million, down from NOK 11 million in Q3 2024, with low loan losses and stable portfolio quality.
Total income for the quarter was NOK 336 million, down from NOK 443 million in Q3 2024.
Outlook and guidance
Expectation to pay out 100% of profit for 2025 as dividends, subject to financial development in Q4.
The bank aims for a minimum ROE of 11% over time and expects continued solid capitalization.
Norges Bank reduced the policy rate by 0.5 percentage points in 2025, with further cuts signaled, potentially stimulating local economic growth.
Continued strong competition in the mortgage market and subdued credit demand in the corporate segment.
Low default and loss levels expected to persist, but may rise slightly due to higher interest rates and inflation.
What enables 100% dividend payout for 2025?
Address low loan growth and market competition
CRR3: competitive advantage for the bank?
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Next SPAREBANK 1 RINGERIKE HADELAND earnings date
Q4 202513 Feb, 2026
Next SPAREBANK 1 RINGERIKE HADELAND earnings date
Q4 202513 Feb, 2026
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Frequently asked questions
SpareBank 1 Ringerike Hadeland is a savings bank based in Norway, offering a wide range of financial products and services to both retail and corporate customers. These services encompass daily banking activities, personal and non-life insurance, savings and retirement accounts, online and mobile banking, card issuance, payment services, mortgage, various loans, and real estate credit. The bank operates primarily within the Norwegian market, focusing on both the private and corporate sectors, as well as offering IT and accounting services. The company is headquartered in Hønefoss, Norway, and its shares are listed on the Oslo Stock Exchange.
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