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SpareBank 1 Sør-Norge (SB1NO) investor relations material
SpareBank 1 Sør-Norge Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Achieved strong operational results in Q2 2025, with robust lending and deposit growth, and high activity across segments.
Integration of SpareBank 1 Sør - Norge is progressing as planned, with technical merger set for September 2025.
Return on equity after tax reached 13.3% for H1 2025 and 12.9% for Q2 2025, or up to 14.9%/14.4% excluding one-off effects.
Earnings per share for Q2 2025 was NOK 5.0 (NOK 4.23 reported in some statements).
Merger synergies on track, NOK 60 million annualized by Q2 2025, targeting NOK 300 million annually by 2027.
Financial highlights
Pre-tax profit for H1 2025 was NOK 4,236 million; Q2 2025 profit after tax was NOK 1,668 million.
Net interest income for Q2 2025 was NOK 2,310 million, up NOK 48 million year-over-year.
Net commission and other income rose to NOK 858 million in Q2 2025, up 10% from Q2 2024.
Operating expenses were NOK 1,414 million, up NOK 221 million year-over-year, including NOK 68 million in merger costs and NOK 74 million for a legal case.
Impairments on loans and financial commitments at NOK 76 million in Q2 2025, 0.08% of gross lending.
Outlook and guidance
Maintains long-term targets: ROE >14%, CET 1 capital ratio >17.55%, cost/income <40%, and dividend share ~50%.
Expects stable earnings and profitable growth, with strong position in Southern Norway and reduced uncertainty from trade agreements.
CET1 capital ratio target is a minimum of 17.55%, expected to reduce to 17.08% following regulatory changes.
Dividend policy aims to distribute around 50% of annual profit, with a share buy-back program planned.
Assess impact of IRB floor change on CET1.
What's driving EiendomsMegler 1's earnings growth?
Explain the one-off items impacting Q2 profit.
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Next SpareBank 1 Sør-Norge earnings date
Q3 202530 Oct, 2025
Next SpareBank 1 Sør-Norge earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
SpareBank 1 SR-Bank ASA, a retail bank, provides a range of services to private individuals, enterprises, and the local community. The company offers account and payment services; lending and mortgage services; securities services; telephone banking and online banking products; savings, investment portfolio management, and insurance products; trading on the financial markets; travel insurance and assistance, and other products for travelers; currency services; corporate finance advisory, leasing, factoring, and supplier credit insurance services; payments. Factoring Receivables integration solutions to suppliers of office equipment and supplies; pension products for companies; cash handling systems installation services as well as secure cash deposits through agencies/branches or locksmiths. SpareBank 1 SR-Bank ASA was founded in 1839 and is headquartered in Stavanger, Norway.
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