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SPAREBANK 1 SMN (MING) investor relations material
SPAREBANK 1 SMN 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
Net profit for Q2 2025 was NOK 1,131 million, up from NOK 1,015 million in Q2 2024, with return on equity at 16.2% versus 15.4% last year.
Pre-tax profit for Q2 2025 was NOK 1,405 million, and for H1 2025 NOK 2,674 million, both higher than prior year periods.
Lending grew 1.2% and deposits 0.9% in Q2; 12-month growth in lending was 4.6% and deposits 7.0%.
Losses on loans and guarantees remained low at NOK 32 million for Q2, representing 0.03% of lending (annualised).
Earnings per equity certificate for H1 2025 were NOK 9.31, up from NOK 9.14.
Financial highlights
Operating income reached NOK 2,065 million, a year-over-year increase of NOK 75 million.
Net interest income in Q2 2025 was NOK 1,335 million, up 1.0% sequentially; total income for Q2 was NOK 2,354 million.
Total operating expenses rose to NOK 917 million, up NOK 117 million from Q2 2024, mainly due to Tietoevry-related IT costs.
Group cost-income ratio in Q2 was 44%, up from 41% in Q2 2024; parent bank ratio was 37.8%.
Return on financial investments in Q2 was NOK 14 million, with NOK 23 million capital gains on shares.
Outlook and guidance
Outlook indicates continued growth and strong dividend capacity, supported by a robust capital position.
The group expects moderate cost growth adjusted for the TietoEvry provision; cost-income ratio remains a key focus.
Macroeconomic uncertainty has increased due to global trade restrictions, but the loan portfolio remains robust.
The group maintains a long-term CET1 target of 16.3% and aims for a return on equity above 13% over time.
The board expects 2025 to be a good year despite increased uncertainty.
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Next SPAREBANK 1 SMN earnings date
Q3 202529 Oct, 2025
Next SPAREBANK 1 SMN earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
SPAREBANK 1 SMN provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. It offers savings accounts, loans, car financing, debit and credit cards, currency exchange, insurance products, pension funds, mutual funds investments, bonds and stocks investment goods, advisor solutions, real estate brokerage services, digital bank accounts for children under the age of 18 years, housing estates management services.
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