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SPAREBANK 1 ØSTFOLD AKERSHUS (SOAG) investor relations material
SPAREBANK 1 ØSTFOLD AKERSHUS 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
Board proposes an additional dividend of NOK 10 per equity certificate for 2024, with a total payout ratio of 74.7% for the year, supported by a solid capital position and regulatory changes (CRR3).
Result after tax for the first nine months was NOK 514 million, with a return on equity of 13.8% and earnings per equity certificate of NOK 38.6, reflecting strong profitability despite margin pressure and increased costs.
Lending growth year-to-date: 6.8% in the retail/private market and 10.7% in the corporate market, with deposit growth of 11.9% in retail and 9.6% in corporate.
The quarter was marked by strong results from SpareBank 1 Gruppen and a one-off gain of NOK 50 million from the sale of stakes in associated companies.
Net interest margin remains under pressure due to increased competition and growth ambitions.
Financial highlights
Pre-tax profit for Q3 2025 was NOK 195 million, down from NOK 288 million in Q3 2024.
Year-to-date pre-tax profit was NOK 620 million, compared to NOK 639 million for the same period last year.
Return on equity for Q3 2025 was 13.8%, above the target of 11%.
Net commission and other income reached NOK 112 million in Q3, up from NOK 95 million YoY.
Cost/income ratio increased to 39.4% (from 36.5% YoY), mainly due to higher staffing and a one-off legal cost of NOK 8 million.
Outlook and guidance
Growth ambitions remain high, with continued focus on cost control amid strong competition.
AI and digitalization are expected to drive operational efficiency and improved customer experience.
Dividend policy changed from 2025: payout based on group results rather than parent bank.
The financial position is strong, with capital well above regulatory requirements, supporting further growth and resilience.
Explain CRR3's net capital impact and dividend
Non-banking segments: performance and strategy
Real estate loan portfolio risk assessment
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Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
Q4 20257 Feb, 2026
Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
Q4 20257 Feb, 2026
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Frequently asked questions
SpareBank 1 Østfold Akershus is a Norwegian savings bank offering a broad range of banking and investment products. The services include daily banking, borrowing, personal and non-life insurance, savings operations, online and mobile banking services, card issue, payment services, mortgages, small loans, savings, retirement accounts, and real estate credit among others. The company is headquartered in Moss, Norway, and its shares are listed on the Oslo Stock Exchange.
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