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SPAREBANK 1 ØSTFOLD AKERSHUS
SPAREBANK 1 ØSTFOLD AKERSHUS (SOAG) investor relations material
SPAREBANK 1 ØSTFOLD AKERSHUS CMD 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2026 summary18 Feb, 2026
Strategic direction and growth ambitions
Aims for significant growth and increased market share across all business areas, supported by strong customer relationships and engaged, skilled employees.
Focuses on maintaining competitive profitability and robust financial solidity.
Operates in a region with strong growth prospects, diverse industry structure, and increasing population.
Financial performance and guidance
Achieved a return on equity of 13.1% in 2025, exceeding the target of 11%.
Maintained a solid core equity tier 1 ratio of 18.22%, well above the 16.07% target.
Dividend policy changed from 2025, now based on group results, with a payout ratio of about 50%.
Board proposes a dividend of NOK 24.50 per equity certificate for 2025 and an extraordinary dividend of NOK 10 for 2024.
Lending, deposits, and market position
Private market lending grew by 7.6% and corporate lending by 11.5% in 2025.
Deposit growth reached 12.1% in the private market and 5.3% in the corporate market.
Continues to gain market share in all business segments.
How does growth strategy affect NII margin pressure?
What drives non-interest income segment shifts?
What is the rationale for the dividend policy change?
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Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
Q1 20268 May, 2026
SPAREBANK 1 ØSTFOLD AKERSHUS
Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
Q1 20268 May, 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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