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SPAREBANK 1 ØSTLANDET (SPOL) investor relations material
SPAREBANK 1 ØSTLANDET Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Achieved a return on equity of 13.5% in Q3 2025, with result after tax of NOK 876 million, exceeding the long-term target of 13%.
Net interest income showed strong development, with NOK 1,193 million in Q3, and market share increased in the retail segment amid high competition and margin pressure.
Diversified income grew 7% excluding credit institutions, with increased insurance sales and high income from merged real estate operations.
Significant investments in 2025 to simplify operations, redesign customer journeys, and modernize the organization, expected to support future profitability.
Customer satisfaction improved significantly, moving from 14th to 7th place in EPSI's survey.
Financial highlights
Net interest income including commissions from credit institutions increased by 2.2% from the previous quarter, reaching NOK 1,193 million, and net commissions and other income were NOK 508 million.
Operating expenses rose to NOK 727 million, mainly due to increased personnel costs from new initiatives and ongoing strengthening.
High loan loss provisions at NOK 121 million, mainly related to known exposures in the construction sector.
Return on equity for Q3 2025 was 13.5%, compared to 14.1% for the same quarter last year.
Cost/income ratio at 37.2%.
Outlook and guidance
Investments in digitalization and process simplification are expected to improve efficiency and profitability in the coming years.
The bank maintains a long-term return on equity target of at least 13% and aims for a dividend payout ratio of at least 50% of annual profit.
Cost efficiency will be a key focus, with new cost targets to be communicated in early 2026.
Economic outlook is improving, with lower interest rates and higher real wages expected to benefit households and businesses.
Corporate market credit risk mitigation?
Key initiatives for cost efficiency?
Bank's response to capital structure proposals?
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Next SPAREBANK 1 ØSTLANDET earnings date
Q4 202513 Feb, 2026
Next SPAREBANK 1 ØSTLANDET earnings date
Q4 202513 Feb, 2026
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Frequently asked questions
SpareBank 1 Østlandet is a regional savings bank based in Norway, providing a comprehensive range of financial services. As a member of the SpareBank 1 alliance, it caters to both individual and corporate clients. The bank's offerings include savings and loan products, pension savings, mobile and online banking services, card issuance, as well as health and property insurance. Its operations are segmented into Retail, Corporate, and Organisation Market and Capital Market segments. The Retail segment delivers services such as savings, financing, money transfer, insurance, accident prevention, capital, and investment management. The Corporate segment focuses on interest rate and currency hedging services, investment-related services, and property insurance. Meanwhile, the Organisation Market and Capital Market segment provides risk-based advisory solutions and engages in foreign currency services. The company is headquartered in Hamar, Norway, and its shares are listed on the Oslo Stock Exchange.
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