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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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SPAREBANK 1 ØSTLANDET (SPOL) investor relations material
SPAREBANK 1 ØSTLANDET 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
Return on equity reached 14.9% in Q2 2025, with profit after tax of NOK 917 million, supported by strong income growth and minimal loan losses.
Net interest income grew solidly, driven by high retail activity, moderate corporate growth, and a new income model in covered bond companies.
Non-interest income saw strong growth, especially in insurance and real estate brokerage, with record earnings in real estate brokering.
High cost growth was driven by IT, merger-related expenses, and increased staffing, with some one-off effects.
Merger with Totens Sparebank completed, including integration milestones and new customer service center.
Financial highlights
Net interest income for Q2 2025 was NOK 1,159 million, up from NOK 1,008 million year-over-year.
Net profit from financial assets and liabilities rose to NOK 248 million in Q2 2025 from NOK 142 million in Q2 2024.
Total operating expenses increased to NOK 785 million in Q2 2025, mainly due to merger and personnel costs.
Impairment losses on loans and guarantees were NOK 1 million, down from NOK 39 million year-over-year.
Earnings per equity capital certificate reached NOK 4.71 in Q2 2025, up from NOK 4.09 year-over-year.
Outlook and guidance
Rate cut from Norges Bank is expected to positively impact rate-sensitive sectors and support market activity.
Management targets a return on equity of at least 13% long-term, with cost efficiency and capital adequacy as strategic priorities.
Board notes regulatory uncertainty and geopolitical risks but expects improved household finances and continued growth opportunities.
Assess impact of CRR3 on capital adequacy.
Explain the new commission model impact.
Detail strategy for cost control to 2028.
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Next SPAREBANK 1 ØSTLANDET earnings date
Q3 202529 Oct, 2025
Next SPAREBANK 1 ØSTLANDET earnings date
Q3 202529 Oct, 2025
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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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