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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.
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.
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