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Sparebank 68 Grader Nord
Sparebank 68 Grader Nord (SB68) investor relations material
Sparebank 68 Grader Nord Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Mar, 2026
Executive summary
Net profit after tax for 2025 was NOK 137.9 million, representing 1.10% of average total assets, slightly down from NOK 141.1 million (1.18%) in 2024.
Return on equity after tax was 9.1%, compared to 9.4% in 2024.
Total assets increased by 5.7% to NOK 12,808 million at year-end 2025.
The bank maintained strong capital adequacy and liquidity, with a focus on risk management and sustainable growth.
Financial highlights
Net interest income was NOK 306.2 million (2.44% of average assets), stable from NOK 305.7 million (2.54%) in 2024.
Net commission and other operating income rose to NOK 56.3 million from NOK 53.6 million.
Operating expenses increased to NOK 167.6 million (46.2% of income), up from NOK 154.1 million (42.9%).
Loan losses were NOK 13.2 million, down from NOK 15.8 million in 2024.
Dividend proposed at NOK 13.50 per equity certificate.
Outlook and guidance
Economic outlook for the region remains positive, with continued low unemployment and growth in key sectors like seafood and tourism.
IT platform migration in 2026 will cause temporary cost increases and lower return on equity, but is expected to yield long-term savings.
Loan loss expectations remain moderate, with strong provisioning in place.
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Next Sparebank 68 Grader Nord earnings date
Q1 202614 May, 2026
Sparebank 68 Grader Nord
Next Sparebank 68 Grader Nord earnings date
Q1 202614 May, 2026
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Frequently asked questions
Sparebank 68 Grader Nord is a regional savings bank providing financial services to individuals, businesses, and organizations. The bank offers a range of products, including personal and corporate banking, mortgages, loans, savings accounts, insurance, and investment services. It focuses on supporting local communities and fostering economic growth within its operating region in Norway. The bank is headquartered in Harstad, Norway, and its shares are listed on the Euronext Oslo.
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