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Sparebank 68 Grader Nord (SB68) investor relations material
Sparebank 68 Grader Nord Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net profit after tax for Q2 2025 was NOK 71.8 million, up from NOK 66.7 million in Q2 2024, with annualized return on equity at 9.2% versus 9.0% last year.
Total assets reached NOK 12.6 billion, a 5.3% increase year-over-year; business volume including brokered loans was NOK 13.9 billion.
Twelve-month loan growth, including brokered loans, was 6.3%, and deposit growth was 5.75%.
The bank reported lower loan losses and higher operating costs, mainly due to changes in profit-sharing expense recognition.
The bank remains well-capitalized and considers its core operations robust amid economic uncertainty.
Financial highlights
Profit before tax for Q2 2025 was NOK 95.9 million, up from NOK 90.9 million in Q2 2024.
Net interest income was NOK 149.3 million (2.43% of average assets), nearly flat year-over-year.
Net commission and other operating income totaled NOK 23.4 million, slightly down from NOK 23.7 million last year.
Operating expenses increased to NOK 77.4 million from NOK 72.3 million, mainly due to higher personnel costs.
Net loan loss provisions were a positive NOK 0.5 million, compared to a NOK 9.2 million expense last year.
Outlook and guidance
The bank expects further interest rate cuts in 2025, following a 0.25 percentage point reduction in June.
Customers have adapted to higher rates, with fewer seeking payment holidays or entering default.
The board views the bank as well-prepared for future challenges, with strong liquidity and capital buffers.
Uncertainty remains highest in commercial real estate, construction, and property development sectors.
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