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SPAREBANKEN MØRE (MORG) investor relations material
SPAREBANKEN MØRE Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Profit after tax for Q3 2025 was NOK 258 million, down from NOK 280 million in Q3 2024, with a return on equity of 12.2% for the quarter and 11.7% year-to-date, reflecting a solid but slightly weaker performance year-over-year.
Profit before tax for the first three quarters of 2025 was NOK 957 million, a 12.4% decrease from NOK 1,093 million year-over-year.
Net interest income for Q3 2025 was NOK 515 million, a decrease of 1.5% from Q3 2024, while total income for the quarter was NOK 613 million, down 2.1% year-over-year.
Cost/income ratio increased to 42.3% for the first three quarters, up from 39.7% year-over-year.
Loans to customers grew by 3.7% and deposits by 6.8% over the last 12 months, supporting balance sheet growth.
Financial highlights
Net interest income per Q3 2025 was NOK 1,503 million, down 3.0% year-over-year.
Profit after tax per Q3 2025 was NOK 733 million, a 12.2% decrease from NOK 835 million in Q3 2024.
Profit per equity certificate (EC) for Q3 2025 was NOK 2.40, compared to NOK 2.66 in Q3 2024.
CET1 ratio improved to 18.7% from 17.3% year-over-year.
Cost/income ratio for Q3 2025: 40.8% (Q3 2024: 38.7%).
Outlook and guidance
The Norwegian economy is expected to see a cautious upturn, with low unemployment and increased household purchasing power.
The bank maintains long-term financial targets: ROE above 13%, cost/income below 40%, and CET1 at or above regulatory requirements.
International financial market sentiment improved in Q3, with lower interest rates and falling inflation supporting optimism.
Uncertainty remains high due to global trade policies and geopolitical risks.
Board expects 2025 financial results to be in line with Q3 year-to-date performance.
Quantify CRR3's positive capital impact.
What's the timeline for climate risk in ECL model?
Explain the zero holding of Møre Boligkreditt bonds.
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Next SPAREBANKEN MØRE earnings date
Q4 202529 Jan, 2026
Next SPAREBANKEN MØRE earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Sparebanken Møre is a Norwegian savings bank established through the merger of several savings banks in Møre og Romsdal, its main market. The bank provides a wide range of financial products and services. These include retail and commercial banking services such as financing, deposits, payment transfers, financial advisory services, asset management, insurance, and real estate brokerage. Its offerings cater to both individual and corporate customers, emphasizing the bank's role as a comprehensive provider of financial solutions in its region. The company is headquartered in Ålesund, Norway, and its shares are listed on the Oslo Stock Exchange.
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