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SPAREBANKEN ØST (SPOG) investor relations material
SPAREBANKEN ØST Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Delivered satisfactory ordinary banking results in Q3 2025, with high capital adequacy and low risk in lending portfolios, ranking among Norway's most solid larger banks.
Return on equity (ROE) annualized at 13.4% for Q3 2025, with profit after tax of 120 million NOK.
Net interest income for Q3 2025 reached 240 million NOK, representing 2.07% of average total assets.
Stable deposit and lending volumes, with low losses and delinquencies.
No significant events or one-off effects in the quarter.
Financial highlights
Net interest income for Q3 2025: 240 million NOK, up from 239 million NOK in Q2 2025, and 220.6 million NOK in another report.
Operating expenses were 97 million NOK, representing 36.2% of income.
Loan losses were 2.8 million NOK (0.06% of net loans) in one report and 6.7 million NOK (0.07% of net loans) in another.
Return on equity (Q3 2025): 13.4% in one report, 8.90% in another.
Net commission and other operating income remained stable, with minor fluctuations in financial income.
Outlook and guidance
Loan growth is expected to align with national credit growth over time.
High competition in the mortgage market is expected to pressure lending margins.
Deposit margins are expected to decline further with lower interest rates and increased competition.
Cost control remains good, but rising wages and IT costs are anticipated.
Interest rate cuts by Norges Bank in June and September 2025 are expected to impact net interest income in Q4 and beyond.
CRR3 capital and RWA impact?
Digital channel loan growth strategy?
Future NII impact from rate cuts?
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Next SPAREBANKEN ØST earnings date
Q4 202511 Feb, 2026
Next SPAREBANKEN ØST earnings date
Q4 202511 Feb, 2026
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Frequently asked questions
Sparebanken Øst is a Norwegian savings bank primarily active in eastern Norway and offering banking and financial services These include savings and credit products, current accounts, home mortgage loans, and mortgage loans for vehicles. Sparebanken Øst also provides insurance products covering vehicles, homes, boats, and leisure activities, in addition to life and health insurance. It also manages real estate properties, encompassing operations, leasing, and sales. The company is headquartered in Drammen, Norway, and its shares are listed on the Oslo Stock Exchange.
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