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SPAREBANKEN ØST (SPOG) investor relations material
SPAREBANKEN ØST Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Jul, 2025
Executive summary
Achieved high ROE of 18.3% for Q2 2025, supported by a NOK 80.1 million gain from the Eksportfinans share sale and stable core banking operations.
Maintained low credit risk, high capital adequacy, and robust leverage ratio, positioning among Norway's most solid banks.
Net interest income remains high but is showing a declining trend compared to previous quarters.
Loan volumes remained stable, while deposit volumes increased.
Board reaffirmed dividend policy and long-term ROE target of 10%.
Financial highlights
Net profit after tax: NOK 208.7 million in Q2 2025, up from NOK 133.5 million in Q2 2024.
Net interest income for Q2 2025 was NOK 215 million, down from NOK 220 million in Q1 2025 and NOK 240 million in Q2 2023.
Cost/income ratio improved to 25.6% in Q2 2025, down from 30.4% in Q1 2025.
Loan losses remained very low at NOK 1.5 million, or 0.02% of net loans.
Net other operating income: NOK 114.6 million, mainly from the Eksportfinans sale.
Outlook and guidance
Expects loan growth to align with national credit growth over time.
Anticipates continued pressure on lending margins due to high competition for mortgage customers.
Deposit margins expected to decline further with lower money market rates and increased competition.
Cost control remains strong, but rising wages and IT costs are expected to impact future expenses.
Ambition to maintain minimum 10% ROE over time, focusing on sustainable growth, efficiency, and risk management.
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Next SPAREBANKEN ØST earnings date
Q3 202529 Oct, 2025
Next SPAREBANKEN ØST earnings date
Q3 202529 Oct, 2025
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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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