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SPAREBANKEN NORGE (SBNOR) investor relations material
SPAREBANKEN NORGE Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Achieved strong return on equity (ROE) of 18.1% in Q3 2025, maintaining a solid CET1 ratio of 18.1% and demonstrating robust profitability and capital adequacy.
Merger of Sparebanken Sør and Sparebanken Vest formed Sparebanken Norge, effective 2 May 2025, with Brage Finans AS fully consolidated as a subsidiary.
Rapid and efficient merger process underway, with significant market share gains in both retail and corporate lending.
Maintained a conservative loan portfolio, with residential mortgages comprising ~70% of the loan book and low loan losses at 0.07% of gross loans.
Demonstrated strong cost discipline, with a cost-to-income ratio of 29.4% (28.8% adjusted for merger costs) and underlying cost growth of 4.7%.
Financial highlights
Net interest income increased to NOK 2,760 million in Q3 2025, driven by lending and deposit growth.
Pre-tax profit improved to NOK 2,303 million in Q3 2025, up from NOK 2,245 million in Q3 2024, supported by higher revenues and controlled costs.
Book value per equity certificate rose to NOK 112.2.
Retail customer lending reached NOK 322 billion, with year-on-year growth of 7.1%.
Retail customer deposits grew to NOK 126 billion, with year-on-year growth of 11.2%.
Outlook and guidance
Financial targets for 2026-2028 include ROE >13%, ROTE >15%, cost/income <30% (excluding merger costs), and CET1 ratio >16%.
Ambitious loan growth targets: 6-8% annually in retail, 8-10% in corporate, and Bulder aiming for NOK 100 billion in mortgages by 2028.
Total loan portfolio expected to reach ~NOK 620 billion by Q4 2028.
Integration costs expected up to NOK 380 million by 2027; synergy targets NOK 425 million (operating costs) and NOK 3.4 billion (capital).
Update on merger synergy realization and costs
Impact of savings bank committee proposals
Corporate deposit growth challenges and Bulder success
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Next SPAREBANKEN NORGE earnings date
Q4 202530 Jan, 2026
Next SPAREBANKEN NORGE earnings date
Q4 202530 Jan, 2026
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