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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Sunndal Sparebank
Sunndal Sparebank (SUNSB) investor relations material
Sunndal Sparebank has been delisted
Sunndal Sparebank Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2025 earnings summary15 May, 2025
Executive summary
Net profit after tax for Q1 2025 was NOK 15.4 million, down from NOK 20.7 million in Q1 2024, mainly due to lower net interest income and higher costs.
Return on equity after tax was 7.7% compared to 10.5% a year earlier.
Cost/income ratio increased to 56.9% from 46.4% due to higher personnel and merger-related costs.
Loan growth over 12 months was 2.0%, while deposit growth was negative at -1.8%.
The merger with Romsdal Sparebank is progressing, aiming for legal completion by June 2, 2025.
Financial highlights
Result before tax was NOK 20.5 million, down from NOK 27.6 million in Q1 2024.
Net interest income fell by NOK 3 million to NOK 33.3 million, mainly due to lower lending margins and volume changes in the corporate segment.
Net commission income remained stable; other operating income decreased by NOK 1.4 million.
Operating expenses increased by NOK 2.6 million to NOK 25.6 million, mainly from wage adjustments and merger costs.
Earnings per equity certificate (before OCI) was NOK 2.13, down from NOK 2.98.
Outlook and guidance
Norges Bank is expected to lower the policy rate in H2 2025, with a year-end target of 4%.
Cost levels are expected to remain temporarily high in 2025 due to the merger, with new long-term financial targets to be set for the combined bank.
The merged bank will have a business capital of about NOK 19 billion, equity of NOK 1.9 billion, 104 employees, and 9 offices.
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Frequently asked questions
Sunndal Sparebank is a financial institution based in Norway that provides a comprehensive range of banking services tailored for both personal and corporate clients. The bank's portfolio includes savings, pension, operating, tax deduction, capital, client, and deposit accounts. Furthermore, Sunndal Sparebank offers a suite of digital banking solutions, such as online and mobile banking, alongside debit and credit cards, bank ID, and various payment services. Additional offerings encompass payment terminals, invoicing, foreign payment services, and a variety of loan products including mortgages, car and green car loans, vehicle and consumer loans, refinancing options, bank guarantees, construction and business loans, overdraft facilities, and leasing services. The company also caters to the insurance needs of its clients, providing company and employee, agriculture, car and other vehicles, animal, home and leisure, and health insurance products. The company is headquartered in Sunndalsøra, Norway, and its shares are listed on the Oslo Stock Exchange.