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Trøndelag Sparebank (TRSB) investor relations material
Trøndelag Sparebank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Aug, 2025
Executive summary
Result after tax for Q2 2025 was NOK 49.2 million, up from NOK 48.8 million year-over-year, with total comprehensive income of NOK 32.3 million.
Achieved strong growth in lending, deposits, and insurance portfolios, with total assets expected to surpass NOK 10 billion in 2025.
Listed on Euronext Oslo Børs main list as of December 2024, following a successful 2023 merger.
Official credit rating of BBB+ with negative outlook as of May 2025.
The bank is a key sponsor in its local communities, supporting cultural and sports activities.
Financial highlights
Net interest income for Q2 2025 was NOK 103.3 million, up from NOK 101.6 million, with a net interest margin of 2.16% (2.33%).
Cost/income ratio at quarter-end was 60.2%, up from 57.7% year-over-year.
Return on equity (ROE) after hybrid capital interest was 8.8%, down from 10.1% year-over-year.
Customer deposits rose to NOK 6,427 million, a 9.8% year-over-year increase.
Total assets reached NOK 9,885 million, and total lending including Eika Boligkreditt was NOK 9,436 million.
Outlook and guidance
Management expects continued strong growth in 2025, supported by high activity in diversified local industries.
Norges Bank reduced policy rate to 4.25% in June; lending rates to be lowered from August and deposit rates from September.
Anticipated interest rate reductions in 2025 may lower bank income but ease conditions for customers, especially in commercial real estate.
Underlying market area continues to show solid growth potential.
Acquisition of 50.3% of Eie Eiendomsmegling Trondheim in July 2025 is expected to strengthen the bank's position in real estate services.
How does CRR3 impact capital adequacy?
What's the strategy behind Eie acquisition?
What is driving increased mislighold?
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Next Trøndelag Sparebank earnings date
Q3 202514 Nov, 2025
Next Trøndelag Sparebank earnings date
Q3 202514 Nov, 2025
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Frequently asked questions
Trøndelag Sparebank is a regional savings bank providing financial services to individuals, businesses, and organizations. The bank offers a range of banking products, including personal and corporate loans, mortgages, savings accounts, insurance, and investment solutions. Trøndelag Sparebank serves communities primarily in central Norway. The company is headquartered in Trondheim, Norway, and its shares are listed on the Euronext Oslo.
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