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Investor Relations14 Oct 2025
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Tysnes Sparebank (TYSB) investor relations material
Tysnes 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 before losses and tax was NOK 23.9 million, down from last year due to reduced net interest income and a deliberate reduction in the loan portfolio to strengthen solidity.
Net loss after tax for the quarter was NOK -20.2 million, mainly due to NOK 53.5 million in credit losses related to merger preparations.
The merger with Haugesund Sparebank is approved and will be effective from September 1, 2025.
Financial highlights
Net interest margin at half-year was 2.22%, down from the previous year.
Net commission income increased by NOK 2.3 million year-over-year to NOK 8.8 million, driven by higher mortgage transfers to Eika Boligkreditt.
Total operating costs increased by NOK 4.4 million year-over-year, with a cost/income ratio of 57.2%.
Equity return after tax was -11.9% for the period.
Total assets at quarter-end were NOK 3,640 million.
Outlook and guidance
Underlying banking operations remain solid despite significant credit losses.
Loan growth is managed tightly in the corporate market to meet capital targets, while private market lending shows positive development.
The bank expects a positive development post-merger, with continued local presence and customer focus.
Explain the main drivers behind the negative equity return.
Assess the impact of CRR3 on capital adequacy.
Detail strategy for maintaining local presence post-merger.
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Next Tysnes Sparebank earnings date
Q3 202514 Nov, 2025
Next Tysnes Sparebank earnings date
Q3 202514 Nov, 2025
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Frequently asked questions
Tysnes Sparebank, established in 1863, is a savings bank offering a comprehensive range of banking products and services tailored to both private and business customers in Tysness and the surrounding areas. The bank's suite of services includes various payment solutions such as bank cards, credits, and both mobile and online banking facilities. It also provides a wide array of insurance solutions, encompassing coverage for children, auto, health, buildings, holiday homes, income, critical health, disability, and more. Furthermore, Tysnes Sparebank offers loans—ranging from car loans and mortgages to credit lines and small loans—alongside investment options like share savings accounts, bank savings, BSU, fund savings, IPS, and retirement savings and pension accounts for private customers. For business clients, the bank delivers payment and billing services, web and mobile banking services, financing services including bank guarantees, overdrafts, leasing, and corporate loans, as well as a variety of insurance products tailored to various industries including construction, property, trade and services, and agriculture. The company is headquartered in Tysnes, Norway, and its shares are listed on the Oslo Stock Exchange.
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