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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.
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.
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