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Voss Veksel- og Landmandsbank (VVL) investor relations material
Voss Veksel- og Landmandsbank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Solid underlying operations continue despite increased pressure on net interest income and higher IT and personnel costs.
Net profit after tax for Q3 2025 was NOK 19.6 million, down from NOK 24.5 million in Q3 2024.
Result before losses for Q3 2025 was NOK 87.4 million, down NOK 4.2 million year-over-year.
Total assets increased to NOK 6.79 billion as of Q3 2025, up from NOK 6.36 billion a year earlier.
Total comprehensive income for Q3 2025 was NOK 76.1 million, up from NOK 64.9 million last year.
Financial highlights
Net interest and credit commission income for Q3 2025 was NOK 34.9 million, nearly flat year-over-year.
Net interest and credit commission income for Q3 was NOK 102.6 million, up NOK 0.6 million year-over-year.
Net profit after tax for the first nine months was NOK 66.0 million, compared to NOK 68.8 million in the same period last year.
Operating expenses increased to NOK 59.6 million from NOK 50.9 million, mainly due to higher personnel and IT costs.
Customer deposits at NOK 4,938 million (+8.3% year-over-year); deposit coverage ratio at 83.2%.
Outlook and guidance
Continued good development in underlying operations is expected, though net interest margin remains under pressure.
Management expects continued satisfactory results, supported by strong core operations and a stable local market.
Ongoing focus on quality growth, increased other income, and cost reductions.
Uncertainty remains due to geopolitical tensions, high inflation, and interest rates, but inflation is trending down.
Strategy for managing operating cost growth
What caused the business loan reduction?
Implications of reduced Pillar 2 requirement
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Next Voss Veksel- og Landmandsbank earnings date
Q4 202512 Feb, 2026
Next Voss Veksel- og Landmandsbank earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
Voss Veksel- og Landmandsbank ASA, also known as Vekselbanken, is a commercial bank based in Norway, catering to both individuals and companies. The bank provides a comprehensive suite of banking products and services, including savings accounts, loans (such as car, home, small, and construction loans), overdraft facilities, leasing services, bank guarantees, as well as bank and payment cards. Additionally, it offers insurance products and digital banking solutions through online and mobile platforms to enhance customer convenience and accessibility. The company is headquartered in Voss, Hordaland, and its shares are listed on the Oslo Børs.
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