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Investor Relations14 Oct 2025
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Voss Veksel- og Landmandsbank (VVL) investor relations material
Voss Veksel- og Landmandsbank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Net profit after tax for Q2 2025 was NOK 46.4 million, up from NOK 44.2 million in Q2 2024, reflecting strong underlying operations.
Pre-tax profit for Q2 2025 reached NOK 61.9 million, up from NOK 59.0 million in Q2 2024.
Total assets increased to NOK 6.71 billion as of June 30, 2025, compared to NOK 6.38 billion a year earlier.
Total comprehensive income for H1 2025 was NOK 52.8 million, up from NOK 41.3 million year-over-year.
Solid core operations with strong lending growth, low losses, and increased net other operating income.
Financial highlights
Net interest income for Q2 2025 was NOK 89.2 million, up from NOK 86.2 million in Q2 2024.
Net commission and other operating income rose to NOK 18.7 million from NOK 14.4 million year-over-year.
Net other operating income for H1 2025 was NOK 31.3 million, up NOK 6.1 million year-over-year.
Operating expenses increased to NOK 38.1 million from NOK 32.4 million, driven by higher personnel and other costs.
Customer deposits at quarter-end were NOK 4,862 million, up 8.2% year-over-year; loan growth including Eika Boligkreditt was 8.0%.
Outlook and guidance
Management expects continued satisfactory results, supported by stable local markets and strengthened core operations.
Ongoing focus on quality growth, increased non-interest income, and cost reductions.
Expansion in insurance and savings product sales to further boost income.
Underlying operations continue to develop positively, with stable growth in both lending and deposits.
Explain the reduction in lending to businesses.
Assess the impact of CRR3 on capital adequacy.
How does Ukraine war affect the bank's outlook?
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Next Voss Veksel- og Landmandsbank earnings date
Q3 202529 Oct, 2025
Next Voss Veksel- og Landmandsbank earnings date
Q3 202529 Oct, 2025
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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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