Bien Sparebank (BIEN) Q2 2026 earnings summary

Executive summary

• Achieved profit after tax of NOK 31.7 million for H1 2026, reflecting stable core operations and targeted investments in capacity and business development.

• Strategy focuses on local presence, personal advisory, and leveraging Eika alliance for scale and technology.

• Forretningskapital (business capital) increased by 8% YTD, with strong growth in Oslo and surrounding regions.

Financial highlights

• Net interest income for H1 2026 was NOK 67.7 million, stable year-over-year.

• Cost/income ratio rose to 50.4% from 46.8% last year, reflecting planned investments.

• Return on equity (ROE) after tax was 8.30% (adjusted: 8.81%).

• Net profit per share for H1 2026 was NOK 5.27.

• Dividend from Eika Gruppen contributed NOK 7.1 million.

Outlook and guidance

• Expect continued moderate economic growth, high interest rates, and international uncertainty.

• Oslo housing market remains robust, supporting stable loan demand.

• Focus for H2 2026 is on realizing productivity gains and value from recent investments.

• Bank is well-capitalized and positioned for further profitable growth.