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Aasen Sparebank
Aasen Sparebank (AASB) investor relations material
Aasen Sparebank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Achieved net profit after tax of NOK 61 million for Q3 2025, up from NOK 60 million year-over-year, with a return on equity of 9.7% compared to 10.3% last year.
Strong, demand-driven loan growth of 9.4% over the last 12 months, with high demand across all business areas.
Strategic partnerships, investments, and collaborations within the second-largest Norwegian banking group contributed positively to performance and competitiveness.
The bank continues to strengthen its local market position and has expanded its workforce to meet regulatory and customer demands.
Financial highlights
Net profit after tax reached NOK 61 million for Q3 2025.
Net interest income for the first nine months was NOK 117 million, up from NOK 116 million year-over-year.
Cost/income ratio improved to 44.49% as of Q3 2025, up from 42.7% last year.
Business volume/total assets under management reached NOK 9.3 billion.
Net loan losses were NOK 2.4 million, down from NOK 3.6 million year-over-year.
Outlook and guidance
Continued focus on capital efficiency, leveraging growth opportunities in the local market, and profitable growth in the region.
Liquidity strategy emphasizes access to multiple capital sources and maintaining strong deposit coverage.
Norges Bank reduced the policy rate from 4.5% to 4.0% during 2025, impacting lending and deposit rates from Q3 and Q4.
Future NIM impact from Norges Bank rate cuts?
AHV outsourcing: What are the cost efficiencies?
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Next Aasen Sparebank earnings date
Q4 20255 Mar, 2026
Aasen Sparebank
Next Aasen Sparebank earnings date
Q4 20255 Mar, 2026
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Frequently asked questions
Aasen Sparebank is an independent, local savings bank based in Norway, dedicated to providing a comprehensive range of banking and financial services. Catering to private individuals, agricultural customers, and small to medium-sized enterprises, the bank's product portfolio includes savings accounts, credit and debit cards, various insurance options, mortgage credits, and personal loans. The company is headquartered in Åsen, Norway, and its shares are listed on the Oslo Stock Exchange.
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