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AURSKOG SPAREBANK
AURSKOG SPAREBANK (AURG) investor relations material
AURSKOG SPAREBANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Net income after tax reached NOK 187.9 million, up 5.4% year-over-year, with a solid third quarter result of NOK 57.7 million compared to NOK 55.4 million last year.
Total operating income increased by 6% year-over-year, driven by growth and higher returns from low-risk fixed income funds and increased dividends from Eika Gruppen.
Operating expenses rose 15% year-over-year, mainly due to increased headcount and more branches, with a cost/income ratio of 35.0% (33.0% last year).
The bank remains well-capitalized, benefiting from a new standard method and lower Pillar 2 requirements.
Financial highlights
Net interest income for the first nine months was NOK 273.4 million (1.86% of avg. assets), down from NOK 282.0 million (2.11%) last year.
Net commission income rose to NOK 55.2 million from NOK 44.5 million year-over-year.
Dividend and securities income increased to NOK 54.0 million from NOK 34.6 million year-over-year.
Total operating income reached NOK 382.6 million, up from NOK 361.2 million year-over-year.
Earnings per equity certificate (EPS) was NOK 14.04, up from NOK 13.90 year-over-year.
Outlook and guidance
The bank enters Q4 with strong operations and a solid financial position, expecting continued good demand for its services.
Interest rate cuts by Norges Bank in September will be fully reflected in customer rates from late November.
The bank plans to continue investing in digital solutions and advisory capacity.
New capital rules: growth capacity and risk appetite?
SSB industry reclassification: portfolio risk impact?
Drivers for cost ratio increase and net interest income drop?
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Next AURSKOG SPAREBANK earnings date
Q4 202526 Mar, 2026
AURSKOG SPAREBANK
Next AURSKOG SPAREBANK earnings date
Q4 202526 Mar, 2026
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Frequently asked questions
Aurskog Sparebank, established in 1846, is a regional bank based in Norway that provides a wide range of financial products and services to both individual and corporate customers. The bank's offerings include savings accounts, various types of loans such as mortgage, car, construction, and green business loans, along with bank guarantees, overdrafts, and leasing services. Aurskog Sparebank also provides credit cards and a variety of insurance products, including liability, work machine, data attack, and property damage insurance, among others. In addition to these services, the bank offers pension planning, foreign payment services, and digital banking solutions through mobile and online platforms. The company is headquartered in Aurskog, Norway, and its shares are listed on the Oslo Stock Exchange.
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