AURSKOG SPAREBANK (AURG) investor relations material

Executive summary

• Net profit after tax reached NOK 259.9 million, up 10.2% year-over-year, with return on equity at 11.2% and cost/income ratio at 34.7%.

• Forretningskapital surpassed NOK 25 billion for the first time, growing 13.7% over 12 months.

• Driftsinntekter increased by 10%, driven by broader income sources and a one-time NOK 12 million gain from share sales.

• Credit losses and non-performing loans remain low, with gross non-performing loans at 0.4% of total loans.

Financial highlights

• Net interest income was NOK 365.4 million, down from NOK 375.3 million last year.

• Net commission income rose to NOK 78.3 million from NOK 59.6 million.

• Dividend and securities income doubled to NOK 79.6 million.

• Total operating income reached NOK 523.5 million, up from NOK 476.2 million.

• EPS increased to NOK 19.36 from NOK 18.20.

Outlook and guidance

• Entering 2026 with strong financials and customer satisfaction, the bank expects continued growth despite geopolitical uncertainty and strong competition.

• Focus remains on accessibility, credit quality, technology, and regulatory compliance.