Bien Sparebank (BIEN) investor relations material

Executive summary

• Achieved strong and profitable growth in 2025, with a focus on local presence and personal advisory services in the Oslo region.

• Result after tax reached NOK 65.2 million, up NOK 4.4 million from 2024, driven by loan portfolio growth and increased dividend from Eika Gruppen.

• Forretningskapital (business capital) increased by 11.2% to NOK 8,341 million, reflecting robust market positioning.

• Maintained low risk profile with a high share of personal market customers and controlled expansion in the corporate segment.

Financial highlights

• Net interest income for 2025 was NOK 134.8 million, up NOK 6.9 million year-over-year.

• Net commission and banking service income reached NOK 24 million, up NOK 5.4 million from 2024.

• Total net other operating income was NOK 35.5 million, an increase of NOK 10.2 million year-over-year.

• Cost-to-income ratio at year-end was 50.3%, compared to 49.2% in 2024.

• Net loan losses for the year were NOK 2 million, with non-performing loans at 0.55% of total loans.

Outlook and guidance

• Targeting NOK 10 billion in business capital by end of 2026, with continued focus on sustainable and profitable growth.

• Market expected to remain robust but differentiated, with greatest stability in established areas and among customers with moderate debt levels.

• Anticipates continued investment in technology and advisory capacity to support growth and customer service.