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Grong Sparebank
Grong Sparebank (GRONG) investor relations material
Grong Sparebank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Core operations improved in Q3 2025, with enhanced profitability in subsidiaries and value appreciation in Eika Gruppen.
Net profit after tax for Q3 was NOK 133 million, up from NOK 82.1 million year-over-year; profit before tax reached NOK 163.1 million, up from NOK 112 million.
Return on equity after tax rose to 13.7% from 9% in the prior year.
Offices opened in Sandnessjøen and Mo i Rana, expanding physical presence and collaboration with Helgeland Boligbyggerlag.
Acquisition of remaining shares in Helgeland Forsikring AS, now fully owned.
Financial highlights
Net interest income was NOK 183 million, up from NOK 178.2 million year-over-year; net interest margin declined to 2.16% from 2.30%.
Net commission income rose by NOK 12.3 million, mainly from Eika Boligkreditt and insurance commissions.
Dividend income increased by NOK 10.4 million; financial asset value changes improved by NOK 39.8 million.
Operating expenses increased to NOK 128.4 million, mainly due to personnel and expansion costs.
Loan losses and impairments totaled NOK 9.8 million, up from NOK 5.4 million year-over-year.
Outlook and guidance
Falling interest rates and low, declining credit demand may pressure net interest margin and growth ambitions.
Dividend payout ratio target remains 50–80%; actual dividend to be communicated with annual results.
Ownership in Brage Finans and new leasing distribution agreement expected to enhance product offerings for business clients.
Collaboration with Helgeland Boligbyggerlag aims to strengthen presence in Trøndelag and Helgeland.
Credit losses remain moderate and are concentrated in a few exposures; ongoing risk monitoring and mitigation in place.
What drives the increase in credit impairment?
Strategic rationale for Brage Finans partnership
Mitigation plan for falling net interest income
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Next Grong Sparebank earnings date
Q4 202525 Feb, 2026
Grong Sparebank
Next Grong Sparebank earnings date
Q4 202525 Feb, 2026
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Frequently asked questions
Grong Sparebank is a Norwegian independent savings bank that has been serving the community since its establishment in 1862. It provides a comprehensive suite of financial products and services tailored to both private individuals and corporate clients in Norway. The bank's offerings include savings accounts, fund savings, current accounts, deposit accounts, pension accounts, various loan products such as car loans, mortgage loans, consumer loans, and business loans, as well as overdrafts and leasing facilities. Grong Sparebank also extends its services to include a range of insurance products covering home and leisure, vehicles, animals, employees, private, commercial, and agricultural needs. Additionally, it offers bank guarantees, factoring, payment, and bank cards, alongside modern internet and mobile banking services for its clients' convenience. The company is headquartered in Grong, Norway, and its shares are listed on the Oslo Stock Exchange.
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