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Rogaland Sparebank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved return on equity of 13% for the quarter and 12.5% for the first nine months of 2025, with after-tax profit of NOK 390.6 million, supported by strong retail lending and cost efficiency.
Increased operational synergy target to NOK 450 million after successful technical merger and integration, with merger costs of NOK 400 million fully recognized.
Maintained high customer satisfaction and loyalty, with a strong local presence and focus on sustainability, including doubling green retail lending.
Enhanced dividend policy to at least 50% in cash, established a share buyback program, and paid NOK 9.50 per equity certificate.
The group includes the parent bank and wholly owned subsidiaries, fully consolidated under IFRS.
Financial highlights
Pre-tax profit reached NOK 2,120 million, with net interest income stable and up 12% YoY to NOK 590 million for 9M25.
Cost-to-income ratio improved to 37% for the quarter and 38–39.4% for 9M25, reflecting strong cost control.
Loan losses and impairments remained low at NOK 22.4 million for 9M25, with non-performing loans at 1.09% of net loans.
Financial investments increased by NOK 70 million quarter-over-quarter, driven by higher fair value in bond and derivative portfolios.
EPS increased to 10.3 kroner for 9M25.
Outlook and guidance
Well positioned for profitable organic lending growth, with a focus on capital discipline and efficiency improvements.
Financial targets for 2025–2028: ROE above 11%, gross lending growth above 5%, CET1 above 16.15%, and dividend payout 50–100%.
Expectation to reach full synergy run rate by 2025–2026, with 14% ROE ambition for 2027.
Anticipate reduction in Pillar 2 capital requirements by year-end, further strengthening capital position.
The board highlights uncertainty in all future estimates, despite a solid base for continued profitable growth.
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Next Rogaland Sparebank earnings date
Q4 202511 Feb, 2026
Next Rogaland Sparebank earnings date
Q4 202511 Feb, 2026
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Frequently asked questions
Rogaland Sparebank is a Norwegian savings bank that provides retail and corporate banking services. The bank offers loans, savings accounts, mortgages, payment solutions, and insurance products. It operates primarily in the Rogaland region, serving private customers, small businesses, and local enterprises. The company is headquartered in Sauda, Norway, and its shares are listed on the OSL.
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