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Romerike Sparebank (ROMER) investor relations material
Romerike Sparebank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Result before tax reached NOK 221.2 million for the first nine months, up from NOK 199.1 million year-over-year, with after-tax profit at NOK 174.0 million (NOK 154.8 million).
Total comprehensive income increased by NOK 72.5 million year-over-year, driven by higher valuation of Eika Gruppen shares and increased unrealized gains.
Customer base stands at 29,300, with 26,100 private and 3,200 corporate clients; business capital rose 12.7% to NOK 24.5 billion over the past year.
Strategic investments in new, energy-efficient headquarters and expanded advisory capacity support long-term growth and sustainability goals.
Financial highlights
Net interest income for the period was NOK 284.9 million, slightly down from NOK 292.8 million due to higher funding costs and lower lending margins.
Net commission and other operating income increased by NOK 23.9 million year-over-year, mainly from Eika Boligkreditt and insurance sales.
Cost/income ratio improved to 40.5% (from 42.3%), reflecting efficiency gains despite higher personnel costs.
Net loan losses were NOK 1.6 million, significantly reduced from NOK 14.1 million last year.
Brutto loans including Eika Boligkreditt reached NOK 20.7 billion, up 12.0% year-over-year.
Outlook and guidance
Well-capitalized for continued organic growth in the Romerike region, with new offices opening in Lørenskog and Jessheim to enhance market presence.
Focus on further digitalization and operational efficiency to strengthen competitiveness.
Norges Bank reduced the policy rate to 4.00%, with expectations of gradual further cuts next year if economic conditions allow.
How is the NPL shift in housing development managed?
Detail CRR3's impact on growth capacity.
How to improve NII % given funding costs?
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Next Romerike Sparebank earnings date
Q4 202514 Feb, 2026
Next Romerike Sparebank earnings date
Q4 202514 Feb, 2026
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Frequently asked questions
Romerike Sparebank is an independent savings bank based in Norway, primarily serving the Romerike region. The bank is engaged in providing a broad spectrum of banking services, catering to both personal and business customers. It offers a variety of financial products and services including online and mobile banking, card issuance, payment services, mortgages, different types of loans, savings and retirement accounts, property and health insurance, and real estate credit among others. Romerike Sparebank emphasizes its commitment to offering financial services and professional advice with local roots, aiming to be a solid supporter for its customers through their economic decisions, whether for individual or business purposes.The company is headquartered in Lillestrøm, Norway, and its shares are listed on the Oslo Stock Exchange.
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