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SPAREBANK 1 ØSTFOLD AKERSHUS
SPAREBANK 1 ØSTFOLD AKERSHUS (SOAG) investor relations material
SPAREBANK 1 ØSTFOLD AKERSHUS CMD 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2026 summary18 Feb, 2026
Strategic direction and growth ambitions
Aims for significant growth and increased market share across all business areas, supported by strong customer relationships and engaged, skilled employees.
Focuses on maintaining competitive profitability and robust financial solidity.
Operates in a region with strong growth prospects, diverse industry structure, and increasing population.
Financial performance and guidance
Achieved a return on equity of 13.1% in 2025, exceeding the target of 11%.
Maintained a solid core equity tier 1 ratio of 18.22%, well above the 16.07% target.
Dividend policy changed from 2025, now based on group results, with a payout ratio of about 50%.
Board proposes a dividend of NOK 24.50 per equity certificate for 2025 and an extraordinary dividend of NOK 10 for 2024.
Lending, deposits, and market position
Private market lending grew by 7.6% and corporate lending by 11.5% in 2025.
Deposit growth reached 12.1% in the private market and 5.3% in the corporate market.
Continues to gain market share in all business segments.
How does growth strategy affect NII margin pressure?
What drives non-interest income segment shifts?
What is the rationale for the dividend policy change?
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Latest events from SPAREBANK 1 ØSTFOLD AKERSHUS
- Strong profit, lending growth, and high capital ratios with increased dividends in 2025.SOAG
Q4 202510 Feb 2026 - Solid profit, strong growth, and high capital ratios enable extra dividend proposal.SOAGQ3 202531 Oct 2025
- Profit and capital up, CET1 at 19.6%, margin pressure and one-offs affect results.SOAGQ2 202515 Aug 2025
- Record profit, strong capital, and robust loan growth in key segments marked Q3 2024.SOAGQ3 202413 Jun 2025
- Strong profitability, robust growth, and minimal loan losses define H1 2024.SOAGCMD 202413 Jun 2025
- Strong profit, robust capital, and minimal loan losses highlight H1 2024 performance.SOAGQ2 202413 Jun 2025
- Record profitability and market share gains drive robust 2024 performance and future growth.SOAGCMD 20256 Jun 2025
- Profit and margins fell, but lending growth and capital ratios remained strong.SOAGQ1 20256 Jun 2025
- Net profit reached NOK 651m in 2024, driven by lending growth and one-off gains.SOAGQ4 20245 Jun 2025
Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
Q1 20268 May, 2026
SPAREBANK 1 ØSTFOLD AKERSHUS
Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
Q1 20268 May, 2026
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