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SPAREBANKEN NORGE
SPAREBANKEN NORGE (SBNOR) investor relations material
SPAREBANKEN NORGE Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved all 2025 financial targets, including ROE of 15.5–15.9% and CET1 ratio of 17.5%, driven by strong growth, profitability, and successful mergers.
Completed mergers with Sparebanken Sør and Oslofjord Sparebank, consolidating market position and expanding operations.
Strong lending and deposit growth in both retail and corporate segments, with increased market share and nationwide expansion.
Maintained a conservative lending portfolio, dominated by retail mortgages and diversified geographically.
Successful integration and synergy realization from recent mergers, with significant cost and capital synergies.
Financial highlights
Net interest income for 2025 reached NOK 9,400 million, with Q4 at NOK 2,800 million.
Net commission income for 2025 was NOK 1,743 million, with robust growth from broker commissions, insurance, and asset management.
Cost/income ratio for 2025 was 29.6–29.8% (excluding merger costs), reflecting strong cost control.
Full-year pre-tax profit was NOK 8,110 million, up from NOK 5,641 million YoY.
Dividend per equity certificate proposed at NOK 12.0 for 2025, with payout ratio between 73% and 81.7%.
Outlook and guidance
Financial targets for 2026–2028 include ROE >13%, ROTE >15%, CET1 >15.9%, and cost/income <30%.
Ambitious growth expectations: 6–8% annual loan growth in retail, 8–10% in corporate, and Bulder targeting NOK 86–100bn in mortgages by 2028.
Integration and synergy targets: NOK 425 million in operating cost synergies and NOK 3.4 billion in capital synergies by 2027/2028.
Ongoing technical integration and synergy realization expected to drive further efficiency.
Integration costs expected to remain below NOK 380 million.
When do net merger synergies materialize?
Explain dividend payout ratio exceeding 50% target
Assess impact of savings bank committee proposals
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Next SPAREBANKEN NORGE earnings date
Q1 202630 Apr, 2026
SPAREBANKEN NORGE
Next SPAREBANKEN NORGE earnings date
Q1 202630 Apr, 2026
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