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AURSKOG SPAREBANK (AURG) investor relations material
AURSKOG SPAREBANK Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Net profit after tax for Q1 2026 was NOK 51.0 million, down from NOK 52.6 million year-over-year.
Forretningskapital (business capital) reached NOK 26,263 million, up NOK 3,002 million from the previous year.
The bank celebrated its 180th anniversary with a major community festival, distributing NOK 4 million in grants.
Financial highlights
Net interest income was NOK 88.3 million (1.74% of avg. assets), nearly flat year-over-year.
Net commission income increased to NOK 21.8 million from NOK 18.4 million year-over-year.
Cost/income ratio rose to 35.6% from 33.7% year-over-year.
Return on equity (ROE) for the last 12 months was 10.9%, up from 10.7%.
Earnings per equity certificate (EPS) was NOK 3.49, down from NOK 4.12.
Outlook and guidance
The bank expects continued stable operations and strong financial position despite a challenging macroeconomic and geopolitical environment.
Customer lending rates will increase by up to 0.25% from August following Norges Bank’s rate hike.
Focus remains on technology, security, and competence development to meet regulatory and customer demands.
- Net profit up 10.2% to NOK 259.9m, with strong capital and low credit losses.AURG
Q4 202511 Feb 2026 - Net income up 5.4% to NOK 187.9m, with strong capital, liquidity, and low credit risk.AURG
Q3 202512 Nov 2025 - Record net income and business capital growth, with robust capital and liquidity ratios.AURG
Q2 202513 Aug 2025 - Net profit up 13% YTD, cost ratio low, capital strong, and loan growth robust.AURG
Q3 202413 Jun 2025 - Net profit up, lending growth strong, cost efficiency improved, and capital remains robust.AURG
Q2 202413 Jun 2025 - Net profit up 10% to NOK 235.7m, CET1 at 17.6%, dividend NOK 15.00 per certificate.AURG
Q4 20245 Jun 2025 - Net income stable at NOK 52.6m, with strong growth in loans, deposits, and capital ratios.AURG
Q1 20255 Jun 2025
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