AURSKOG SPAREBANK
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AURSKOG SPAREBANK (AURG) investor relations material

AURSKOG SPAREBANK Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q4 2025 earnings summary11 Feb, 2026

Executive summary

  • Net profit after tax reached NOK 259.9 million, up 10.2% year-over-year, with return on equity at 11.2% and cost/income ratio at 34.7%.

  • Forretningskapital surpassed NOK 25 billion for the first time, growing 13.7% over 12 months.

  • Driftsinntekter increased by 10%, driven by broader income sources and a one-time NOK 12 million gain from share sales.

  • Credit losses and non-performing loans remain low, with gross non-performing loans at 0.4% of total loans.

Financial highlights

  • Net interest income was NOK 365.4 million, down from NOK 375.3 million last year.

  • Net commission income rose to NOK 78.3 million from NOK 59.6 million.

  • Dividend and securities income doubled to NOK 79.6 million.

  • Total operating income reached NOK 523.5 million, up from NOK 476.2 million.

  • EPS increased to NOK 19.36 from NOK 18.20.

Outlook and guidance

  • Entering 2026 with strong financials and customer satisfaction, the bank expects continued growth despite geopolitical uncertainty and strong competition.

  • Focus remains on accessibility, credit quality, technology, and regulatory compliance.

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Q1 202613 May, 2026
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Frequently asked questions

Aurskog Sparebank, established in 1846, is a regional bank based in Norway that provides a wide range of financial products and services to both individual and corporate customers. The bank's offerings include savings accounts, various types of loans such as mortgage, car, construction, and green business loans, along with bank guarantees, overdrafts, and leasing services. Aurskog Sparebank also provides credit cards and a variety of insurance products, including liability, work machine, data attack, and property damage insurance, among others. In addition to these services, the bank offers pension planning, foreign payment services, and digital banking solutions through mobile and online platforms. The company is headquartered in Aurskog, Norway, and its shares are listed on the Oslo Stock Exchange.

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