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Bien Sparebank
Bien Sparebank (BIEN) investor relations material
Bien Sparebank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Achieved strong and profitable growth in 2025, with a focus on local presence and personal advisory services in the Oslo region.
Result after tax reached NOK 65.2 million, up NOK 4.4 million from 2024, driven by loan portfolio growth and increased dividend from Eika Gruppen.
Forretningskapital (business capital) increased by 11.2% to NOK 8,341 million, reflecting robust market positioning.
Maintained low risk profile with a high share of personal market customers and controlled expansion in the corporate segment.
Financial highlights
Net interest income for 2025 was NOK 134.8 million, up NOK 6.9 million year-over-year.
Net commission and banking service income reached NOK 24 million, up NOK 5.4 million from 2024.
Total net other operating income was NOK 35.5 million, an increase of NOK 10.2 million year-over-year.
Cost-to-income ratio at year-end was 50.3%, compared to 49.2% in 2024.
Net loan losses for the year were NOK 2 million, with non-performing loans at 0.55% of total loans.
Outlook and guidance
Targeting NOK 10 billion in business capital by end of 2026, with continued focus on sustainable and profitable growth.
Market expected to remain robust but differentiated, with greatest stability in established areas and among customers with moderate debt levels.
Anticipates continued investment in technology and advisory capacity to support growth and customer service.
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Next Bien Sparebank earnings date
Q1 202612 May, 2026
Bien Sparebank
Next Bien Sparebank earnings date
Q1 202612 May, 2026
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Frequently asked questions
Bien Sparebank ASA is a commercial bank based in Norway, offering a wide array of banking and insurance services. The bank focuses on providing savings accounts, online and mobile banking solutions, payment processing, investments, mortgage loans, and other financial services. The company offers a number of other banking solutions for both private individuals and businesses alike. The company is headquartered in Oslo, Norway, and its shares are listed on the Oslo Stock Exchange.
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