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Haugesund Sparebank
Haugesund Sparebank (HGSB) investor relations material
Haugesund Sparebank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Achieved strong growth in Q4 2025, with significant increases in lending, deposits, and profitability.
Delivered pre-tax profit of NOK 233.8 million for 2025, up from NOK 199.9 million year-over-year, driven by increased lending, dividends from Eika, and value gains on financial instruments.
Maintained a robust presence in Haugalandet and Sunnhordland, with a focus on local, personal banking services.
Announced a merger, stock exchange listing, and new alliance, effective February 2026.
The merger with Tysnes Sparebank was completed on September 1, 2025, significantly increasing equity and lending volumes.
Financial highlights
Net profit after tax for Q4 2025 was NOK 284.2 million, up from NOK 177.2 million in Q4 2024.
Net interest income for 2025 was NOK 377.0 million, up from NOK 355.1 million year-over-year.
Lending growth over 12 months was 30.51%, and deposit growth was 32.98%.
Cost/income ratio (K/I) was 50.75% at year-end.
Earnings per equity certificate for 2025 was NOK 14.30, up from NOK 11.13 in 2024.
Outlook and guidance
Ambition to reach NOK 20 billion in business capital by 2027 and NOK 30 billion by 2032.
Positioned for further growth and development in the core market following the merger.
Focus on cost reduction in 2026 after merger-related cost increases.
Continued focus on local market growth and maintaining strong credit quality.
Strong liquidity and capital base support continued expansion.
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Next Haugesund Sparebank earnings date
Q1 202614 May, 2026
Haugesund Sparebank
Next Haugesund Sparebank earnings date
Q1 202614 May, 2026
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Frequently asked questions
Haugesund Sparebank is a Norwegian savings bank that offers a range of financial products and services primarily to individuals and corporate customers. For personal banking, the bank provides services such as current accounts, mortgage and consumer loans, savings accounts, and insurance products including vehicle, home, and life insurance. The bank also supports digital transactions with bank and credit cards, mobile payments, and online banking. On the corporate side, Haugesund Sparebank offers business loans, leasing solutions, and insurance plans tailored for businesses, as well as various savings and investment products. The bank also has involvement in real estate agency services and securities trading. The company is headquartered in Haugesund, Norway, and its shares are listed on the Oslo Stock Exchange.
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