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JÆREN SPAREBANK
JÆREN SPAREBANK (JAREN) investor relations material
JÆREN SPAREBANK Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Achieved annual net profit of MNOK 307.2, up from MNOK 275.1 year-over-year, with Q4 profit at MNOK 66.4 compared to MNOK 51.9 in Q4 last year.
Solid core operations and high lending growth, with positive results driven by dividends and securities performance.
Strong growth in both lending and deposits, with 10.9% loan growth and 10.4% deposit growth over the last 12 months.
Maintained a stable and solid capital position, with a consolidated CET1 ratio of 18.1% at year-end.
Continued market leadership in the Jæren region, especially in residential mortgages and agricultural lending.
Financial highlights
Net interest income for the year was MNOK 409.1, with a margin of 2.06% (down from 2.29% last year).
Net commission income reached MNOK 115.5, with a margin of 0.58%.
Cost/income ratio improved to 39.0% for the year (from 39.2%).
Return on equity after tax was 11.7% for the year, up from 10.9%.
Loan losses and impairments were reversed, contributing positively to results.
Outlook and guidance
Strategic targets for 2026–2028 include minimum 11% return on equity, maximum 40% cost/income ratio, minimum 16% CET1, and minimum 7% loan growth.
Expectation of stable interest rate environment and continued solid performance in core markets.
The bank is well-positioned in terms of market, liquidity, and solidity, with a solid foundation for continued development.
Ongoing global uncertainty, high domestic prices, weak currency, and elevated interest rates present challenges, but interest rates are trending downward.
Elaborate on additional macro write-down
Explain NII decline despite lower policy rates
How CRR3 impacts commercial real estate lending?
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Next JÆREN SPAREBANK earnings date
Q1 202614 May, 2026
JÆREN SPAREBANK
Next JÆREN SPAREBANK earnings date
Q1 202614 May, 2026
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Frequently asked questions
Jæren Sparebank, previously known as Klepp Sparebank, is a regional bank based in Norway, providing a comprehensive range of banking and financial services. The bank serves private individuals, agricultural customers, and small to medium-sized businesses through its branches in Klepp, Time, and Ha. Its services include savings accounts, loans (including vehicle loans, mortgages, and personal loans), refinancing services, and various insurance products such as car, personal, animal, health, home, private, business, employee, and agricultural insurance. Additionally, Jæren Sparebank offers online and mobile banking, payment solutions, digital identification, and asset management services. The bank's operations are categorized into two main segments: the Private Market and the Business Market, with a focus on providing tailored financial solutions to meet the needs of its diverse client base. The company is headquartered in Bryne, Norway, and its shares are listed on the Oslo Stock Exchange.
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