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MELHUS SPAREBANK
MELHUS SPAREBANK (MELG) investor relations material
MELHUS 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
Result after tax for 2025 was 140.1 MNOK, up from 139.5 MNOK in 2024, with stable operations and positive development.
Loan growth including EBK over the last 12 months was 6.79%, and deposit growth was 7.35%.
Return on equity after tax was 9.29% for 2025, compared to 9.83% in 2024.
Financial highlights
Net interest income for 2025 was 251.4 MNOK, down from 259.6 MNOK in 2024, with a net interest margin of 2.14%.
Other operating income increased to 97.7 MNOK from 84.6 MNOK year-over-year.
Operating expenses rose to 158.4 MNOK from 148.7 MNOK, mainly due to higher personnel costs and increased staffing.
Cost/income ratio was 45.4% in 2025, up from 43.2% in 2024.
Loan losses and write-downs were 12.8 MNOK, down from 15.7 MNOK in 2024.
Outlook and guidance
The bank targets a return on equity above 10%, credit growth between 6-8%, and a cost/income ratio below 45% for 2026.
The bank is well-prepared for future growth, profitability, liquidity, and financial solidity.
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Next MELHUS SPAREBANK earnings date
Q1 202612 May, 2026
MELHUS SPAREBANK
Next MELHUS SPAREBANK earnings date
Q1 202612 May, 2026
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Frequently asked questions
Melhus Sparebank is a Norwegian savings bank with its primary market in Sør-Trøndelag. Melhus Sparebank offers a wide range of financial products and services, including banking for companies, agricultural customers, and private individuals. These services encompass savings accounts, construction and business loans, mortgages, car loans, bank guarantees, overdrafts, leasing services, as well as credit and bank cards. Additionally, the bank provides insurance products covering various needs, savings and pension products, payment services, and online and mobile banking solutions. With a focus on the finance sector and regional banking, Melhus Sparebank serves a critical role in its local community by supporting personal and business financial needs. The company is headquartered in Melhus, Norway, and its shares are listed on the Oslo Stock Exchange.
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