Romerike Sparebank
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Romerike Sparebank (ROMER) investor relations material

Romerike 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 summary12 Feb, 2026

Executive summary

  • Achieved record pre-tax profit of NOK 289.8 million, up from NOK 249.6 million year-over-year, with after-tax profit at NOK 226.1 million (NOK 192.4 million in 2024).

  • Forretningskapital increased to NOK 25.7 billion, a 13.8% rise, and customer base grew to 29,500.

  • Opened new flagship office in Lillestrøm and expanded to Jessheim, strengthening regional presence.

  • Strategic plans for 2026 include establishing a foundation and listing on Oslo Børs main list.

Financial highlights

  • Net interest income for 2025 was NOK 381.3 million, down NOK 10 million due to higher funding costs and lower interest rates.

  • Net commission and other operating income increased by NOK 34.3 million, mainly from high dividends and positive financial instrument valuations.

  • Cost/income ratio rose to 41.6% from 40.5% due to investments in new markets, offices, and staff.

  • Proposed cash dividend of NOK 10.50 per equity certificate, with a payout ratio of 83%.

  • Equity per certificate increased to NOK 136.80, and EPS rose to NOK 12.71.

Outlook and guidance

  • Well-capitalized and positioned for continued lending growth and market share expansion in 2026.

  • Focus on operational efficiency and digital solutions to enhance competitiveness.

  • Anticipates further interest rate reductions in 2026, supporting economic activity.

How will the foundation impact future ROE and dilution?
CRR3 impact on growth capacity and capital use?
Manage corporate real estate loan portfolio risk
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Frequently asked questions

Romerike Sparebank is an independent savings bank based in Norway, primarily serving the Romerike region. The bank is engaged in providing a broad spectrum of banking services, catering to both personal and business customers. It offers a variety of financial products and services including online and mobile banking, card issuance, payment services, mortgages, different types of loans, savings and retirement accounts, property and health insurance, and real estate credit among others. Romerike Sparebank emphasizes its commitment to offering financial services and professional advice with local roots, aiming to be a solid supporter for its customers through their economic decisions, whether for individual or business purposes.The company is headquartered in Lillestrøm, Norway, and its shares are listed on the Oslo Stock Exchange.

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