Romerike Sparebank (ROMER) investor relations material

Executive summary

• Achieved strong lending growth, especially among private customers, with continued ambition to expand market share in Romerike and surrounding areas.

• Result before tax for H1 2026 was NOK 125.4 million, down from NOK 154.3 million year-over-year, mainly due to margin pressure and increased investments.

• Received approval to convert part of the primary capital to equity certificate capital and establish a foundation, aiming for Oslo Børs listing in Q4 2026.

Financial highlights

• Net interest income for H1 2026 was NOK 177.5 million, NOK 11 million lower than H1 2025, due to higher market rates and margin pressure.

• Net profit after tax was NOK 101.3 million (NOK 123.4 million), with return on equity at 8.3% (10.9%).

• Cost/income ratio increased to 44.6% from 40.4% year-over-year, reflecting investments in new markets, premises, and staff.

• Lending growth (including Eika Boligkreditt) was 14.9% year-over-year, with total gross loans at NOK 23.2 billion.

• Customer deposits grew 4.9% to NOK 11.7 billion, with a deposit ratio of 73.2%.

Outlook and guidance

• Expect continued positive development in net interest income in Q3 2026.

• Strategic investments in digital solutions and upgraded premises to support further growth and efficiency.

• Ambition to increase market share and maintain robust, sustainable growth in a growing region.