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SOGN SPAREBANK
SOGN SPAREBANK (SOGN) investor relations material
SOGN 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 increased income in Q4 2025 compared to the previous year, mainly from net interest income, despite strong competition in banking and insurance services.
Result before losses reached NOK 142.5 million, up NOK 1.4 million from Q4 2024.
Net reversals on loan losses of NOK 0.2 million, an improvement of NOK 6.4 million year-over-year.
Total comprehensive income after tax was NOK 154.2 million, up NOK 52.2 million from the previous year.
Proposed dividend per equity certificate of NOK 22.00 and NOK 9.9 million in community gifts, pending general meeting approval.
Financial highlights
Net interest income for 2025 was NOK 187.4 million (2.25% of average managed capital), slightly down from NOK 188.3 million (2.35%) in 2024.
Net other operating income was NOK 31.3 million (0.38%), up from NOK 26.8 million (0.33%).
Net return on financial investments increased to NOK 38.4 million (0.46%) from NOK 31.5 million (0.39%).
Operating expenses rose to NOK 114.7 million (1.38% of average managed capital), up 0.06 percentage points year-over-year.
Cost/income ratio (including securities) was 44.59%, up from 42.80%.
Net profit after tax was NOK 113.1 million (1.36% of average managed capital), compared to NOK 103.8 million (1.29%).
Outlook and guidance
No significant interest rate cuts expected in 2026; only one or two minor reductions possible in the second half.
Global economic uncertainty and geopolitical tensions may impact Norwegian financial markets and interest margins.
Focus remains on strong operations, profitability, and providing tailored financial solutions.
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Next SOGN SPAREBANK earnings date
Q1 202615 May, 2026
SOGN SPAREBANK
Next SOGN SPAREBANK earnings date
Q1 202615 May, 2026
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Frequently asked questions
Sogn Sparebank is a regional savings bank based in Norway, serving primarily private households and small to medium-sized enterprises. The bank provides a comprehensive range of financial products and services, including savings accounts, checking accounts, payment mediation services, credit cards, mortgages, personal loans, life assurance, asset insurance, leasing, investment trusts, and digital banking solutions through both online and mobile platforms. The company is headquartered in Årdalstangen, Norway, and its shares are listed on the Oslo Stock Exchange.
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