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SPAREBANK 1 HELGELAND
SPAREBANK 1 HELGELAND (HELG) investor relations material
SPAREBANK 1 HELGELAND 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 before tax for 2025 was 650 million NOK, down from 743 million NOK the previous year, mainly due to higher loan losses and increased costs.
Q4 2025 pre-tax profit was 88 million NOK, down from 200 million NOK in Q3, driven by high loan losses, reduced financial investment results, and increased costs.
Return on equity (ROE) was 9.7%, below the long-term target of 12%.
The quarter was marked by significant loan losses, reduced results from financial investments, and increased operating expenses.
Proposed dividend is NOK 7.67 per equity certificate, representing 51.4% of group profit.
Financial highlights
Net interest income for Q4 2025 was 227 million NOK, a decrease of 8 million NOK from the previous quarter; full-year net interest income was 932 million NOK, down 80 million NOK year-over-year.
Net commission and other income for Q4 was 53 million NOK, up 3-4 million NOK sequentially; full-year total was 193 million NOK, up 10 million NOK year-over-year.
Operating expenses rose to 124 million NOK in Q4, representing 42.0% of total income, above the target of 40%; full-year cost/income ratio was 37.2%.
Loan losses in Q4 were 82 million NOK, up sharply from 6 million NOK in the previous quarter, mainly due to a single large bankruptcy; full-year loan losses were 119 million NOK, up 17 million NOK year-over-year.
Net profit after tax for Q4 2025 was 56 million NOK.
Outlook and guidance
Net interest income is expected to decline in 2026 due to potential rate cuts, strong price competition, and higher funding costs.
Cost reduction measures are being implemented to bring operating expenses below 40% of income.
Loan losses are expected to decrease in 2026 compared to 2023–2025.
Commission income is expected to remain stable, with a slight increase in the commission margin.
The bank maintains a long-term return on equity target of 12%.
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Next SPAREBANK 1 HELGELAND earnings date
CMD 202618 Feb, 2026
SPAREBANK 1 HELGELAND
Next SPAREBANK 1 HELGELAND earnings date
CMD 202618 Feb, 2026
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Frequently asked questions
SpareBank 1 Helgeland is a financial institution based in Norway, primarily serving the Helgeland district in the northern part of the country. As an independent savings bank and part of the SpareBank 1 Alliance, it caters to a diverse clientele including retail customers, small and medium enterprises (SMEs), municipal authorities, and institutions. The bank's offerings encompass a wide range of financial products and services, such as payment services, credit cards, saving accounts, placement services, loans, insurance, shares, currencies, and online banking facilities, emphasizing its role in the private market, business, and public sector. It operates through various segments, including Retail Market and Corporate Market, providing savings, investment, insurance products, leasing, and mortgage services. Additionally, the bank is engaged in owning, managing, and letting commercial properties, with branches located in key cities like Mosjøen, Brønnøysund, and Sandnessjøen. The company is headquartered in Mo i Rana, Norway, and its shares are listed on the Oslo Stock Exchange.
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