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SPAREBANK 1 NORD-NORGE
SPAREBANK 1 NORD-NORGE (NONG) investor relations material
SPAREBANK 1 NORD-NORGE 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
Profit before tax for 2025 was NOK 4,279 million, down from NOK 4,512 million in 2024, with return on equity at 18.1% (2025) and 16.1% in Q4 2025.
Profit after tax for 2025 was NOK 3,457 million, down from NOK 3,663 million in 2024, with extraordinary gains from insurance merger and pension fund sale.
Maintained strong capital position with CET1 ratio at 16.2% as of year-end, well above regulatory requirements.
Cost/income ratio increased to 32.5% from 30.2% last year, impacted by a one-off legal cost, but cost control remains a focus.
Proposed dividend of NOK 8.5 per equity certificate, with a payout ratio of 55.6%.
Financial highlights
Net interest income for 2025 was NOK 4,030 million, stable year-over-year.
Net commission and other income totaled NOK 1,459 million, down 5.3% due to a one-off gain in 2024.
Net income from financial investments was NOK 971 million, down from NOK 1,056 million.
Total assets increased to NOK 144.3 billion from NOK 135.7 billion.
Loan losses remained low at NOK 81 million for the year, down from NOK 110 million.
Outlook and guidance
Lending growth guidance for 2026: 6–9% in retail, 2–5% in corporate.
Expect continued pressure on net interest margin in 2026 due to competition and muted expectations for further rate cuts.
ROE target remains above 14%, with expectations to deliver at the top end in 2026.
Cost/income ratio target revised to below 35% from 2026, with further cost reduction measures underway.
Dividend policy of over 50% payout maintained for 2026.
PM loan growth strategy for 2026
CRR3 impact on capital ratios
Commercial real estate loss outlook
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Next SPAREBANK 1 NORD-NORGE earnings date
Q1 20267 May, 2026
SPAREBANK 1 NORD-NORGE
Next SPAREBANK 1 NORD-NORGE earnings date
Q1 20267 May, 2026
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Frequently asked questions
SpareBank 1 Nord-Norge is a financial institution based in Norway, offering a comprehensive range of banking services primarily to retail and corporate clients. The bank's service portfolio includes mortgage, construction, consumer, and automobile loans; savings and pension accounts; stocks and mutual funds; and debit and credit card services. Additionally, it provides insurance solutions encompassing life, vehicle, boat, property, savings and pension plans, disability, health, construction, transportation, group accident, liability, machinery, assets, occupational injuries, agriculture, and fire-related damages. Other offerings include overdrafts, leasing and factoring, online banking, mobile banking, VPS services, trading, and payment services. The company is headquartered in Tromsø, Norway, and its shares are listed on the Oslo Stock Exchange.
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