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SPAREBANK 1 NORDMØRE
SPAREBANK 1 NORDMØRE (SNOR) investor relations material
SPAREBANK 1 NORDMØRE Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Pre-tax profit for 2025 reached 626 million NOK, the best result in the bank's history, up from 598 million NOK in 2024.
Return on equity for 2025 was 11.9% for the group (12.7% in 2024), with the parent bank at 10.5% (11.3%).
The bank maintained a strong regional presence, serving over 60,000 customers, with increased lending and deposit growth.
Experienced extraordinary cost items during the year but reported much lower loan losses and stable credit quality.
Continued high demand for products and services, with strong customer satisfaction.
Financial highlights
Net interest income for 2025 totaled 709 million NOK, up from 701 million NOK in 2024.
Net commission and other income reached 280 million NOK, and net return on financial investments was 120 million NOK.
Total income was 1,108 million NOK, with operating expenses at 455 million NOK, mainly due to wage and technology investments.
Loan loss provisions dropped to 28 million NOK, with loan losses at 0.08% of gross loans.
Lending growth over 12 months was 5.4%, and deposit growth was 7.2%.
Outlook and guidance
Expects continued good growth but with lower margins and cost growth in 2026 compared to 2025.
Only one interest rate cut is anticipated in 2026, with ongoing macroeconomic uncertainty.
Regional optimism remains high, with low unemployment and stable business conditions, though macroeconomic and geopolitical uncertainty persists.
Green loan growth trajectory for 2026
Net CET1 impact from 2025 strategic/regulatory changes?
Drivers for lower cost growth in 2026?
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Next SPAREBANK 1 NORDMØRE earnings date
CMD 202618 Feb, 2026
SPAREBANK 1 NORDMØRE
Next SPAREBANK 1 NORDMØRE earnings date
CMD 202618 Feb, 2026
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Frequently asked questions
SpareBank 1 Nordmøre is a comprehensive provider of financial products and services in Norway, catering to both personal and corporate markets. Established in 1835, the bank offers a wide array of services including financing, leasing, savings and investment, insurance, payment processing, estate agency, and accounting services. Its personal market services encompass share savings accounts, mortgages, bank cards, loans for electric cars, and car insurance. For the corporate market, it provides operating accounts, operating credit for agriculture, the Vipps app, leasing, eInvoice, and AvtaleGiro for automated invoice sending to customers. The bank also offers business and personal insurance products, pension products, bank cards, payment and debt collection services, mobile and online banking services, bank guarantees, factoring and leasing products and services, savings and deposit accounts, refinancing, and mortgage services. The company is headquartered in Kristiansund, Norway, and its shares are listed on the Oslo Stock Exchange.
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