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SPAREBANK 1 RINGERIKE HADELAND
SPAREBANK 1 RINGERIKE HADELAND (RING) investor relations material
SPAREBANK 1 RINGERIKE HADELAND Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Achieved record net profit after tax of NOK 734 million in 2025, up from NOK 704 million, with annualized ROE at 14.5%, exceeding financial targets for profitability and capital adequacy.
Q4 net profit was NOK 184 million, with ROE at 13.8%.
Proposed a total dividend of NOK 44.00 per equity certificate, including an extraordinary dividend, resulting in a 100% payout ratio (subject to regulatory approval).
Results were positively impacted by extraordinary gains from the sale of stakes in SamSpar companies and strong contributions from subsidiaries and the SpareBank 1 Group.
Strong capital position with a CET1 ratio of 18.1%, well above regulatory requirements.
Financial highlights
Net profit after tax increased to NOK 734 million in 2025 from NOK 704 million in 2024.
Net interest income for 2025 was NOK 807 million, down from NOK 826 million year-over-year.
Net commission and other income increased to NOK 410 million for the year, up from NOK 354 million.
Net income from financial investments rose to NOK 228 million, driven by higher dividends, group contributions, and a NOK 58 million gain from SamSpar asset sales.
Loan losses were a net reversal of NOK 5 million for the year, reflecting model adjustments and low defaults.
Outlook and guidance
Expect continued high competition in the mortgage market and moderate optimism in the business sector.
Expectation of 1–2 interest rate cuts in 2026, with stable low unemployment and continued strong local housing market activity.
Bank aims to maintain ROE above 11% and distribute at least 60% of profit to equity certificate holders.
Continued focus on digital services, customer experience, and leveraging local market leadership for growth.
The bank will continue to balance solidity, profitability, cost development, and growth.
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Next SPAREBANK 1 RINGERIKE HADELAND earnings date
Q1 20266 May, 2026
SPAREBANK 1 RINGERIKE HADELAND
Next SPAREBANK 1 RINGERIKE HADELAND earnings date
Q1 20266 May, 2026
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Frequently asked questions
SpareBank 1 Ringerike Hadeland is a savings bank based in Norway, offering a wide range of financial products and services to both retail and corporate customers. These services encompass daily banking activities, personal and non-life insurance, savings and retirement accounts, online and mobile banking, card issuance, payment services, mortgage, various loans, and real estate credit. The bank operates primarily within the Norwegian market, focusing on both the private and corporate sectors, as well as offering IT and accounting services. The company is headquartered in Hønefoss, Norway, and its shares are listed on the Oslo Stock Exchange.
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