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SpareBank 1 Sør-Norge
SpareBank 1 Sør-Norge (SB1NO) investor relations material
SpareBank 1 Sør-Norge has been delisted
SpareBank 1 Sør-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
Achieved strong financial results in 2025, maintaining high growth and profitability post-merger, with ongoing organizational streamlining and increased synergy ambitions.
Completed significant mergers and organizational changes, reducing group management size by 50% and targeting a reduction of 150 FTEs by end of 2026.
Launched a share buyback program and proposed a NOK 12 per share dividend, reflecting a 71% payout ratio.
Maintained a well-diversified loan portfolio with low risk and high credit quality.
Southern Norway remains economically strong, with low unemployment and positive business sentiment.
Financial highlights
Full-year 2025 return on equity was 12.8%, or 14.1% excluding one-off merger and goodwill costs.
Pre-tax profit for 2025 reached MNOK 8,349, up from MNOK 7,957 in 2024.
Cost-income ratio for the year was 38%.
CET1 capital ratio at 17.57%, 85 bps above regulatory requirements.
Earnings per share increased to NOK 17.0.
Outlook and guidance
Confident in achieving a 14% long-term return on equity target, with cost-to-income ratio target lowered from below 40% to below 35%.
No explicit guidance on future dividend or buyback mix, but cash dividends prioritized.
Well positioned for profitable growth regardless of central bank rate cuts, with a positive 2026 outlook.
Sustainable lending target set at 25% of total lending by 2030.
What specific non-FTE drivers underpin 35% cost-income target?
How sustainable is the 71% payout ratio for future dividends?
How does bond market use by corporates impact strategy?
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Next SpareBank 1 Sør-Norge earnings date
Q1 20267 May, 2026
SpareBank 1 Sør-Norge
Next SpareBank 1 Sør-Norge earnings date
Q1 20267 May, 2026
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Frequently asked questions
SpareBank 1 SR-Bank ASA, a retail bank, provides a range of services to private individuals, enterprises, and the local community. The company offers account and payment services; lending and mortgage services; securities services; telephone banking and online banking products; savings, investment portfolio management, and insurance products; trading on the financial markets; travel insurance and assistance, and other products for travelers; currency services; corporate finance advisory, leasing, factoring, and supplier credit insurance services; payments. Factoring Receivables integration solutions to suppliers of office equipment and supplies; pension products for companies; cash handling systems installation services as well as secure cash deposits through agencies/branches or locksmiths. SpareBank 1 SR-Bank ASA was founded in 1839 and is headquartered in Stavanger, Norway.
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