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SPAREBANK 1 SMN
SPAREBANK 1 SMN (MING) investor relations material
SPAREBANK 1 SMN 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 a full-year net profit of NOK 4,367 million and a Q4 profit of up to NOK 1,061 million, with a return on equity of 14.8% for 2025 and 13.7% in Q4.
Board proposes a record-high dividend of NOK 13.50 per equity certificate, with a 69% payout ratio and NOK 968 million allocated to community dividend.
Maintained a diversified and robust business model, with significant contributions from subsidiaries and associated companies.
Comprehensive service offering and market-leading digital solutions underpin strategic growth.
Positioned among the top 20 companies on Oslo Børs by market value.
Financial highlights
Net interest income for Q4 2025 was NOK 1,349 million, with full-year net interest income at NOK 5,343 million.
Lending grew 3.8% year-over-year; deposit growth was 3.7% year-over-year.
Cost-to-income ratio improved, with Q4 operating expenses at NOK 870 million, and Group cost/income ratio at 45%.
Loan losses for 2025 were NOK 140 million, down from 2024, representing 0.09% of total lending in Q4.
Earnings per equity certificate: NOK 19.08.
Outlook and guidance
Cost growth is expected to remain low in 2026, with only half of departing employees replaced and efficiency measures planned.
Strategic focus on technology, AI, and sustainable community development for 2026–2028.
Continued focus on profitable growth in both retail and corporate segments and market share growth.
No specific guidance on loan losses, but outlook remains for continued low losses.
Well-positioned for structural changes and continued growth in Central Norway.
Synergy upside: What specific areas drive it?
Cost control: What drives flat cost development?
Midt-Norge competition: How to gain share?
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Next SPAREBANK 1 SMN earnings date
Q1 20267 May, 2026
SPAREBANK 1 SMN
Next SPAREBANK 1 SMN earnings date
Q1 20267 May, 2026
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Frequently asked questions
SPAREBANK 1 SMN provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. It offers savings accounts, loans, car financing, debit and credit cards, currency exchange, insurance products, pension funds, mutual funds investments, bonds and stocks investment goods, advisor solutions, real estate brokerage services, digital bank accounts for children under the age of 18 years, housing estates management services.
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