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SPAREBANK 1 ØSTFOLD AKERSHUS
SPAREBANK 1 ØSTFOLD AKERSHUS (SOAG) investor relations material
SPAREBANK 1 ØSTFOLD AKERSHUS Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary10 Feb, 2026
Executive summary
Achieved strong results in 2025, with market share gains across all business areas and robust growth in both lending and deposits in retail and corporate segments.
Result after tax for 2025 was NOK 657 million, up from NOK 651 million year-over-year, with a return on equity of 13.1%.
Board proposes a dividend of NOK 24.50 per equity certificate for 2025 and an extraordinary dividend of NOK 10 for 2024.
Maintained a solid portfolio with low default rates and high core capital adequacy.
Notable one-off gain of NOK 50 million from the sale of stakes in associated companies.
Financial highlights
Pre-tax profit for 2025 reached NOK 798 million, up from NOK 795 million in 2024.
Net commission and other income for 2025 was NOK 428 million, with a NOK 50 million gain from asset sales.
Net interest income including credit institutions was NOK 842 million, with a net interest margin of 1.83%.
Cost-to-income ratio improved to 38.4% in 2025.
Loan losses were low at NOK 9 million, with a loss ratio of 0.02%.
Outlook and guidance
Continued focus on growth ambitions, with expectations of ongoing margin pressure due to competition.
Focus on cost control and increased use of AI for efficiency and customer value.
Dividend policy updated from 2025 to base payouts on consolidated group results, targeting around 50% payout.
The financial position is robust, with a return on equity above target and strong capital adequacy, providing flexibility for future growth.
Future cost ratio improvement drivers
Real estate lending risk mitigation details
Sustaining market share gains amid competition
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Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
CMD 202618 Feb, 2026
SPAREBANK 1 ØSTFOLD AKERSHUS
Next SPAREBANK 1 ØSTFOLD AKERSHUS earnings date
CMD 202618 Feb, 2026
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Frequently asked questions
SpareBank 1 Østfold Akershus is a Norwegian savings bank offering a broad range of banking and investment products. The services include daily banking, borrowing, personal and non-life insurance, savings operations, online and mobile banking services, card issue, payment services, mortgages, small loans, savings, retirement accounts, and real estate credit among others. The company is headquartered in Moss, Norway, and its shares are listed on the Oslo Stock Exchange.
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