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SPAREBANK 1 ØSTLANDET
SPAREBANK 1 ØSTLANDET (SPOL) investor relations material
SPAREBANK 1 ØSTLANDET 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 all financial targets for 2025, with return on equity of 13.9% for the year and 13.3% for Q4, both above the long-term target of 13%.
Profit after tax for 2025 was NOK 3,549 million, up from NOK 3,356 million in 2024.
Board proposes a record dividend of NOK 12.7 per equity certificate and NOK 582 million in customer dividends.
Merger with Totens Sparebank completed, strengthening market position in the Mjøs region.
Customer satisfaction remains high, with the bank ranking best among large banks in the 2025 EPSI survey.
Financial highlights
Net interest income for 2025 was NOK 4,711 million, up from NOK 4,213 million in 2024.
Net commission and other operating income increased to NOK 2,155 million, driven by a NOK 163 million gain from the sale of Youngstorget 5 AS.
Cost/income ratio for 2025 was 40.2%, up from 37.4%.
CET1 capital ratio at year-end was 17.6%, up from 16.8%.
Earnings per equity certificate for 2025 was NOK 18.19.
Outlook and guidance
2026 is expected to be a year of consolidation, with a focus on cost efficiency and maintaining profitability above 13% ROE.
Cost/income ratio target set below 40% (excluding merger costs), with 2027 costs not to exceed 2025 levels.
Dividend payout ratio ambition of at least 50%, with 70% proposed for 2025 due to strong capital position.
Board notes regulatory uncertainty regarding capital structure for Norwegian savings banks.
Gradual improvement expected in household and business financial conditions, but construction sector remains weak.
How will 2027 cost level target be achieved?
What is the corporate market credit and growth outlook?
What is the impact of Savings Bank Commission proposals?
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Next SPAREBANK 1 ØSTLANDET earnings date
Q1 20268 May, 2026
SPAREBANK 1 ØSTLANDET
Next SPAREBANK 1 ØSTLANDET earnings date
Q1 20268 May, 2026
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Frequently asked questions
SpareBank 1 Østlandet is a regional savings bank based in Norway, providing a comprehensive range of financial services. As a member of the SpareBank 1 alliance, it caters to both individual and corporate clients. The bank's offerings include savings and loan products, pension savings, mobile and online banking services, card issuance, as well as health and property insurance. Its operations are segmented into Retail, Corporate, and Organisation Market and Capital Market segments. The Retail segment delivers services such as savings, financing, money transfer, insurance, accident prevention, capital, and investment management. The Corporate segment focuses on interest rate and currency hedging services, investment-related services, and property insurance. Meanwhile, the Organisation Market and Capital Market segment provides risk-based advisory solutions and engages in foreign currency services. The company is headquartered in Hamar, Norway, and its shares are listed on the Oslo Stock Exchange.
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