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SPAREBANKEN ØST
SPAREBANKEN ØST (SPOG) investor relations material
SPAREBANKEN ØST Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary11 Feb, 2026
Executive summary
Annual profit after tax for 2025 is NOK 523 million, matching last year's record, with high return on equity and strong capital adequacy maintained.
Dividend proposal for 2025 is NOK 6.90 per equity certificate, totaling NOK 143 million, with a record-high allocation of NOK 357.3 million to charitable purposes.
Gain from sale of Eksportfinans shares contributed positively, generating a one-time gain of NOK 80.1 million.
Slight reduction in lending volume and a modest increase in costs observed.
Very low loan losses and defaults, with robust liquidity and funding structure.
Financial highlights
Net interest income for 2025 was NOK 867.5 million, down from NOK 931.6 million in 2024, with Q4 2025 at NOK 211.8 million.
Net commission and other operating income stable; financial income supported by gains from equity sales.
Cost-to-income ratio at 36.0% for 2025, improved from 34.6% in 2024.
Return on equity for 2025 at 11.8%, exceeding the long-term target of 10%.
Net loans to customers decreased by 2.2% year-over-year to NOK 36.2 billion.
Outlook and guidance
Lending growth expected to align with national credit growth over time, with loan growth in 2026 in line with market.
High competition in mortgage market to pressure lending margins; deposit margins to remain high but may decrease with lower market rates.
Cost control remains strong, but inflation and wage growth will impact future costs.
Loan losses expected to remain low; bank is well positioned for macroeconomic uncertainty.
Norwegian economy expected to see moderate growth, with stable employment and gradual reduction in inflation.
CRR3 impact and IRB bank competitive gap
Payout ratio sustainability and future policy
NII outlook and loan growth segment strategy
Partial view of Summaries dataset, powered by Quartr API
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Next SPAREBANKEN ØST earnings date
Q1 202613 May, 2026
SPAREBANKEN ØST
Next SPAREBANKEN ØST earnings date
Q1 202613 May, 2026
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Frequently asked questions
Sparebanken Øst is a Norwegian savings bank primarily active in eastern Norway and offering banking and financial services These include savings and credit products, current accounts, home mortgage loans, and mortgage loans for vehicles. Sparebanken Øst also provides insurance products covering vehicles, homes, boats, and leisure activities, in addition to life and health insurance. It also manages real estate properties, encompassing operations, leasing, and sales. The company is headquartered in Drammen, Norway, and its shares are listed on the Oslo Stock Exchange.
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