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Voss Veksel- og Landmandsbank
Voss Veksel- og Landmandsbank (VVL) investor relations material
Voss Veksel- og Landmandsbank 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
Net interest and credit commission income for 2025 was NOK 137.9 million, slightly down from NOK 138.7 million in 2024, with a year-over-year decrease of NOK 0.8 million.
Profit before tax for 2025 was NOK 115.9 million, down from NOK 118.0 million in 2024, reflecting a decrease of NOK 2.1 million year-over-year.
Total comprehensive income for 2025 reached NOK 106.2 million, up from NOK 87.7 million in 2024, an increase of NOK 18.5 million.
Solid core operations with strong loan growth, increased net other operating income, and low losses, but lower interest margin and higher IT and personnel costs.
Financial highlights
Net interest margin for the year was 2.06%, down from 2.18% in 2024.
Return on equity (adjusted for hybrid capital) was 11.10% for 2025, compared to 12.26% in 2024.
Cost-to-income ratio (excluding securities) increased to 46.37% from 42.24% in 2024.
Earnings per share for 2025 was NOK 38.20, slightly down from NOK 38.91 in 2024.
Net other operating income increased by NOK 6.6 million to NOK 59.7 million compared to Q4 2024.
Outlook and guidance
The board proposes a dividend of NOK 18.75 per share for 2025, up from NOK 16.50 in 2024, corresponding to a payout ratio of 49.9%.
The bank expects to continue delivering satisfactory results, supported by a stable local market and focus on quality growth and cost reductions.
Ongoing geopolitical uncertainty, high inflation, and interest rates are expected to impact some sectors, but the bank maintains a conservative risk profile.
Underlying operations remain strong despite increased pressure on net interest income.
What drove the BM loan sector reallocations?
Explain CRR3's positive capital coverage effect.
How will lower rentemargin impact 2026 results?
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Next Voss Veksel- og Landmandsbank earnings date
Q1 202613 May, 2026
Voss Veksel- og Landmandsbank
Next Voss Veksel- og Landmandsbank earnings date
Q1 202613 May, 2026
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Frequently asked questions
Voss Veksel- og Landmandsbank ASA, also known as Vekselbanken, is a commercial bank based in Norway, catering to both individuals and companies. The bank provides a comprehensive suite of banking products and services, including savings accounts, loans (such as car, home, small, and construction loans), overdraft facilities, leasing services, bank guarantees, as well as bank and payment cards. Additionally, it offers insurance products and digital banking solutions through online and mobile platforms to enhance customer convenience and accessibility. The company is headquartered in Voss, Hordaland, and its shares are listed on the Oslo Børs.
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