Investor Relations
SpareBank 1 Østlandet is the leading savings bank in Eastern Norway. We are part of the SpareBank 1 alliance, which consists of independent savings bank across the country.
Annual Financial Statements 2025
(Group figures. Figures in parentheses refer to the corresponding period in 2024)Profit after tax: NOK 3,549 (3,356) million
- Return on equity: 13.9 (15.8) per cent
- Earnings per equity certificate: NOK 18.19 (19.07)
- Net interest income: NOK 4,711 (4,213) million
- Net commission and other income: NOK 2,155 (1,690) million
- Net income from financial assets and liabilities: NOK 788 (1,042) million
- Total operating expenses: NOK 3,074 (2,595) million
- Losses on loans and guarantees: NOK 301 (299) million
- Lending growth over the past 12 months including loans transferred to the covered bond companies: 3.2 (16.4) per cent
- Deposit growth over the past 12 months: 5.4 (20.4) per centThe Board of Directors proposes to the bank’s Supervisory Board a cash dividend of NOK 12.7 (10.3) per equity certificate, totalling NOK 1,725 (1,399) million.
In addition, a customer dividend of NOK 582 (470) million is proposed, as well as an allocation of NOK 51 (42) million for gifts and charitable contributions.
4Q 2025 and preliminary financial statements for 2025
SpareBank 1 Østlandet achieved a profit after tax of NOK 3 549 (3,356) million in 2025. The return on equity was 13.9 (15.8) percent. The result was driven by solid development in the core business, with strong net interest income, growth in commission income, and good contributions from owner interests.
4Q 2025 (Consolidated figures. Figures in brackets concern the corresponding period in 2024)
• Profit after tax: NOK 889 (701) million
• Return on equity: 13.3 (11.5) per cent
• Earnings per equity capital certificate: NOK 4.57 (3.71)
• Net interest income: NOK 1,186 (1,179) million
• Net commissions and other operating income: NOK 671 (442) million
• Net income from financial assets and liabilities was NOK 188 (140) million.
• Total operating expenses: NOK 842 (764) million
• Net loan loss provisions were NOK 128 (122) million
• Lending growth in the last quarter, including mortgages transferred to the covered bond companies: 0.1 (12.3) per cent
• Deposit growth in the last quarter: -0.3 (12.4) per cent
• Common Equity Tier 1 capital ratio: 17.6 (16.8) per cent
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Group CEO Klara-Lise Aasen and CFO Geir-Egil Bolstad.
A quick overview
Contact
Geir-Egil Bolstad
CFO
+47 918 82 071
Cathrine Mordal
Head of Treasury
+47 480 02 537
Bjørn-Erik Orskaug
Head of Investor Relations
+47 922 39 185