Third quarter 2025

(Consolidated figures. Figures in parenthesis refer to the same period of 2024 unless otherwise stated.)

• Pre-tax profit NOK 1,448m (1,693m)
• Net profit NOK 1,171m (1,441m)
• Return on equity 15.9 per cent (21.0 per cent). In the third quarter of 2024, a gain of NOK 452 million related to the merger between Fremtind and Eika Forsikring was recognised. Without this one-time gain the net profit would have been NOK 989m, and return on equity would have been 14.4 per cent.
• CET1 ratio 17.8 per cent (18.2 per cent). The increase in the risk weight floor results, in isolation, in a 1.4 percentage point reduction in CET1 ratio.
• Growth in lending 0.8 per cent (2.2 per cent), while deposits declined 0.3 per cent (minus 1.2 per cent) 
• Lending to the bank’s retail customers rose 1.3 per cent in the quarter (1.2 per cent), 0,1 per cent lower growth than in the second quarter. Lending to the bank’s corporate clients was reduced by 0.2 per cent (4.2 per cent growth) which was 1,3 percentage points lower growth than in the second quarter.
• Deposts from retail customer was reduced by 2.0 per cent (minus 0.9 per cent), 8,2 percentage points lower growth than in the second quarter. Deposits from corporate clients rose by 2.1 per cent (minus 0,7 per cent). This is 3,0 percentage points higher growth than in the second quarter.
• Net result of ownership interests was NOK 278m (685m)
• Net result of financial instruments (incl. dividends) was NOK 75m (minus 14m)
• Losses on loans and guarantees: NOK 27m (75m)
• Earning per equity certificate (EC): NOK 5.19 (6.42)
• Book value per EC: NOK 131.03 (124.05)