Investor Relations
SpareBank 1 Sør-Norge ASA is one of Norway's largest savings banks. We are part of the SpareBank 1-alliance.
Presentation of 2nd quarter 2026 accounts
SpareBank 1 Sør-Norge will publish its results for the second quarter of 2026 at 07:00 CEST on Thursday, 13 August.
SpareBank 1 Sør-Norge, SpareBank 1 Nord-Norge, SpareBank 1 Østlandet, SpareBank 1 SMN, SpareBank 1 Forvaltning and Fremtind Forsikring invite investors, analysts and media to a joint presentation of their quarterly results.
Time: Thursday, 13 August 2026 at 13:30 CEST.
Place: Grand Hotel, Karl Johans gate 31, Oslo.
The presentation will be webcast live here.
CEO Inge Reinertsen and CFO Eirik Børve Monsen will present SpareBank 1 Sør-Norge's results from 15:00 to 15:20 CEST.
At 12:30 CEST, Reinertsen and Monsen will present the quarter's results in detail during an investor call in English hosted on Teams.
Join via web
Meeting ID: 346 352 742 965 914
Passcode: xB3gk2sm
Annual report 2025
SpareBank 1 Sør-Norge's annual report for 2025
Our financial targets
SpareBank 1 Sør-Norge overriding target is to deliver above 14 per cent return on equity (ROE).
At the same time, SpareBank 1 Sør-Norge shall maintain a cost/income ratio below 35 percent and a common equity Tier 1 capital (CET1) ratio above 17.6 percent.
SpareBank 1 Sør‑Norge’s dividend policy is to distribute around 50 percent of the annual profit as a cash dividend. When determining the size of the annual dividend, consideration shall be given to the group’s capital needs, including capital adequacy requirements, as well as the group’s objectives and strategic plans.
- Being cost and capital effective
- Customer growth in South Norway
- Growth in other income
- Joint effort in the SpareBank 1 alliance
- Diversed portfolio
Covered bonds
SR-Boligkreditt AS was established in March 2015. It is a wholly owned special bank subsidiary of SpareBank 1 Sør-Norge ASA. Its objective is to purchase mortgages from the owner and to finance these by issuing covered bonds.
Sustainability
We will create value and profitability and concurrently consider climate, environment and social conditions. Stopping climate change and contributing to the transition to a more sustainable business community will have a special focus for the SpareBank 1 Sør-Norge group in the future.
SpareBank 1 Sør-Norge’s IR policy
SpareBank 1 Sør-Norge wishes to maintain an open dialogue with shareholders and other stock market participants. SpareBank 1 Sør-Norge comply with the majority of Oslo Børs Code of Practice for IR of 1 March 2021.
Reporting to the market and contact with shareholders, investors and analysts outside general meetings are based on the following principles:
- All price-sensitive information must be provided simultaneously to all market participants. This implies that statements to the stock exchange and press releases will be distributed through Oslo Børs and to external recipients through external channels, as well as published on the Group's home pages.
- All presentations, such as those related to interim results, capital markets days, or seminars, are held in Norwegian. However, in connection with the presentation of interim financial reports, there will be international team calls where the presentation is conducted in English.
- Presentations used in meetings with individual investors shall not be materially different from those previously presented on the group's home pages. Nor should individual investors be given verbal information that is not shared with the overall market.
- SpareBank 1 Sør-Norge observes a silent period, which is 30 days before the financial report for the period has been made public.
