Sogn Sparebank reports strong Q3 2025 earnings growth

Sogn Sparebank reported a pre-tax profit of NOK 112.1m for the third quarter of 2025, an increase of NOK 4.4m compared to the same period in 2024. After tax, the total result for Q3 2025 stood at NOK 107.6m. The bank also reported a positive net reversal of loan loss provisions and guarantees of NOK 1.7m, contributing to an equity return of 9.7% after tax.

The bank’s net interest income reached NOK 140.3m, with a cost-to-income ratio (including securities) of 42.0%. Sogn Sparebank maintained robust capital adequacy, with a clean core capital ratio of 28.5% for the parent bank and 26.5% consolidated, alongside a profit per equity certificate of NOK 17.77.

Loan growth in its own books was 2.6% over the last 12 months, rising to 3.3% including Eika Boligkreditt AS, while customer deposits increased by 5.1% over the same period.