SPAREBANK 1 NORDMØRE (MZ3) 2025 Earnings Call Presentation

Financial Performance - The company achieved strong earnings growth and stable loan growth[13] - Return on equity for the parent bank was 11.5%[15], exceeding the target of >11%[15], while the group's return on equity was 12.7%[15] - The core capital adequacy ratio was 17.72%[15], exceeding the target of >16.74%[15] - The cost/income ratio for the parent bank was 37.4%[15], below the target of <40%[15] - Net interest income increased to 350 million NOK[36] compared to 346 million NOK[36] in the previous year - Net profit for the first half of 2025 was 243 million NOK[36], compared to 182 million NOK[36] in the first half of 2024 Loan and Deposit Growth - Total lending increased by 5.8%[19] over the last 12 months - Total lending reached 35.566 billion NOK[19] as of June 30, 2025 - Customer deposits grew by 8.1%[29] over the last 12 months - Total deposits reached 19.065 billion NOK[27] as of June 30, 2025 Loan Portfolio - Personal market (PM) loans accounted for 74%[25] of the portfolio, while business market (BM) loans accounted for 26%[25]