SpareBank 1 Nord-Norge NONG

What the company says it expects, and how often it has delivered on it.

Guidance in the latest report

• Corporate Market lending growth expectation (raised) (2026)
  “the bank has raised its expectations for lending growth in CM for 2026 to 7–10 per cent, while maintaining its expectation for RM at 6–9 per cent.” (p. 12)
• Retail Market lending growth expectation (maintained) (2026)
  “the bank has raised its expectations for lending growth in CM for 2026 to 7–10 per cent, while maintaining its expectation for RM at 6–9 per cent.” (p. 12)
• Annual effect of efficiency programme (cost reduction) from 2027 (from 2027)
  “the previously communicated annual effect of the programme of NOK 40–50 million from 2027 is maintained.” (p. 10)
• Profitability target: return on equity of 14 per cent or higher (medium term)
  “The Board of Directors assumes that this corresponds to a return on equity of 14 per cent or higher.” (p. 7)
• Long-term cost-income ratio target of 35 per cent or lower (long term)
  “This is well within the Group’s long-term target of 35 per cent or lower.” (p. 11)
• Internal CET1 ratio target (2026)
  “the Group’s internal target for the Common Equity Tier 1 ratio in 2026 was set at 15.56 per cent” (p. 12)
• Full effect of customer lending and deposit rate changes expected to take effect (from end of November 2026)
  “The full effect of these changes is expected to take effect from the end of November 2026.” (p. 7)
• Outlook for the Group considered favourable (coming years)
  “The outlook for SpareBank 1 Nord-Norge is considered favourable.” (p. 13)

Guidance only counts when it names a year or quarter and a figure the reports show: revenue, operating profit, margins, EPS and bank and insurance ratios. Read by an AI model and can be wrong. Not investment advice.