SpareBank 1 Østfold Akershus SOAG

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

Guidance in the latest report

• Annual expected effect of identified and implemented cost reductions (annual (full effect in 2027))
  “Videre identifisert og iverksatt kostnadsreduksjoner med årlig forventet effekt på 10 mill. kr.” (p. 9)
• Cost ratio expected to fall over time due to implemented cost measures with full effect in 2027, combined with increased growth and income (over time / 2027)
  “Kostnadsprosenten forventes å falle over tid med bakgrunn i iverksatte kostnadstiltak som får full effekt i 2027, kombinert med økt vekst og inntekt.” (p. 15)

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.