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Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
Aasen Sparebank
Aasen Sparebank (AASB) investor relations material
Aasen Sparebank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Mar, 2026
Executive summary
Achieved net profit after tax of NOK 82 million in 2025, up from NOK 79 million in 2024, with a return on equity of 9.6% (10.1% in 2024).
Total lending growth was 11.4%, with strong performance across all segments and a strengthened market position.
Cost growth was 4.5%, with low levels of losses and defaults.
Board proposes a cash dividend of NOK 10 per equity certificate, yielding 7.1%.
Financial highlights
Net interest and credit commission income: NOK 155.9 million (NOK 156.0 million in 2024).
Profit after tax: NOK 81.9 million (NOK 79.0 million in 2024).
Cost/income ratio: 45.0% (44.6% in 2024).
Lending growth: 11.4% including transferred mortgage loans.
Return on equity: 9.6% (10.1% in 2024).
Earnings per equity certificate: NOK 10.8 (NOK 11.4 in 2024).
Book value per equity certificate: NOK 119 (NOK 117 in 2024).
Outlook and guidance
Transition to a new IT platform in 2026 will increase costs by an estimated NOK 14 million, with NOK 1 million already provisioned in 2025.
Platform change expected to yield lasting cost savings from 2027.
Continued focus on local presence, digitalization, and sustainable growth.
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Latest events from Aasen Sparebank
- Q3 2025 saw NOK 61m profit, 9.4% loan growth, and a CET1 ratio of 19.2%.AASB
Q3 20256 Nov 2025 - Net profit stable at NOK 40 million, with robust loan growth and improved capital ratios.AASBQ2 202514 Aug 2025
- Q3 2024 saw robust profit, strong loan growth, and improved efficiency.AASBQ3 202413 Jun 2025
- Net profit of 40 MNOK, strong growth, and solid capital position in H1 2024.AASBQ2 202413 Jun 2025
- Q1 2025 net profit rose to NOK 17.4m, with robust capital and loan growth.AASBQ1 20256 Jun 2025
- Solid growth, high profitability, and strong capital position drive continued expansion.AASBQ4 20245 Jun 2025
Next Aasen Sparebank earnings date
Q1 20267 May, 2026
Aasen Sparebank
Next Aasen Sparebank earnings date
Q1 20267 May, 2026
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