)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Bien Sparebank (BIEN) investor relations material
Bien Sparebank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved profit after tax of NOK 50.6 million for the first three quarters of 2025, up NOK 2.5 million year-over-year.
For Q3 2025, profit after tax was NOK 15.1 million, compared to NOK 14.0 million in Q3 2024.
Strategy focuses on local presence, sustainable growth, and scaling advisory capacity, targeting NOK 10 billion in business capital by end-2026.
Market share in Oslo and surrounding areas increased, with 75% of customers in the core region.
Financial highlights
Net interest income for Q3 2025 was NOK 101.7 million, up NOK 5.0 million from Q3 2024.
Net commission and banking service income reached NOK 17 million, up NOK 5.0 million year-over-year.
Total operating costs for Q3 were NOK 61.3 million, an increase of NOK 7.6 million from last year.
Cost/income ratio at 48.4% (Q3 2024: 46.6%).
Net loan losses for the period were NOK 0.69 million.
Outlook and guidance
Economic uncertainty persists, but inflation is declining and interest rates are expected to gradually decrease.
Oslo housing market remains stable with strong demand and low new supply.
Bank expects continued robust growth, supported by strong capital base and disciplined credit processes.
Detail CRR3's impact on capital requirements
Strategy to balance pricing, volume, and costs
Why did the Leverage Ratio decrease to 7.81%?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Bien Sparebank earnings date
Q4 202512 Feb, 2026
Next Bien Sparebank earnings date
Q4 202512 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Bien Sparebank ASA is a commercial bank based in Norway, offering a wide array of banking and insurance services. The bank focuses on providing savings accounts, online and mobile banking solutions, payment processing, investments, mortgage loans, and other financial services. The company offers a number of other banking solutions for both private individuals and businesses alike. The company is headquartered in Oslo, Norway, and its shares are listed on the Oslo Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage