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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
HØLAND OG SETSKOG SPAREBANK
HØLAND OG SETSKOG SPAREBANK (HSPG) investor relations material
HØLAND OG SETSKOG SPAREBANK Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary3 Nov, 2026
Executive summary
Q3 2026 profit after tax was NOK 7.6m; the nine-month period recorded a NOK 7.4m loss versus NOK 36.8m profit in 9M 2025, driven by higher loan-loss charges and workout costs.
Gross loans including Eika Boligkreditt (EBK) reached NOK 8.698bn, up 5.18% YoY; customer deposits were NOK 4.845bn, down 4.15%.
Financial highlights
9M net interest income was NOK 90.9m versus NOK 93.9m; including EBK financing, net interest income was NOK 95.6m versus NOK 100.3m.
9M net commission income excluding EBK was NOK 28.2m versus NOK 26.4m; total operating costs rose to NOK 88.8m from NOK 76.0m.
9M pre-impairment profit was NOK 49.4m versus NOK 69.5m; loan impairment charges were NOK 62.9m versus NOK 24.3m.
9M result after tax was -NOK 7.4m versus NOK 36.8m; EPS per equity certificate was -NOK 4.10 versus NOK 5.55. Q3-only net profit was NOK 7.6m versus NOK 6.3m.
Outlook and guidance
A weak full-year result is expected, with no dividend payment anticipated.
Work to resolve and limit losses on distressed exposures remains a priority; completion is taking longer than expected, while external-resource costs are expected to decline through winter.
Distressed exposures are expected to decrease during 2026.
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Latest events from HØLAND OG SETSKOG SPAREBANK
- Profit grew and capital strengthened, while housing and credit risks persisted.HSPG
Q4 2023 - Net loss driven by property loan losses, but strong capital and positive full-year outlook.HSPGQ2 2026
- Net profit declined, costs rose, but loan growth and capital ratios remain robust.HSPGQ1 2026
- Profit declined as non-performing loans surged, but capital and liquidity stayed strong.HSPGQ4 2025
- Q3 2025 net profit reached NOK 36.8 million, with robust loan and deposit growth and strong capital ratios.HSPGQ3 2025
- Net profit increased to NOK 30.5 million, with robust loan growth and strong capital ratios.HSPGQ2 2025
- Q3 2024 net profit NOK 38.6m, loan growth 4.3%, CET1 ratio 17.3%.HSPGQ3 2024
- Net profit declined on higher loan losses, but capital and liquidity positions remain robust.HSPGQ2 2024
- Q1 2025 saw stable profits, strong loan growth, and robust capital despite margin pressure.HSPGQ1 2025
Next HØLAND OG SETSKOG SPAREBANK earnings date
Q4 202612 Feb, 2027
HØLAND OG SETSKOG SPAREBANK
Next HØLAND OG SETSKOG SPAREBANK earnings date
Q4 202612 Feb, 2027
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Frequently asked questions
Høland og Setskog Sparebank is a Norwegian savings bank founded in 1849, catering primarily to the personal and corporate markets within Norway. The bank provides a wide array of financial services including savings and pension accounts, various loan options such as consumer, business, mortgage, car loans, and loans for motorbikes, ATVs, motorhomes, caravans, snowmobiles, and boats. Additionally, it offers refinancing, credit cards, mobile and online banking, bank guarantee, overdrafts, leasing, factoring and invoice sales, as well as insurance products. The company is headquartered in Bjørkelangen, Norway, and its shares are listed on the Oslo Stock Exchange.