)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
JÆREN SPAREBANK (JAREN) investor relations material
JÆREN SPAREBANK Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Achieved 11.1% loan growth and 9.8% deposit growth year-over-year as of Q2 2025.
Maintained stable net interest income and low loan losses, with continued market share gains in key regions.
Return on equity after tax was 19.6% in Q2 and 14.2% YTD, up from 16.4% and 13.0% last year.
Cost-to-income ratio improved to 29.5% in Q2 and 35.0% YTD, reflecting operational efficiency.
Dividend payout ratio for 2024 was 72%, exceeding the minimum target of 60%.
Financial highlights
Net interest income for Q2 was NOK 103.9 million and for H1 NOK 205.4 million, stable year-over-year.
Net profit after tax reached NOK 124.5 million in Q2 and NOK 275.1 million YTD.
Return on equity was 19.6% in Q2 and 14.2% YTD, up from 16.4% and 13.0% last year.
Cost-to-income ratio improved to 29.5% in Q2 and 35.0% YTD.
Loan losses remained minimal, with reversals in provisions and a problem loan ratio of 0.45%.
Outlook and guidance
Expectation of continued stable net interest and commission income in H2 2025.
Anticipate further reduction in policy rates in H2, which may impact margins.
Strategic focus on maintaining cost discipline, high capital ratios, and above-market growth in core regions.
The bank is well-positioned in terms of market, liquidity, and solidity, with a strong foundation for continued development.
EBK portfolio's margin stabilization?
Basel IV impact on core capital?
Rogaland's unemployment vs Jæren?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next JÆREN SPAREBANK earnings date
Q3 20256 Nov, 2025
Next JÆREN SPAREBANK earnings date
Q3 20256 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, 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
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Frequently asked questions
Jæren Sparebank, previously known as Klepp Sparebank, is a regional bank based in Norway, providing a comprehensive range of banking and financial services. The bank serves private individuals, agricultural customers, and small to medium-sized businesses through its branches in Klepp, Time, and Ha. Its services include savings accounts, loans (including vehicle loans, mortgages, and personal loans), refinancing services, and various insurance products such as car, personal, animal, health, home, private, business, employee, and agricultural insurance. Additionally, Jæren Sparebank offers online and mobile banking, payment solutions, digital identification, and asset management services. The bank's operations are categorized into two main segments: the Private Market and the Business Market, with a focus on providing tailored financial solutions to meet the needs of its diverse client base. The company is headquartered in Bryne, 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