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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.
JÆREN SPAREBANK
JÆREN SPAREBANK (JAREN) investor relations material
JÆREN SPAREBANK Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Q3 pretax profit was NOK 74.4m vs NOK 78.5m YoY; 9M pretax profit was NOK 249.8m vs NOK 278.5m, reflecting lower commissions and investment income and higher costs.
Lending including Eika Boligkreditt (EBK) grew 11.6% YoY and deposits rose 6.9%; problem loans were 0.32% of gross loans including EBK.
Core operations were relatively stable; payment services, insurance and savings income improved, while lower lending and EBK margins pressured net interest and commission income.
Financial highlights
Q3 net interest income was NOK 107.8m vs NOK 102.7m; Q3 net commissions were NOK 27.2m vs NOK 29.1m.
9M net interest income was NOK 301.9m vs NOK 308.2m; net commission income was NOK 81.5m vs NOK 86.5m, including EBK commissions of NOK 21.8m vs NOK 35.7m.
9M financial investment income was NOK 40.6m vs NOK 46.2m, mainly due to lower Eika Gruppen dividends and securities returns.
9M operating expenses rose 6.7% to NOK 177.2m from NOK 166.0m; Q3 expenses were NOK 60.8m vs NOK 58.7m.
9M net loan-loss reversals were NOK 2.5m vs NOK 3.2m; Q3 reversals were NOK 0.6m vs NOK 2.6m.
Outlook and guidance
2026–2028 targets include after-tax ROE of at least 11%, cost-to-income below 40%, consolidated CET1 of at least 16% and loan growth above 7%.
Norges Bank's latest rate path indicated further increases; the policy rate reached 4.50% in Q3, and September's 25 bps increase was expected to flow fully into customer rates from early December.
Growth is supported by market position, liquidity and capital, while elevated prices and rates and geopolitical instability remain challenges for households and businesses.
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Latest events from JÆREN SPAREBANK
- Q3 earnings fell YoY as lending expanded and a hypothetical issue lifted estimated CET1.JAREN
Investor presentation - Loan and deposit growth outpaced the market, but profits and margins declined year-over-year.JARENQ2 2026
- Lending and deposit growth outpaced the market, but profit declined on margin pressure.JARENQ1 2026
- Net profit, lending, and capital ratios improved, with a 64% dividend payout and low loan losses.JARENQ4 2025
- Solid growth, high profitability, and strong capital position with low credit risk.JARENQ3 2025
- Loan growth of 11.1% and ROE of 14.2% YTD highlight strong performance.JARENQ2 2025
- Lending and deposit growth, higher margins, and low risk drive strong Q3 results.JARENQ3 2024
- Loan and deposit growth, margin gains, and strong capital drove profit and ROE higher.JARENQ2 2024
- Net profit up 15% to MNOK 275.1, with strong growth and high capital ratios.JARENQ4 2024
Next JÆREN SPAREBANK earnings date
Q4 202611 Feb, 2027
JÆREN SPAREBANK
Next JÆREN SPAREBANK earnings date
Q4 202611 Feb, 2027
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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.