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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.
KRAFT BANK
KRAFT BANK (KRAB) investor relations material
KRAFT BANK Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary27 Oct, 2026
Executive summary
Q3 after-tax profit was NOK 16.1m, unchanged YoY; Jan–Sep profit rose to NOK 48.2m from NOK 45.4m.
Q3 net loan growth was negative NOK 103m as sales fell short and redemptions exceeded expectations; 12-month growth was NOK 84m, or 2.3%.
Q3 after-tax ROE was 12.7%; management targets a recurring 15%, with credit-loss provisions a key determinant.
Financial highlights
Q3 pretax result was NOK 21.4m vs. NOK 21.5m YoY; net income was NOK 16.1m in both periods.
Jan–Sep pretax result was NOK 64.3m vs. NOK 60.5m; net income was NOK 48.2m vs. NOK 45.4m.
Q3 total income was NOK 58.1m vs. NOK 56.7m; net interest income was NOK 40.4m vs. NOK 42.5m, and fair-value gains were NOK 13.3m vs. NOK 10.7m.
Q3 operating costs were NOK 28.2m vs. NOK 25.5m; cost-to-income ratio was 49% vs. 45%, down from 54% in Q2.
Quarter-end total assets were NOK 5.08bn, customer loans NOK 3.74bn and deposits NOK 4.49bn.
Outlook and guidance
FY2026 new loan sales are forecast at NOK 1.9bn; year-end loan volume is expected at NOK 3.9bn, with moderate net growth expected.
The Q3 loan-growth shortfall is expected to be recovered in the coming quarter; outcomes depend on repayments and redemptions.
Recurring after-tax ROE is targeted at 15%; stabilizing or declining credit-loss provisions are considered important to achieving it.
Operating costs are expected to develop normally vs. 2025; systems investment is expected to continue at a similar pace, with three-year depreciation.
Capital and buffer requirements are expected to remain unchanged; flat or moderate near-term loan growth is acceptable.
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Latest events from KRAFT BANK
- Net profit dropped to NOK 13.4m, but loan growth and capital adequacy remained strong.KRAB
Q2 2026 - Net profit surged 47% year-over-year, with improved margins and strong capital ratios.KRABQ1 2026
- Net profit more than doubled, return on equity at 15.7%, and capital adequacy at 26.6%.KRABQ4 2025
- Net profit up 58% YoY to NOK 16.1m, with strong capital and improved efficiency.KRABQ3 2025
- Net profit rose to 16.6 MNOK, return on equity hit 14.1%, and capital ratios strengthened.KRABQ2 2025
- Q3 net profit was NOK 10.2 million, with 13% loan growth and 9.2% ROE.KRABQ3 2024
- Q2 profit fell on higher loan losses, but loan growth and capital strength remain solid.KRABQ2 2024
- Net profit tripled year-over-year and return on equity improved to 11.1%.KRABQ1 2025
- Q4 2024 net profit reached NOK 10.6m, with strong growth and robust capital ratios.KRABQ4 2024
Next KRAFT BANK earnings date
Q4 20265 Feb, 2027
KRAFT BANK
Next KRAFT BANK earnings date
Q4 20265 Feb, 2027
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Frequently asked questions
Kraft Bank ASA is an independent bank based in Norway, recognized for its straightforward approach to banking services. The bank specializes in providing simple yet effective lending and deposit products, complemented by advisory services and customer assistance. Its offerings include accounts checking, savings deposits, money market accounts, mortgage and term loans, as well as card facilities and Internet banking. In addition, Kraft Bank focuses on consumer financing and housing loan services. The company is headquartered in Sandnes, Norway, and its shares are listed on the Oslo Stock Exchange.