)
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.
KRAFT BANK (KRAB) investor relations material
KRAFT BANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Focuses on refinancing for customers with financial challenges, aiming to improve their financial situation and help them return to mainstream banking.
Unique in Norway for exclusively serving this segment, emphasizing social responsibility and preventing forced home sales.
Since 2018, 2,411 customers have been rehabilitated, with 167 in the last quarter.
Net profit after tax reached NOK 16.1 million, up from NOK 10.2 million in Q3 2024, marking a 65% increase year-to-date over the full year 2024.
Return on equity after tax was 13.5%, compared to 9.2% in the same quarter last year.
Financial highlights
Net profit after tax reached 16.1 MNOK, up from 10.2 MNOK in the same period 2024.
Net interest income rose to NOK 50.7 million from NOK 35.4 million year-over-year.
Book equity per share at quarter-end was NOK 11.60.
Cost-to-income ratio improved to 45% from 57% in Q3 2024.
Earnings per share for the quarter were NOK 0.38, up from NOK 0.24 in Q3 2024.
Outlook and guidance
Expects loan portfolio at year-end 2025 to be in the NOK 3.7–3.8 billion range.
Expectation for new loan sales in 2025 is NOK 1,800 million, above the initial target.
Maintains target of 15% return on equity, expected to be reached during 2025.
Anticipates normal cost development in line with inflation and wage growth.
No changes anticipated in capital and buffer requirements for 2025.
What drives higher loan redemptions?
Deposit outflow: future rate strategy?
What caused higher individual impairments?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next KRAFT BANK earnings date
Q4 20257 Feb, 2026
Next KRAFT BANK earnings date
Q4 20257 Feb, 2026
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
)
)
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.
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