)
Edge6 Mar 2026
Upvoted: The Story of Reddit
How Reddit built a unique platform around communities and conversation, turning human insight and intent into a distinctive business model.
MELHUS SPAREBANK
MELHUS SPAREBANK (MELG) investor relations material
MELHUS SPAREBANK Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Result after tax for 2025 was 140.1 MNOK, up from 139.5 MNOK in 2024; Q4 isolated result was 35.1 MNOK, down from 42.7 MNOK in Q4 2024.
Growth in lending and higher commission income offset by lower net interest due to two rate cuts in 2025.
Cost increases driven by wage growth and new hires; cost/income ratio at 45.4% for Q4 2025.
Dividend proposed at 13.5 NOK per equity certificate, totaling 37.5 MNOK.
Financial highlights
Net interest income for 2025 was 251.4 MNOK, down from 259.6 MNOK in 2024.
Other operating income rose to 97.7 MNOK from 84.6 MNOK year-over-year.
Lending growth including EBK was 6.79% over 12 months; customer deposits grew 7.35%.
Return on equity after tax was 9.29% for 2025, compared to 9.83% in 2024.
Cost/income ratio increased to 45.4% from 43.2% in Q4 2024.
Outlook and guidance
Long-term financial targets: return on equity above 10%, credit growth 6–8%, cost/income below 45%.
Bank is well positioned for continued profitable growth and solid liquidity.
Regional economic outlook remains positive despite international uncertainty.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Next MELHUS SPAREBANK earnings date
Q1 202612 May, 2026
MELHUS SPAREBANK
Next MELHUS SPAREBANK earnings date
Q1 202612 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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
Melhus Sparebank is a Norwegian savings bank with its primary market in Sør-Trøndelag. Melhus Sparebank offers a wide range of financial products and services, including banking for companies, agricultural customers, and private individuals. These services encompass savings accounts, construction and business loans, mortgages, car loans, bank guarantees, overdrafts, leasing services, as well as credit and bank cards. Additionally, the bank provides insurance products covering various needs, savings and pension products, payment services, and online and mobile banking solutions. With a focus on the finance sector and regional banking, Melhus Sparebank serves a critical role in its local community by supporting personal and business financial needs. The company is headquartered in Melhus, 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