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Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
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.
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Latest events from MELHUS SPAREBANK
- Net profit, lending, and capital ratios improved, with strong growth and stable risk.MELG
Q3 202513 Nov 2025 - Net profit rose 13% to NOK 76.6m, with ROE at 10.51% and strong lending growth.MELGQ2 202514 Aug 2025
- Net profit reached NOK 96.8 million, with strong capital and stable margins despite higher costs.MELGQ3 202413 Jun 2025
- Underlying profit improved, capital ratios strong, and lending momentum is recovering.MELGQ2 202413 Jun 2025
- Net profit rose to NOK 28.5m and CET1 ratio reached 17.98% in Q1 2025.MELGQ1 20255 Jun 2025
- Q4 2024 net income up to NOK 139.5m, with robust capital and positive 2025 outlook.MELGQ4 20245 Jun 2025
Next MELHUS SPAREBANK earnings date
Q1 202612 May, 2026
MELHUS SPAREBANK
Next MELHUS SPAREBANK earnings date
Q1 202612 May, 2026
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