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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.
MELHUS SPAREBANK
MELHUS SPAREBANK (MELG) investor relations material
MELHUS SPAREBANK Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary13 Aug, 2026
Executive summary
Result after tax for Q2 2026 was 68.1 MNOK, down from 76.6 MNOK in Q2 2025, mainly due to lower net interest income and reduced commission from Eika Boligkreditt.
Strong loan growth in the retail segment (8.5% YoY), while corporate lending declined slightly.
Deposit growth was robust at 8.17% YoY, with a deposit coverage ratio of 85.34%.
Financial highlights
Net interest income for Q2 2026 was 117.7 MNOK, down from 127.8 MNOK in Q2 2025; net interest margin fell to 1.93% from 2.25%.
Total operating income (excluding securities) was 51.8 MNOK, nearly unchanged YoY.
Operating expenses increased to 82.6 MNOK from 77.6 MNOK YoY; cost/income ratio rose to 48.8% from 43.1%.
Loan losses and impairments were 1.4 MNOK, down from 6.4 MNOK YoY.
Earnings per equity certificate (EKB) for Q2 2026 was 6.69 NOK.
Outlook and guidance
Long-term targets remain: ROE above 10%, credit growth between 6–8%, and cost/income ratio below 45%.
ROE and cost ratio are under pressure due to competition and margin compression.
The bank expects continued solid growth and profitability, supported by a robust local economy.
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Latest events from MELHUS SPAREBANK
- Q1 2026 net profit fell to 27.1 MNOK, with CET1 ratio up to 21.42% and loan growth at 6.66%.MELG
Q1 2026 - Solid lending and deposit growth, stable profit, and strong capital ratios for 2025.MELGQ4 2025
- Net profit, lending, and capital ratios improved, with strong growth and stable risk.MELGQ3 2025
- Net profit rose 13% to NOK 76.6m, with ROE at 10.51% and strong lending growth.MELGQ2 2025
- Net profit reached NOK 96.8 million, with strong capital and stable margins despite higher costs.MELGQ3 2024
- Underlying profit improved, capital ratios strong, and lending momentum is recovering.MELGQ2 2024
- Net profit rose to NOK 28.5m and CET1 ratio reached 17.98% in Q1 2025.MELGQ1 2025
- Q4 2024 net income up to NOK 139.5m, with robust capital and positive 2025 outlook.MELGQ4 2024
Next MELHUS SPAREBANK earnings date
Q3 202612 Nov, 2026
MELHUS SPAREBANK
Next MELHUS SPAREBANK earnings date
Q3 202612 Nov, 2026
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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.