)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
NIDAROS SPAREBANK (NISB) investor relations material
NIDAROS SPAREBANK Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Net profit after tax for Q2 2025 was NOK 18.6 million, down from NOK 20.1 million year-over-year.
Return on equity annualized at 6.79%, compared to 7.64% in Q2 2024.
Total assets under management reached NOK 4,973 million, a 2.7% increase from last year.
The bank remains part of the LOKALBANK alliance, now expanded to 16 banks.
Financial highlights
Net interest income for Q2 2025 was NOK 55.2 million, slightly up from NOK 54.8 million year-over-year.
Net interest margin was 2.28%, down from 2.43% in Q2 2024.
Operating expenses increased to NOK 43.4 million, with cost/income ratio at 64.2% (59.0% last year).
Net commission and other operating income was NOK 12.3 million, down from NOK 12.9 million.
Loan loss provisions totaled NOK 14.4 million, nearly unchanged year-over-year.
Outlook and guidance
Strong lending growth in both retail and corporate segments is expected to continue, with full-year targets of NOK 500 million growth in retail and NOK 250 million in corporate.
Lower construction activity has impacted earnings, but signs of recovery in the new-build market are emerging.
Interest rates on deposits and loans will be reduced from August 26, with a minor negative impact on earnings.
The bank is intensifying risk management due to global economic uncertainties.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next NIDAROS SPAREBANK earnings date
Q3 202512 Nov, 2025
Next NIDAROS SPAREBANK earnings date
Q3 202512 Nov, 2025
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
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Frequently asked questions
Nidaros Sparebank, operating under the ticker NISB.OL, is a regional bank based in Norway, focusing on providing a comprehensive suite of banking services. Established in 1858, the bank offers traditional banking products and services tailored for both private and corporate clients primarily in the Trondheim region. Its portfolio includes loans, savings, insurance, pension products, and payment services, with a special emphasis on mortgages, car and boat loans, bank and credit cards, and leasing, among other financial solutions. Additionally, Nidaros Sparebank embraces digital banking by offering mobile and online banking services to its customers, ensuring accessibility and convenience. The company is headquartered in Klæbu, 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