)
Visual24 Oct 2025
The rise of Alphabet
Romerike Sparebank (ROMER) investor relations material
Romerike Sparebank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Pre-tax profit reached 154.3 MNOK for H1 2025, up from 138.5 MNOK year-over-year, driven by lower loan loss provisions and higher commission income.
Net profit after tax was 123.4 MNOK, with annualized ROE at 10.9%, adjusted for hybrid capital.
Strong lending growth to retail customers, surpassing 20 BNOK in total loans.
Cost/income ratio improved to 40.4% over the last 12 months, down from 43.2% a year ago.
New CRR3 standard method has strengthened capital adequacy and growth capacity.
Financial highlights
Net interest income for H1 2025 was 188.5 MNOK, slightly down from 193.5 MNOK year-over-year due to higher funding costs and lower lending margins.
Net commission and other operating income increased by 20.9 MNOK, mainly from higher dividends and positive financial instrument revaluations.
Operating expenses rose to 95.9 MNOK from 89.8 MNOK, mainly due to increased staffing.
Loan loss provisions dropped to 3.1 MNOK from 9.1 MNOK year-over-year.
Total assets reached 18.9 BNOK, up 2.0 BNOK over 12 months.
Outlook and guidance
Well-capitalized for further organic growth, with focus on expanding in the Romerike region.
New offices in Lørenskog and planned branch in Jessheim to enhance regional presence.
Continued emphasis on digitalization and operational efficiency to boost competitiveness.
Norges Bank reduced policy rate to 4.25% in June, with expectations for further cuts if economic conditions allow.
Assess impact of CRR3 on capital requirements.
Explain the increase in misligholdte engasjementer.
Detail strategy for increased market share in 2025.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Romerike Sparebank earnings date
Q3 202513 Nov, 2025
Next Romerike Sparebank earnings date
Q3 202513 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
)
)
Frequently asked questions
Romerike Sparebank is an independent savings bank based in Norway, primarily serving the Romerike region. The bank is engaged in providing a broad spectrum of banking services, catering to both personal and business customers. It offers a variety of financial products and services including online and mobile banking, card issuance, payment services, mortgages, different types of loans, savings and retirement accounts, property and health insurance, and real estate credit among others. Romerike Sparebank emphasizes its commitment to offering financial services and professional advice with local roots, aiming to be a solid supporter for its customers through their economic decisions, whether for individual or business purposes.The company is headquartered in Lillestrøm, 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