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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.
Romerike Sparebank
Romerike Sparebank (ROMER) investor relations material
Romerike Sparebank Q3 & CMD 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 & CMD 2026 earnings summary5 Nov, 2026
Executive summary
Q3 featured an announced merger plan with Skue Sparebank, continued strong lending growth, and conversion of part of foundation capital alongside establishment of a savings bank foundation.
YTD profit before tax was NOK 171.7m, down from NOK 221.2m; higher market rates, margin pressure, competition, and increased investment weighed on results.
Total business capital reached NOK 28.6bn, up 16.7% YoY; management described the bank as well capitalized with capacity for further growth.
Financial highlights
YTD net interest income was NOK 270.9m, NOK 13.9m below 2025; net commission income rose NOK 3.3m to NOK 54.1m.
YTD profit after tax was NOK 136.4m vs NOK 174.0m; total comprehensive income was NOK 186.3m vs NOK 204.6m.
Operating costs reached NOK 164.5m, up NOK 18.2m YoY; credit losses were a net cost of NOK 16.9m vs NOK 1.6m.
Eika Gruppen share revaluation added NOK 70.4m to unrealized gains in Q3; YTD fair-value movements through other comprehensive income were NOK 49.9m.
Q3 standalone profit before tax was NOK 46.3m and after-tax profit NOK 35.1m; total comprehensive income was NOK 104.6m.
Outlook and guidance
Net interest margin improved through the first three quarters; management expected further positive development in Q4 and aimed to gain market share despite lending competition.
Merger ambition is to combine greater scale and competitiveness with local decision-making, customer proximity, stronger expertise, and investment capacity for technology and digital services.
Continued growth is supported by capital headroom; management cited capacity to expand while meeting capital targets with a margin.
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Latest events from Romerike Sparebank
- Solid lending growth and robust capital, but profit pressured by higher costs and margin squeeze.ROMER
Q2 2026 - Strong lending growth and solid capital, but profit down on margin pressure and higher costs.ROMERQ1 2026
- Record profit, strong capital, and higher dividend per certificate marked the year.ROMERQ4 2025
- Profit, loan growth, and capital ratios improved; non-performing loans rose but are managed.ROMERQ3 2025
- Profitability and capital strength improved, supporting robust loan growth and regional expansion.ROMERQ2 2025
- Profit up, cost efficiency improved, and lending growth strong; CET1 at 18.7%, A- rating secured.ROMERQ3 2024
- Profit and loan growth accelerated in H1 2024, with strong capital and improved efficiency.ROMERQ2 2024
- Q1 2025 saw profit growth, strong lending, and solid capital, supporting further expansion.ROMERQ1 2025
- Profit and loan growth accelerated, with improved efficiency and high capital strength.ROMERQ4 2024
Next Romerike Sparebank earnings date
Q4 202612 Feb, 2027
Romerike Sparebank
Next Romerike Sparebank earnings date
Q4 202612 Feb, 2027
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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.