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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.
SKUE SPAREBANK
SKUE SPAREBANK (SKUE) investor relations material
SKUE 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 net profit was NOK 83.5m; 9M net profit was NOK 257.4m and profit before tax was NOK 321.7m, up 7.5% YoY.
9M total comprehensive income reached NOK 355.4m, including NOK 98.1m of YTD share-value gains in OCI, mainly from Eika Gruppen shares.
Lending growth continued, while an intent agreement for a possible Romerike Sparebank merger supports strategic expansion; comparisons are affected by the Tinn Sparebank merger completed in Nov. 2025.
Financial highlights
9M net interest income rose 17.1% YoY to NOK 473.7m; Q3 was NOK 165.3m, up 7% QoQ.
9M net commission income increased 16.8% YoY to NOK 88.2m; dividend income was NOK 51.4m versus NOK 41.6m.
9M operating expenses were NOK 261.5m versus NOK 204.7m; excluding NOK 16.2m of merger costs, the cost ratio was 39.9%.
YTD loan-loss expense was NOK 31.1m versus NOK 22.6m; individual impairments and realized losses contributed NOK 21.5m.
YTD financial-instrument valuation changes were negative NOK 1.2m versus positive NOK 3.0m; Q3 alone recorded a negative NOK 6.6m change.
Outlook and guidance
Strong lending growth in 2026 supports continued organic growth; market-area potential remains in regions with relatively low market shares.
September's intent agreement with Romerike Sparebank concerns a possible merger; integration costs are estimated at ~NOK 55m, with fully phased annual savings targeted at NOK 40–60m.
The proposed combination is positioned as a larger local and regional bank across Romerike, Buskerud and much of Telemark, focused on relationships and digital development.
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Latest events from SKUE SPAREBANK
- Strong growth in lending and deposits, with robust capital despite merger and higher loan losses.SKUE
Q2 2026 - Profit before tax increased 0.5% to NOK 92.3 million, with robust capital and stable loan growth.SKUEQ1 2026
- Loan and deposit growth, mergers, and Eika gains lifted profit and ROE; full profit payout proposed.SKUEQ4 2025
- Merger completed, strong retail lending, and new 75-100% dividend policy to drive growth.SKUEQ3 2025
- Profit up 41.8% year-over-year, with robust loan growth and strengthened capital ratios.SKUEQ2 2025
- Q3 profit surged 56% year-over-year, fueled by merger gains and strong lending growth.SKUEQ3 2024
- Solid profit growth, strong capital, and merger set to boost future prospects.SKUEQ2 2024
- Record profit and 100% dividend payout after merger, with strong growth outlook.SKUEQ4 2024
- Pre-tax profit up 26% on strong lending; merger with Tinn Sparebank to boost scale.SKUEQ1 2025
Next SKUE SPAREBANK earnings date
Q4 20268 Feb, 2027
SKUE SPAREBANK
Next SKUE SPAREBANK earnings date
Q4 20268 Feb, 2027
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Frequently asked questions
Skue Sparebank, formerly known as Nes Prestegjelds Sparebank until 2013, is a Norwegian financial institution offering a wide array of banking products and services catering to both individuals and businesses. Its services encompass operating, tax deduction, capital, client, deposit, and group accounts, alongside business, construction, consumer, car, and other vehicle loans. The bank also provides mortgage, bank guarantee, factoring, overdraft, and leasing services. In addition to these, Skue Sparebank offers insurance products for home and leisure, cars and other vehicles, animals, company and employees, and agriculture. Savings and pension products, as well as online and mobile banking, bank card, and payment services, form part of its comprehensive offerings. The bank was established in 1842, emphasizing its long-standing presence in the Norwegian banking sector. Skue Sparebank is headquartered in Geilo, Norway, and its shares are listed on the Oslo Stock Exchange.