)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Spar Nord Bank (SPNO) investor relations material
Spar Nord Bank 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
Profit after tax for H1 2025 was DKK 707 million, with ROE after tax of 10.0%.
Net interest income declined 13% year-over-year due to lower interest rates.
Costs rose 32% year-over-year, mainly from DKK 350 million in restructuring and Nykredit acquisition-related expenses.
Excluding Nykredit-related items, ROE after tax was 14.4% and cost/income ratio was 52.
Nykredit completed its acquisition, leading to delisting from Nasdaq Copenhagen by July 2025.
Financial highlights
Net interest income was DKK 1,564 million, down 13% year-over-year.
Net fee income increased 3% to DKK 804 million, supported by housing market activity.
Market value adjustments and dividends amounted to DKK 238 million.
Total costs reached DKK 1,820 million, a 32% increase year-over-year.
Lending and deposits grew 12% and 10% year-over-year, respectively; business volume increased 2% to DKK 380 billion.
Outlook and guidance
Full-year profit after tax is expected in the DKK 1.6–1.9 billion range.
Profit before impairment charges forecasted at the low end of DKK 2.2–2.6 billion due to restructuring provisions.
Persistently strong credit quality expected to keep impairment charges around DKK 0 million for 2025.
Net interest income expected to decline further from margin pressure and lower rates.
Net fee income anticipated to rise on higher asset management volumes and housing activity.
What drove the decline in net interest income?
How did Nykredit's acquisition affect capital?
What is the outlook for profit after tax?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
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
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
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.
Frequently asked questions
Spar Nord Bank A/S is a Denmark-based financial institution that provides a wide range of banking services to both retail customers and businesses. The bank offers various products, including loans, deposits, mortgages, life annuities, and guarantee services. In addition to standard banking, Spar Nord engages in asset management, foreign exchange services, and trading activities in shares and corporate bonds. The bank operates through its local branch network, serving small and medium-sized enterprises, high-net-worth individuals, and larger corporate clients. Its operations are divided into segments focused on local banking services and trading activities related to international markets. The company is headquartered in Aalborg, Denmark, and its shares are listed on the Nasdaq Copenhagen.
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