)
Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
SPAREBANK 1 NORDMØRE
SPAREBANK 1 NORDMØRE (SNOR) investor relations material
SPAREBANK 1 NORDMØRE CMD 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2026 summary18 Feb, 2026
Strategic direction and regional positioning
Focus on strengthening regional presence through sponsorships, innovation events, and community engagement, including a major three-year sponsorship with Kristiansund Ballklubb and support for local cultural initiatives.
Continued commitment to local and regional development, leveraging a 190-year legacy and a customer base of 70,000 across 13 offices.
Financial performance and growth
Achieved a solid annual result for 2025, with pre-tax profit of NOK 626 million, up from NOK 598 million in 2024.
Maintained strong lending growth, with total loans increasing by 5.4% over the last 12 months and an average annual growth of 6.7% from 2021 to 2025.
Deposit growth reached 7.2% in 2025, reflecting successful efforts in both personal and business markets.
Cost/income ratio for the parent bank at 39.9%, slightly higher than the previous year.
Risk, capital, and funding
Significant reduction in loan losses, with write-downs at 0.08% of gross loans, down from 0.23% the previous year.
CET1 capital ratio at 17.42%, exceeding the board's target of 16.74% and the regulatory requirement of 15.24%.
Maintained a diversified loan portfolio, with 74% in personal market and 26% in business market, and stable sector distribution.
Senior funding has an average weighted maturity of 3.7 years, with NOK 6.1 billion in senior bonds and NOK 537 million in subordinated loans.
What is the 2026 cost/income ratio outlook?
Assess concentration risk in business loans
Funding strategy given lower 2026 margins
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next SPAREBANK 1 NORDMØRE earnings date
Q1 202629 Apr, 2026
SPAREBANK 1 NORDMØRE
Next SPAREBANK 1 NORDMØRE earnings date
Q1 202629 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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
SpareBank 1 Nordmøre is a comprehensive provider of financial products and services in Norway, catering to both personal and corporate markets. Established in 1835, the bank offers a wide array of services including financing, leasing, savings and investment, insurance, payment processing, estate agency, and accounting services. Its personal market services encompass share savings accounts, mortgages, bank cards, loans for electric cars, and car insurance. For the corporate market, it provides operating accounts, operating credit for agriculture, the Vipps app, leasing, eInvoice, and AvtaleGiro for automated invoice sending to customers. The bank also offers business and personal insurance products, pension products, bank cards, payment and debt collection services, mobile and online banking services, bank guarantees, factoring and leasing products and services, savings and deposit accounts, refinancing, and mortgage services. The company is headquartered in Kristiansund, 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