)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
SpareBank 1 Sør-Norge (SB1NO) investor relations material
SpareBank 1 Sør-Norge Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved a return on equity after tax of 13.1% (14.7% excluding special items) as of September 30, 2025, with strong underlying operations and successful merger integration.
Technical merger completed in September, migrating 335,000 customers to a unified platform, enhancing efficiency and scalability.
Pre-tax profit for Q3 2025 was NOK 6,356 million, with net interest income of NOK 2,328 million and net commission/other income of NOK 778 million.
Cost/income ratio at 37.0%, with cost control maintained despite merger-related expenses.
Synergy effects from the merger are expected to reach NOK 450 million annually from 2027.
Financial highlights
Net interest income was NOK 2,328 million, and net commission/other income was NOK 778 million in Q3 2025.
Earnings per share for Q3 2025 was NOK 4.4, with a book value per share of NOK 133.34.
Dividend per share for 2025 is NOK 8.50.
Loan loss provisions were 0.12% of gross loans, with NOK 115 million in write-downs.
Gross loans to customers were NOK 393,747 million, with customer deposits at NOK 223,294 million.
Outlook and guidance
Strong position in Southern Norway with growth opportunities and robust credit quality.
Uncertainty remains due to global trade policy and geopolitical tensions.
Norges Bank has reduced the policy rate, with further cuts expected by 2028.
The group targets return on equity above 14% and cost/income ratio below 40%.
The board expects profitable growth and strong capital distribution.
Increased synergy estimate: What drives this?
Impact of reduced CET1 requirement?
How do scenario changes affect ECL?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next SpareBank 1 Sør-Norge earnings date
Q4 202512 Feb, 2026
Next SpareBank 1 Sør-Norge earnings date
Q4 202512 Feb, 2026
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
SpareBank 1 SR-Bank ASA, a retail bank, provides a range of services to private individuals, enterprises, and the local community. The company offers account and payment services; lending and mortgage services; securities services; telephone banking and online banking products; savings, investment portfolio management, and insurance products; trading on the financial markets; travel insurance and assistance, and other products for travelers; currency services; corporate finance advisory, leasing, factoring, and supplier credit insurance services; payments. Factoring Receivables integration solutions to suppliers of office equipment and supplies; pension products for companies; cash handling systems installation services as well as secure cash deposits through agencies/branches or locksmiths. SpareBank 1 SR-Bank ASA was founded in 1839 and is headquartered in Stavanger, Norway.
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