)
Visual24 Oct 2025
The rise of Alphabet
Sparebank 68 Grader Nord (SB68) investor relations material
Sparebank 68 Grader Nord Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Net profit after tax for Q2 2025 was NOK 71.8 million, up from NOK 66.7 million in Q2 2024, with annualized return on equity at 9.2% versus 9.0% last year.
Total assets reached NOK 12.6 billion, a 5.3% increase year-over-year; business volume including brokered loans was NOK 13.9 billion.
Twelve-month loan growth, including brokered loans, was 6.3%, and deposit growth was 5.75%.
The bank reported lower loan losses and higher operating costs, mainly due to changes in profit-sharing expense recognition.
The bank remains well-capitalized and considers its core operations robust amid economic uncertainty.
Financial highlights
Profit before tax for Q2 2025 was NOK 95.9 million, up from NOK 90.9 million in Q2 2024.
Net interest income was NOK 149.3 million (2.43% of average assets), nearly flat year-over-year.
Net commission and other operating income totaled NOK 23.4 million, slightly down from NOK 23.7 million last year.
Operating expenses increased to NOK 77.4 million from NOK 72.3 million, mainly due to higher personnel costs.
Net loan loss provisions were a positive NOK 0.5 million, compared to a NOK 9.2 million expense last year.
Outlook and guidance
The bank expects further interest rate cuts in 2025, following a 0.25 percentage point reduction in June.
Customers have adapted to higher rates, with fewer seeking payment holidays or entering default.
The board views the bank as well-prepared for future challenges, with strong liquidity and capital buffers.
Uncertainty remains highest in commercial real estate, construction, and property development sectors.
Explain the CRR3 impact on capital ratios.
Detail the specific exposures in real estate.
Assess the impact of toll threats on the bank.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Sparebank 68 Grader Nord earnings date
Q3 202514 Nov, 2025
Next Sparebank 68 Grader Nord earnings date
Q3 202514 Nov, 2025
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 68 Grader Nord is a regional savings bank providing financial services to individuals, businesses, and organizations. The bank offers a range of products, including personal and corporate banking, mortgages, loans, savings accounts, insurance, and investment services. It focuses on supporting local communities and fostering economic growth within its operating region in Norway. The bank is headquartered in Harstad, Norway, and its shares are listed on the Euronext Oslo.
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