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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.
Sparebank 68 Grader Nord
Sparebank 68 Grader Nord (SB68) investor relations material
Sparebank 68 Grader Nord Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary13 Nov, 2026
Executive summary
Q3 YTD pretax profit was NOK 169.6m vs NOK 144.6m; after-tax ordinary profit was NOK 127.2m vs NOK 108.4m, with annualized ROE of 10.2% vs 9.1%.
Results benefited from NOK 24.5m net impairment reversals and higher financial instrument gains; higher operating costs, largely tied to the planned core banking system conversion, offset some gains.
Financial highlights
YTD net interest and credit commission income was NOK 229.3m vs NOK 228.7m; equivalent to 2.31% vs 2.44% of average total assets.
Net other operating income rose to NOK 53.4m from NOK 40.1m, mainly due to fair-value changes in securities.
Operating costs increased to NOK 137.5m from NOK 116.8m; Q3 YTD ordinary profit after tax was NOK 127.2m vs NOK 108.4m, and total comprehensive result was NOK 129.2m vs NOK 111.6m.
Earnings per equity certificate were NOK 14.01 vs NOK 12.63 for the nine months ended 30 September.
Outlook and guidance
Board sees a sound core business, good liquidity and solid capital as a basis for profitable growth in personal and business markets.
Core banking provider conversion is expected to strengthen efficiency, customer experience and digital competitiveness over time, after temporary costs during the transition.
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Latest events from Sparebank 68 Grader Nord
- Profit after tax increased 22% year-over-year, with strong loan growth and robust capital ratios.SB68
Q2 2026 - Q1 2026 net profit up 42%, ROE at 9.5%, CET1 ratio 22.0%, and loan growth 7.1%.SB68Q1 2026
- Net profit reached NOK 137.9 million in 2025, with robust growth in lending and deposits.SB68Q4 2025
- Net profit, return on equity, and capital ratios improved, with lower loan losses year-over-year.SB68Q3 2025
- Q2 2025 saw higher net profit, robust capital, and stable loan growth amid economic uncertainty.SB68Q2 2025
- Slight profit growth and strong capital base offset by higher costs and credit risk.SB68Q3 2024
- Q2 2024 saw stable profits, higher net interest income, and increased credit risk amid macro uncertainty.SB68Q2 2024
- Net profit rose 10.5% to NOK 141.1m, with strong capital and liquidity maintained.SB68Q4 2024
- Profit fell but balance sheet and capital buffers remain robust amid sector uncertainty.SB68Q1 2025
Next Sparebank 68 Grader Nord earnings date
Q4 202612 Mar, 2027
Sparebank 68 Grader Nord
Next Sparebank 68 Grader Nord earnings date
Q4 202612 Mar, 2027
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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.