)
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.
TOTENS SPAREBANK (TOTG) investor relations material
TOTENS SPAREBANK Q3 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2024 earnings summary31 Oct, 2024
Executive summary
Net profit for Q3 2024 was NOK 68 million, slightly down from NOK 70.5 million in Q3 2023; YTD profit at NOK 229.6 million versus NOK 231.8 million last year.
Return on equity YTD 2024 was 11.4%, down from 12.5% in the same period last year.
The merger with SpareBank 1 Østlandet is approved and will be effective from November 1, 2024, making this the last standalone report for Totens Sparebank.
Financial highlights
Net interest income in Q3 2024 was NOK 142.1 million, up from NOK 134.2 million in Q3 2023; YTD net interest income reached NOK 410.1 million, up from NOK 384.7 million.
Net commission and other operating income in Q3 2024 was NOK 20.8 million, stable year-over-year; YTD at NOK 87.7 million, down from NOK 94.7 million.
Operating expenses in Q3 2024 were NOK 55.7 million, up from NOK 49.3 million in Q3 2023; YTD expenses at NOK 167.7 million, up from NOK 155.2 million.
Loan losses in Q3 2024 were NOK 17.1 million, up from NOK 12.7 million in Q3 2023; YTD loan losses at NOK 32.6 million.
Net loans to customers increased by NOK 999 million (5.3%) over the last 12 months; deposit growth was 8.3% year-over-year.
Outlook and guidance
Norges Bank's policy rate remains at 4.50%, with stable net interest margins expected in the near term.
Low credit growth and strong competition may pressure margins going forward.
From November 2024, all future reports will be for the merged SpareBank 1 Østlandet.
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
Totens Sparebank is a Norwegian savings bank established in 1854. The bank primarily serves the region of Innlandet in Norway and offers a range of banking services including mortgages, savings, and loans for private customers and small to medium-sized enterprises. Additional services include online and mobile banking, card issuing, payment services, and insurance products. Totens Sparebank is also a significant owner of Eika Gruppen, a collaboration of independent local banks in Norway. The company is headquartered in Lena, 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