)
Visual24 Oct 2025
Meta's revenue development
Tysnes Sparebank (TYSB) investor relations material
Tysnes Sparebank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Aug, 2025
Executive summary
Result before losses and tax was NOK 23.9 million, down from last year due to reduced net interest income and a deliberate reduction in the loan portfolio to strengthen solidity.
Net loss after tax for the quarter was NOK -20.2 million, mainly due to NOK 53.5 million in credit losses related to merger preparations.
The merger with Haugesund Sparebank is approved and will be effective from September 1, 2025.
Financial highlights
Net interest margin at half-year was 2.22%, down from the previous year.
Net commission income increased by NOK 2.3 million year-over-year to NOK 8.8 million, driven by higher mortgage transfers to Eika Boligkreditt.
Total operating costs increased by NOK 4.4 million year-over-year, with a cost/income ratio of 57.2%.
Equity return after tax was -11.9% for the period.
Total assets at quarter-end were NOK 3,640 million.
Outlook and guidance
Underlying banking operations remain solid despite significant credit losses.
Loan growth is managed tightly in the corporate market to meet capital targets, while private market lending shows positive development.
The bank expects a positive development post-merger, with continued local presence and customer focus.
Explain the main drivers behind the negative equity return.
Assess the impact of CRR3 on capital adequacy.
Detail strategy for maintaining local presence post-merger.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Tysnes Sparebank earnings date
Q3 202514 Nov, 2025
Next Tysnes Sparebank 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
Tysnes Sparebank, established in 1863, is a savings bank offering a comprehensive range of banking products and services tailored to both private and business customers in Tysness and the surrounding areas. The bank's suite of services includes various payment solutions such as bank cards, credits, and both mobile and online banking facilities. It also provides a wide array of insurance solutions, encompassing coverage for children, auto, health, buildings, holiday homes, income, critical health, disability, and more. Furthermore, Tysnes Sparebank offers loans—ranging from car loans and mortgages to credit lines and small loans—alongside investment options like share savings accounts, bank savings, BSU, fund savings, IPS, and retirement savings and pension accounts for private customers. For business clients, the bank delivers payment and billing services, web and mobile banking services, financing services including bank guarantees, overdrafts, leasing, and corporate loans, as well as a variety of insurance products tailored to various industries including construction, property, trade and services, and agriculture. The company is headquartered in Tysnes, 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