)
Visual
earnings real time
AURSKOG SPAREBANK (AURG) investor relations material
AURSKOG SPAREBANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Net income after tax reached NOK 187.9 million, up 5.4% year-over-year, with a solid third quarter result of NOK 57.7 million compared to NOK 55.4 million last year.
Total operating income increased by 6% year-over-year, driven by growth and higher returns from low-risk fixed income funds and increased dividends from Eika Gruppen.
Operating expenses rose 15% year-over-year, mainly due to increased headcount and more branches, with a cost/income ratio of 35.0% (33.0% last year).
The bank remains well-capitalized, benefiting from a new standard method and lower Pillar 2 requirements.
Financial highlights
Net interest income for the first nine months was NOK 273.4 million (1.86% of avg. assets), down from NOK 282.0 million (2.11%) last year.
Net commission income rose to NOK 55.2 million from NOK 44.5 million year-over-year.
Dividend and securities income increased to NOK 54.0 million from NOK 34.6 million year-over-year.
Total operating income reached NOK 382.6 million, up from NOK 361.2 million year-over-year.
Earnings per equity certificate (EPS) was NOK 14.04, up from NOK 13.90 year-over-year.
Outlook and guidance
The bank enters Q4 with strong operations and a solid financial position, expecting continued good demand for its services.
Interest rate cuts by Norges Bank in September will be fully reflected in customer rates from late November.
The bank plans to continue investing in digital solutions and advisory capacity.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next AURSKOG SPAREBANK earnings date
Q4 202526 Mar, 2026
Next AURSKOG SPAREBANK earnings date
Q4 202526 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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
)
)
Frequently asked questions
Aurskog Sparebank, established in 1846, is a regional bank based in Norway that provides a wide range of financial products and services to both individual and corporate customers. The bank's offerings include savings accounts, various types of loans such as mortgage, car, construction, and green business loans, along with bank guarantees, overdrafts, and leasing services. Aurskog Sparebank also provides credit cards and a variety of insurance products, including liability, work machine, data attack, and property damage insurance, among others. In addition to these services, the bank offers pension planning, foreign payment services, and digital banking solutions through mobile and online platforms. The company is headquartered in Aurskog, 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