)
Visual
test
SOGN SPAREBANK
SOGN SPAREBANK (SOGN) investor relations material
SOGN SPAREBANK Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Achieved higher income in Q3 2025 compared to the previous year, with main income from net interest margin. IFRS and IAS 34 standards applied in reporting.
Result before losses reached NOK 112.1 million, up NOK 4.4 million year-over-year.
Net reversals on loan losses of NOK 1.7 million, indicating improved credit quality.
Return on equity after tax at 9.73% as of 30.09.2025.
Total comprehensive income increased by NOK 37.1 million year-over-year, mainly due to value changes in financial assets.
Financial highlights
Net interest income: NOK 140.3 million (2.26% of avg. assets), up slightly from NOK 139.5 million (2.35%) last year.
Net other operating income: NOK 23.1 million (0.37% of avg. assets), up from NOK 20.5 million (0.35%).
Net return on financial investments: NOK 29.9 million, up from NOK 22.9 million.
Operating expenses: NOK 81.2 million (1.31% of avg. assets), up from NOK 75.3 million (1.27%).
Profit after tax: NOK 88.8 million (1.43% of avg. assets), up from NOK 81.3 million (1.37%).
Total assets: NOK 8,292.7 million, up 1.57% year-over-year.
Outlook and guidance
Expectation of continued solid results and focus on being a strong local partner.
Norges Bank reduced policy rate to 4.00% in September 2025, with a slower expected decline in 2026.
Uncertainty remains regarding global economic developments and interest rate trajectory.
Lower interest margins anticipated if rates fall further.
Explain parent bank capital adequacy jump
Reconcile impairment reversal with increased defaults
Impact of slower rate decline on net interest margin?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebPROV
Q2 FY2026 net income rose 65% year-over-year, with higher margins and strong credit quality. - 6 FebNVDA
AI-driven digital twins and accelerated computing are set to revolutionize industrial design and manufacturing. - 6 FebCDP
2025 FFO/share rose 5.8% to $2.72, with strong leasing and investment; 2026 guidance signals more growth. - 6 FebPECO
2026 FFO per share growth guided at 5.5% with record occupancy and robust acquisitions. - 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
- 6 FebEMBASSY
Record revenue, NOI, and distributions highlight strong growth and robust segment performance. - 6 FebCRIRevenue fell and losses deepened, but ESA contracts and R&D projects drive future prospects.
- 6 FebTUPRS
Net income reached TRY 29.5 billion, with strong dividends and a robust net cash position.
Next SOGN SPAREBANK earnings date
Q4 202512 Feb, 2026
SOGN SPAREBANK
Next SOGN SPAREBANK earnings date
Q4 202512 Feb, 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
)
)
Frequently asked questions
Sogn Sparebank is a regional savings bank based in Norway, serving primarily private households and small to medium-sized enterprises. The bank provides a comprehensive range of financial products and services, including savings accounts, checking accounts, payment mediation services, credit cards, mortgages, personal loans, life assurance, asset insurance, leasing, investment trusts, and digital banking solutions through both online and mobile platforms. The company is headquartered in Årdalstangen, 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