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Edge15 May 2026
TOMRA: Closing the Loop
The story of TOMRA: from reverse vending machine pioneer to global technology for deposit systems, recycling, and resource optimization.
Bien Sparebank
Bien Sparebank (BIEN) investor relations material
Bien Sparebank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary12 May, 2026
Executive summary
Delivered stable and robust results in Q1 2026, maintaining profitability despite increased investments in advisory capacity and technology to support future growth ambitions.
Net profit after tax was NOK 11.8 million, unchanged from Q1 2025, with higher net interest income offset by lower commission and other income.
Strategic focus on scalable growth in the Oslo market, leveraging Eika alliance for advanced technology and efficiency.
Financial highlights
Net profit after tax: NOK 11.8 million (unchanged year-over-year).
Net interest income: NOK 36.2 million, up NOK 1.4 million from Q1 2025.
Cost/income ratio: 56.9% (up from 54.0% in Q1 2025) due to planned investments.
Total lending (incl. EBK): NOK 7,399 million, up 13.9% year-over-year.
Deposit coverage: 79.63% (down from 82.71% in Q1 2025).
Liquidity Coverage Ratio (LCR): 169 (well above regulatory minimum).
Outlook and guidance
Continued focus on profitable growth in the Oslo region, with no need to expand beyond the core market.
Investments in advisory capacity and technology expected to yield positive effects in coming quarters.
Market conditions remain robust but are marked by international uncertainty and moderate housing price growth in Oslo.
Cost ratio improvement via advisory scaling
CRR3 risk-weighting impact on capital ratios
Insurance and AI role in revenue diversification
Partial view of Summaries dataset, powered by Quartr API
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Latest events from Bien Sparebank
- Net profit rose to NOK 65.2 million in 2025, with strong loan growth and high capital ratios.BIEN
Q4 202511 Feb 2026 - Q3 2024 saw strong loan growth, higher profits, and a robust capital position.BIENQ3 202422 Dec 2025
- Loan growth of 20.98% and net profit of NOK 35.5 million reflect strong performance.BIENQ2 202522 Dec 2025
- Loan growth and cost efficiency up, but profit and ROE down; strong capital base maintained.BIENQ1 202522 Dec 2025
- Profit after tax increased, loan growth accelerated, and capital ratios strengthened.BIENQ3 20255 Nov 2025
- Net income up, strong loan growth, and robust capital position support further expansion.BIENQ2 202413 Jun 2025
- Record profit and strong loan growth drive continued expansion and shareholder value.BIENQ4 20245 Jun 2025
Next Bien Sparebank earnings date
Q2 202611 Aug, 2026
Bien Sparebank
Next Bien Sparebank earnings date
Q2 202611 Aug, 2026
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