Føroya Banki Income Statement

Financials in millions DKK. Fiscal year is January - December.

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	511.98	588.14	482.45	308.82	287.98
Interest Income on Investments	52.64	52.41	44.49	6.48	3.43
Total Interest Income	564.61	640.56	526.94	315.29	291.41
Interest Paid on Deposits	155.43	186.31	101.36	34.48	19.4
Net Interest Income	409.18	454.25	425.58	280.81	272.01
Net Interest Income Growth (YoY)	-9.92%	6.74%	51.55%	3.23%	-3.37%
Gain (Loss) on Sale of Assets	3.67	0.64	0.12	0.03	0.19
Gain (Loss) on Sale of Investments	24.68	43.11	52.78	-65.57	-6.93
Other Non-Interest Income	175.21	137.79	138.62	169.65	135.4
Total Non-Interest Income	203.56	181.54	191.52	104.11	128.66
Non-Interest Income Growth (YoY)	12.13%	-5.21%	83.96%	-19.08%	35.20%
Revenues Before Loan Losses	612.74	635.79	617.09	384.92	400.67
Provision for Loan Losses	-3.98	-1.07	-10.04	-46.63	-76.56
Revenue	616.72	636.86	627.14	431.54	477.23
Revenue Growth (YoY)	-3.16%	1.55%	45.32%	-9.57%	25.05%
Occupancy Expenses	8.67	9.09	7.43	3.45	6.5
Selling, General & Administrative	256.53	248.37	243.67	225.64	232.57
Other Non-Interest Expense	0.04	1.53	1.81	1.26	0.98
Total Non-Interest Expense	260.85	254.38	247.81	224.97	238.92
EBT Excluding Unusual Items	355.88	382.48	379.33	206.58	238.3
Pretax Income	355.88	382.48	379.33	206.58	238.3
Income Tax Expense	67.56	72.05	71.8	42.17	44.95
Earnings From Continuing Operations	288.32	310.43	307.53	164.41	193.36
Earnings From Discontinued Operations	-	-	-	-	78.98
Net Income	288.32	310.43	307.53	164.41	272.34
Net Income to Common	288.32	310.43	307.53	164.41	272.34
Net Income Growth	-7.12%	0.94%	87.06%	-39.63%	63.88%
Basic Shares Outstanding	10	10	10	10	10
Diluted Shares Outstanding	10	10	10	10	10
Shares Change (YoY)	-	-	-	0.03%	0.26%
EPS (Basic)	30.11	32.42	32.12	17.17	28.45
EPS (Diluted)	30.11	32.42	32.12	17.17	28.45
EPS Growth	-7.11%	0.93%	87.07%	-39.65%	63.43%
Dividend Per Share	21.040	36.500	8.330	26.040	40.200
Dividend Growth	-42.36%	338.17%	-68.01%	-35.22%	704.00%
Effective Tax Rate	18.98%	18.84%	18.93%	20.41%	18.86%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.