Føroya Banki Income Statement

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	494.74	511.98	588.14	482.45	308.82	287.98
Interest Income on Investments	60.02	52.64	52.41	44.49	6.48	3.43
Total Interest Income	554.76	564.61	640.56	526.94	315.29	291.41
Interest Paid on Deposits	147.18	155.43	186.31	101.36	34.48	19.4
Net Interest Income	407.58	409.18	454.25	425.58	280.81	272.01
Net Interest Income Growth (YoY)	-7.17%	-9.92%	6.74%	51.55%	3.23%	-3.37%
Gain (Loss) on Sale of Assets	3.67	3.67	0.64	0.12	0.03	0.19
Gain (Loss) on Sale of Investments	24.68	24.68	43.11	52.78	-65.57	-6.93
Other Non-Interest Income	168.34	175.21	137.79	138.62	169.65	135.4
Total Non-Interest Income	196.7	203.56	181.54	191.52	104.11	128.66
Non-Interest Income Growth (YoY)	4.01%	12.13%	-5.21%	83.96%	-19.08%	35.20%
Revenues Before Loan Losses	604.28	612.74	635.79	617.09	384.92	400.67
Provision for Loan Losses	-9.79	-3.98	-1.07	-10.04	-46.63	-76.56
Revenue	614.07	616.72	636.86	627.14	431.54	477.23
Revenue Growth (YoY)	-5.08%	-3.16%	1.55%	45.32%	-9.57%	25.05%
Occupancy Expenses	8.74	8.67	9.09	7.43	3.45	6.5
Selling, General & Administrative	260.11	256.53	248.37	243.67	225.64	232.57
Other Non-Interest Expense	-0.31	0.04	1.53	1.81	1.26	0.98
Total Non-Interest Expense	264.14	260.85	254.38	247.81	224.97	238.92
EBT Excluding Unusual Items	349.92	355.88	382.48	379.33	206.58	238.3
Pretax Income	349.92	355.88	382.48	379.33	206.58	238.3
Income Tax Expense	66.63	67.56	72.05	71.8	42.17	44.95
Earnings From Continuing Operations	283.3	288.32	310.43	307.53	164.41	193.36
Earnings From Discontinued Operations	-	-	-	-	-	78.98
Net Income	283.3	288.32	310.43	307.53	164.41	272.34
Net Income to Common	283.3	288.32	310.43	307.53	164.41	272.34
Net Income Growth	-10.44%	-7.12%	0.94%	87.06%	-39.63%	63.88%
Basic Shares Outstanding	10	10	10	10	10	10
Diluted Shares Outstanding	10	10	10	10	10	10
Shares Change (YoY)	-0.04%	-	-	-	0.03%	0.26%
EPS (Basic)	29.60	30.11	32.42	32.12	17.17	28.45
EPS (Diluted)	29.60	30.11	32.42	32.12	17.17	28.45
EPS Growth	-10.39%	-7.11%	0.93%	87.07%	-39.65%	63.43%
Dividend Per Share	21.040	21.040	36.500	8.330	26.040	40.200
Dividend Growth	-42.36%	-42.36%	338.17%	-68.01%	-35.22%	704.00%
Effective Tax Rate	19.04%	18.98%	18.84%	18.93%	20.41%	18.86%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.