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	Jun '26 Jun 30, 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	497.47	511.98	588.14	482.45	308.82	287.98
Interest Income on Investments	40.4	52.64	52.41	44.49	6.48	3.43
Total Interest Income	537.88	564.61	640.56	526.94	315.29	291.41
Interest Paid on Deposits	142.89	155.43	186.31	101.36	34.48	19.4
Net Interest Income	394.99	409.18	454.25	425.58	280.81	272.01
Net Interest Income Growth	-7.80%	-9.92%	6.74%	51.55%	3.23%	-3.37%
Gain (Loss) on Sale of Assets	-0.03	3.67	0.64	0.12	0.03	0.19
Gain (Loss) on Sale of Investments	9.54	24.68	43.11	52.78	-65.57	-6.93
Other Non-Interest Income	177.21	175.21	137.79	138.62	169.65	135.4
Total Non-Interest Income	186.72	203.56	181.54	191.52	104.11	128.66
Non-Interest Income Growth	-14.28%	12.13%	-5.21%	83.96%	-19.08%	35.20%
Revenues Before Loan Losses	581.7	612.74	635.79	617.09	384.92	400.67
Provision for Loan Losses	-8.46	-3.98	-1.07	-10.04	-46.63	-76.56
Revenue	590.16	616.72	636.86	627.14	431.54	477.23
Revenue Growth	-10.09%	-3.16%	1.55%	45.32%	-9.57%	25.05%
Occupancy Expenses	9	8.67	9.09	7.43	3.45	6.5
Selling, General & Administrative	264.88	256.53	248.37	243.67	225.64	232.57
Other Non-Interest Expense	0.18	0.04	1.53	1.81	1.26	0.98
Total Non-Interest Expense	269.53	260.85	254.38	247.81	224.97	238.92
EBT Excluding Unusual Items	320.63	355.88	382.48	379.33	206.58	238.3
Pretax Income	320.63	355.88	382.48	379.33	206.58	238.3
Income Tax Expense	60.9	67.56	72.05	71.8	42.17	44.95
Earnings From Continuing Operations	259.73	288.32	310.43	307.53	164.41	193.36
Earnings From Discontinued Operations	-	-	-	-	-	78.98
Net Income	259.73	288.32	310.43	307.53	164.41	272.34
Net Income to Common	259.73	288.32	310.43	307.53	164.41	272.34
Net Income Growth	-19.43%	-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	0.01%	-	-	-	0.03%	0.26%
EPS (Basic)	27.13	30.11	32.42	32.12	17.17	28.45
EPS (Diluted)	27.13	30.11	32.42	32.12	17.17	28.45
EPS Growth	-19.44%	-7.11%	0.93%	87.07%	-39.65%	63.43%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
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	18.99%	18.98%	18.84%	18.93%	20.41%	18.86%