Romerike Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	1,074	1,018	823.18	403.43	248.76	250.54
Interest Income on Investments	29.13	15.99	23.01	24.48	19.66	19.58
Total Interest Income	1,103	1,034	846.18	427.91	268.42	270.12
Interest Paid on Deposits	692.79	628.63	471.56	169.28	78.64	95.33
Total Interest Expense	692.79	628.63	471.56	169.28	78.64	95.33
Net Interest Income	410.4	404.97	374.63	258.63	189.78	174.79
Net Interest Income Growth (YoY)	2.73%	8.10%	44.85%	36.28%	8.57%	8.04%
Other Non-Interest Income	75.28	64.48	47.17	30.57	38.68	32.55
Total Non-Interest Income	75.28	64.48	47.17	30.57	38.68	32.55
Non-Interest Income Growth (YoY)	28.73%	36.71%	54.29%	-20.97%	18.84%	11.62%
Revenues Before Loan Losses	485.68	469.45	421.79	289.2	228.46	207.34
Provision for Loan Losses	17.66	30.23	21.34	4.43	-14.21	12.65
Revenue	468.03	439.23	400.45	284.76	242.66	194.69
Revenue Growth (YoY)	6.87%	9.68%	40.63%	17.35%	24.64%	3.08%
Salaries and Employee Benefits	100.95	90.12	88.69	67.3	53.02	49.68
Occupancy Expenses	3.35	6.42	7.38	4.56	3.88	0.19
Selling, General & Administrative	-	-	-	16.36	9.45	11.37
Other Non-Interest Expense	92.04	93.43	101.02	50.45	38.96	47.48
Total Non-Interest Expense	196.34	189.96	197.09	138.67	105.3	108.71
EBT Excluding Unusual Items	271.69	249.27	203.36	146.09	137.36	85.98
Pretax Income	271.69	249.27	203.36	146.09	137.36	85.98
Income Tax Expense	60.15	57.19	45.07	27.41	29.41	16.21
Net Income	211.54	192.07	158.29	118.68	107.95	69.77
Preferred Dividends & Other Adjustments	159.49	159.49	129.27	23.48	15.11	58.24
Net Income to Common	52.04	32.58	29.02	95.2	92.84	11.53
Net Income Growth	12.70%	21.34%	33.38%	9.94%	54.74%	-25.89%
Basic Shares Outstanding	-	3	3	3	1	1
Diluted Shares Outstanding	-	3	3	3	1	1
Shares Change (YoY)	-	-	-	183.63%	-	-
EPS (Basic)	-	11.49	10.23	33.56	92.84	11.53
EPS (Diluted)	-	11.49	10.23	33.56	92.84	11.53
EPS Growth	-	12.26%	-69.51%	-63.85%	705.42%	-87.76%
Dividend Per Share	10.500	10.500	9.500	6.700	8.400	7.400
Dividend Growth	10.53%	10.53%	41.79%	-20.24%	13.51%	-11.91%
Effective Tax Rate	22.14%	22.94%	22.16%	18.76%	21.41%	18.86%

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