SpareBank 1 Nord-Norge 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	7,997	7,887	6,561	3,824	2,542	2,927
Interest Income on Investments	136	81	101	90	36	44
Total Interest Income	8,133	7,968	6,662	3,914	2,578	2,971
Interest Paid on Deposits	3,944	3,859	2,934	1,268	528	859
Net Interest Income	4,189	4,109	3,728	2,646	2,050	2,112
Net Interest Income Growth (YoY)	2.95%	10.22%	40.89%	29.07%	-2.94%	0.14%
Gain (Loss) on Sale of Assets	452	452	-	-	-	-
Gain (Loss) on Sale of Investments	197	149	138	-20	467	89
Gain (Loss) on Sale of Equity Investments	100	374	-56	204	291	560
Other Non-Interest Income	1,598	1,541	1,404	1,234	1,499	1,299
Total Non-Interest Income	2,347	2,516	1,486	1,418	2,257	1,948
Non-Interest Income Growth (YoY)	-4.67%	69.31%	4.79%	-37.17%	15.86%	-3.33%
Revenues Before Loan Losses	6,536	6,625	5,214	4,064	4,307	4,060
Provision for Loan Losses	47	110	116	63	-235	332
Revenue	6,489	6,515	5,098	4,001	4,542	3,728
Revenue Growth (YoY)	2.13%	27.79%	27.42%	-11.91%	21.83%	-9.36%
Salaries and Employee Benefits	1,154	1,103	986	844	936	869
Selling, General & Administrative	67	-	-	-	-	-
Other Non-Interest Expense	899	900	839	793	812	757
Total Non-Interest Expense	2,122	2,003	1,825	1,637	1,748	1,626
EBT Excluding Unusual Items	4,367	4,512	3,273	2,364	2,794	2,102
Pretax Income	4,367	4,512	3,273	2,364	2,794	2,102
Income Tax Expense	850	849	725	513	499	360
Earnings From Continuing Operations	3,517	3,663	2,548	1,851	2,295	1,742
Minority Interest in Earnings	-37	-33	-27	-27	-12	-
Net Income	3,480	3,630	2,521	1,824	2,283	1,742
Preferred Dividends & Other Adjustments	1,918	1,994	1,379	996	1,238	950
Net Income to Common	1,562	1,636	1,142	828	1,045	792
Net Income Growth	-1.53%	43.99%	38.21%	-20.11%	31.06%	-15.52%
Basic Shares Outstanding	100	100	100	100	100	100
Diluted Shares Outstanding	100	100	100	100	100	100
Shares Change (YoY)	0.00%	-	-	-	-	-
EPS (Basic)	15.56	16.30	11.37	8.25	10.41	7.89
EPS (Diluted)	15.56	16.30	11.37	8.25	10.41	7.89
EPS Growth	-2.13%	43.26%	37.92%	-20.77%	31.94%	-16.01%
Dividend Per Share	8.750	8.750	7.000	8.200	7.000	3.900
Dividend Growth	25.00%	25.00%	-14.63%	17.14%	79.49%	-2.50%
Effective Tax Rate	19.46%	18.82%	22.15%	21.70%	17.86%	17.13%

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