Kommunalbanken AS 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 and Dividend Income	26,325	26,932	22,344	9,181	3,529	5,700
Total Interest Expense	24,061	24,678	20,240	7,315	1,943	4,028
Net Interest Income	2,264	2,254	2,104	1,866	1,586	1,672
Gain (Loss) on Sale of Investments	-	-	-	-	70	2
Other Revenue	277	157	212	-1,615	322	224
Revenue Before Loan Losses	2,541	2,411	2,316	251	1,978	1,898
Provision for Loan Losses	1	-9	-10	28	-	14
Revenue	2,540	2,420	2,326	223	1,978	1,884
Revenue Growth (YoY)	-8.99%	4.04%	943.05%	-88.73%	4.99%	-10.46%
Cost of Services Provided	354	346	316	299	266	262
Other Operating Expenses	133	115	92	67	66	84
Total Operating Expenses	540	509	451	404	361	371
Operating Income	2,000	1,911	1,875	-181	1,617	1,513
EBT Excluding Unusual Items	1,999	1,911	1,876	-180	1,616	1,513
Other Unusual Items	-	-	-	-	3	23
Pretax Income	1,999	1,911	1,876	-180	1,619	1,536
Income Tax Expense	458	437	444	-120	411	377
Net Income	1,541	1,474	1,432	-60	1,208	1,159
Preferred Dividends & Other Adjustments	163	162	131	-	-	64
Net Income to Common	1,378	1,312	1,301	-60	1,208	1,095
Net Income Growth	-12.44%	2.93%	-	-	4.23%	-9.66%
Shares Outstanding (Basic)	4	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4	4
Shares Change (YoY)	-	-	0.01%	-	-	23.85%
EPS (Basic)	353.79	336.84	334.02	-15.41	310.17	281.16
EPS (Diluted)	353.79	336.84	334.02	-15.41	310.17	281.16
EPS Growth	-13.71%	0.85%	-	-	10.32%	-28.18%
Free Cash Flow	-23,130	11,739	-8,470	6,047	-1,138	-20,640
Free Cash Flow Per Share	-5938.38	3013.86	-2174.58	1552.65	-292.20	-5299.61
Operating Margin	78.74%	78.97%	80.61%	-81.17%	81.75%	80.31%
Profit Margin	54.25%	54.22%	55.93%	-26.91%	61.07%	58.12%
Free Cash Flow Margin	-910.63%	485.08%	-364.14%	2711.66%	-57.53%	-1095.54%
Effective Tax Rate	22.91%	22.87%	23.67%	-	25.39%	24.54%

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