Kommunalbanken AS Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 and Dividend Income	25,737	26,932	22,344	9,181	3,529
Total Interest Expense	23,271	24,678	20,240	7,315	1,943
Net Interest Income	2,466	2,254	2,104	1,866	1,586
Gain (Loss) on Sale of Investments	-	-	-	-	70
Other Revenue	501	157	212	-1,615	322
Revenue Before Loan Losses	2,967	2,411	2,316	251	1,978
Provision for Loan Losses	4	-9	-10	28	-
Revenue	2,963	2,420	2,326	223	1,978
Revenue Growth (YoY)	22.44%	4.04%	943.05%	-88.73%	4.99%
Cost of Services Provided	364	346	316	299	266
Other Operating Expenses	136	115	92	67	66
Total Operating Expenses	554	509	451	404	361
Operating Income	2,409	1,911	1,875	-181	1,617
EBT Excluding Unusual Items	2,409	1,911	1,876	-180	1,616
Other Unusual Items	-	-	-	-	3
Pretax Income	2,409	1,911	1,876	-180	1,619
Income Tax Expense	515	437	444	-120	411
Net Income	1,894	1,474	1,432	-60	1,208
Preferred Dividends & Other Adjustments	-	162	131	-	-
Net Income to Common	1,894	1,312	1,301	-60	1,208
Net Income Growth	28.49%	2.93%	-	-	4.23%
Shares Outstanding (Basic)	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4
Shares Change (YoY)	-	-	0.01%	-	-
EPS (Basic)	486.26	336.84	334.02	-15.41	310.17
EPS (Diluted)	486.26	336.84	334.02	-15.41	310.17
EPS Growth	44.36%	0.85%	-	-	10.32%
Free Cash Flow	-16,323	11,739	-8,470	6,047	-1,138
Free Cash Flow Per Share	-4190.76	3013.86	-2174.58	1552.65	-292.20
Operating Margin	81.30%	78.97%	80.61%	-81.17%	81.75%
Profit Margin	63.92%	54.22%	55.93%	-26.91%	61.07%
Free Cash Flow Margin	-550.89%	485.08%	-364.14%	2711.66%	-57.53%
Effective Tax Rate	21.38%	22.87%	23.67%	-	25.39%