Sparebanken Øst 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 Income on Loans	2,668	2,729	2,245	1,355	966.6
Interest Income on Investments	25.8	87.4	45.9	53.9	71.4
Total Interest Income	2,694	2,816	2,291	1,409	1,038
Interest Paid on Deposits	1,800	1,797	1,416	669.3	335.3
Net Interest Income	893.3	1,019	874.7	740	702.7
Net Interest Income Growth (YoY)	-12.34%	16.50%	18.20%	5.31%	9.12%
Gain (Loss) on Sale of Assets	-	-	-	0.7	2.9
Gain (Loss) on Sale of Investments	-	-41.8	0.1	-83.7	8.1
Other Non-Interest Income	144.6	62.6	42	41.2	47.1
Total Non-Interest Income	144.6	20.8	42.1	-41.8	58.1
Non-Interest Income Growth (YoY)	595.19%	-50.59%	-	-	-71.04%
Revenues Before Loan Losses	1,038	1,040	916.8	698.2	760.8
Provision for Loan Losses	16.1	13.6	6.7	6.8	0.5
Revenue	1,022	1,026	910.1	691.4	760.3
Revenue Growth (YoY)	-0.43%	12.76%	31.63%	-9.06%	-8.34%
Salaries and Employee Benefits	204.4	196.5	194.7	168.5	175.8
Occupancy Expenses	30.3	27.3	29	27.2	27.6
Other Non-Interest Expense	138.9	136.2	122.1	113.8	102.2
Total Non-Interest Expense	373.6	360	345.8	309.5	305.6
EBT Excluding Unusual Items	648.2	666.2	564.3	381.9	454.7
Pretax Income	648.2	666.2	564.3	381.9	454.7
Income Tax Expense	125.4	142.9	123.7	85.5	79.3
Net Income	522.8	523.3	440.6	296.4	375.4
Preferred Dividends & Other Adjustments	-	382.4	323	217	268.5
Net Income to Common	522.8	140.9	117.6	79.4	106.9
Net Income Growth	-0.10%	18.77%	48.65%	-21.04%	-17.15%
Basic Shares Outstanding	-	21	21	21	21
Diluted Shares Outstanding	-	21	21	21	21
Shares Change (YoY)	-	-	-	-	-0.15%
EPS (Basic)	-	6.81	5.68	3.84	5.16
EPS (Diluted)	-	6.80	5.67	3.83	5.16
EPS Growth	-	19.93%	48.04%	-25.77%	-22.05%
Dividend Per Share	-	6.400	5.400	3.800	3.850
Dividend Growth	-	18.52%	42.10%	-1.30%	-14.44%
Effective Tax Rate	19.35%	21.45%	21.92%	22.39%	17.44%

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