Bien Sparebank ASA (OSL:BIEN)

Bien Sparebank ASA Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	312.33	305.45	251.39	154.42	118.53	136.22
Interest Income on Investments	4.86	4.67	6.48	9.1	7.83	8.34
Total Interest Income	317.19	310.11	257.86	163.52	126.36	144.56
Interest Paid on Deposits	182.37	177.57	133.35	59.9	42.41	65.18
Net Interest Income	134.82	132.54	124.51	103.62	83.95	79.38
Net Interest Income Growth (YoY)	3.06%	6.45%	20.16%	23.43%	5.76%	-14.15%
Gain (Loss) on Sale of Investments	-0.3	2.02	3.41	-1.64	-0.91	2.92
Other Non-Interest Income	20.65	18.55	15.34	16.56	18.79	14.72
Total Non-Interest Income	20.35	20.57	18.75	14.93	17.88	17.64
Non-Interest Income Growth (YoY)	21.55%	9.69%	25.63%	-16.53%	1.38%	32.75%
Revenues Before Loan Losses	155.17	153.11	143.26	118.55	101.84	97.02
Provision for Loan Losses	2.23	-0.4	-2.35	2.99	3.3	3.76
Revenue	152.94	153.51	145.61	115.56	98.53	93.26
Revenue Growth (YoY)	2.36%	5.42%	26.01%	17.27%	5.65%	-11.93%
Salaries and Employee Benefits	43.68	41.46	38.34	33.32	32.54	25.89
Occupancy Expenses	4.19	4.19	4.25	4.32	4.4	0.57
Selling, General & Administrative	2.91	2.91	2.21	1.52	0.88	5.17
Other Non-Interest Expense	25.27	26.75	29.54	25.48	24.59	30.12
Total Non-Interest Expense	76.04	75.3	74.34	64.64	62.42	61.75
EBT Excluding Unusual Items	76.9	78.2	71.27	50.92	36.12	31.51
Pretax Income	76.9	78.2	71.27	50.92	36.12	31.51
Income Tax Expense	17.06	17.43	15.42	8.83	6.62	5.5
Net Income	59.84	60.77	55.85	42.09	29.5	26.02
Preferred Dividends & Other Adjustments	3.85	3.87	3.56	2.02	-	-
Net Income to Common	55.99	56.9	52.29	40.07	29.5	26.02
Net Income Growth	4.59%	8.82%	32.69%	42.70%	13.38%	-35.63%
Basic Shares Outstanding	6	6	6	6	5	5
Diluted Shares Outstanding	6	6	6	6	5	5
Shares Change (YoY)	-	-	-	13.23%	-	-
EPS (Basic)	9.86	10.02	9.21	7.05	5.88	5.19
EPS (Diluted)	9.86	10.02	9.21	7.05	5.88	5.19
EPS Growth	4.47%	8.83%	30.50%	19.98%	13.38%	-35.63%
Dividend Per Share	5.350	5.350	4.920	3.700	-	1.694
Dividend Growth	8.74%	8.74%	32.97%	-	-	-
Effective Tax Rate	22.18%	22.29%	21.64%	17.34%	18.33%	17.45%

Updated Mar 5, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.