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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	329.2	305.45	251.39	154.42	118.53	136.22
Interest Income on Investments	8.36	4.67	6.48	9.1	7.83	8.34
Total Interest Income	337.56	310.11	257.86	163.52	126.36	144.56
Interest Paid on Deposits	196.29	177.57	133.35	59.9	42.41	65.18
Net Interest Income	141.27	132.54	124.51	103.62	83.95	79.38
Net Interest Income Growth (YoY)	7.82%	6.45%	20.16%	23.43%	5.76%	-14.15%
Gain (Loss) on Sale of Investments	-0.21	2.02	3.41	-1.64	-0.91	2.92
Other Non-Interest Income	23.57	18.55	15.34	16.56	18.79	14.72
Total Non-Interest Income	23.37	20.57	18.75	14.93	17.88	17.64
Non-Interest Income Growth (YoY)	30.83%	9.69%	25.63%	-16.53%	1.38%	32.75%
Revenues Before Loan Losses	164.64	153.11	143.26	118.55	101.84	97.02
Provision for Loan Losses	1.52	-0.4	-2.35	2.99	3.3	3.76
Revenue	163.12	153.51	145.61	115.56	98.53	93.26
Revenue Growth (YoY)	9.65%	5.42%	26.01%	17.27%	5.65%	-11.93%
Salaries and Employee Benefits	46.47	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	29.31	26.75	29.54	25.48	24.59	30.12
Total Non-Interest Expense	82.87	75.3	74.34	64.64	62.42	61.75
EBT Excluding Unusual Items	80.25	78.2	71.27	50.92	36.12	31.51
Pretax Income	80.25	78.2	71.27	50.92	36.12	31.51
Income Tax Expense	17.02	17.43	15.42	8.83	6.62	5.5
Net Income	63.23	60.77	55.85	42.09	29.5	26.02
Preferred Dividends & Other Adjustments	3.81	3.87	3.56	2.02	-	-
Net Income to Common	59.42	56.9	52.29	40.07	29.5	26.02
Net Income Growth	7.57%	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)	10.46	10.02	9.21	7.05	5.88	5.19
EPS (Diluted)	10.46	10.02	9.21	7.05	5.88	5.19
EPS Growth	8.23%	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	21.21%	22.29%	21.64%	17.34%	18.33%	17.45%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.