Bien Sparebank ASA (OSL:BIEN)

Bien Sparebank ASA Income Statement

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

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

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