Bien Sparebank ASA (OSL:BIEN)

Bien Sparebank ASA Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	333.25	305.45	251.39	154.42	118.53
Interest Income on Investments	9.93	4.67	6.48	9.1	7.83
Total Interest Income	343.18	310.11	257.86	163.52	126.36
Interest Paid on Deposits	198.46	177.57	133.35	59.9	42.41
Net Interest Income	144.72	132.54	124.51	103.62	83.95
Net Interest Income Growth (YoY)	9.19%	6.45%	20.16%	23.43%	5.76%
Gain (Loss) on Sale of Investments	1.03	2.02	3.41	-1.64	-0.91
Other Non-Interest Income	24.67	18.55	15.34	16.56	18.79
Total Non-Interest Income	25.7	20.57	18.75	14.93	17.88
Non-Interest Income Growth (YoY)	24.96%	9.69%	25.63%	-16.53%	1.38%
Revenues Before Loan Losses	170.42	153.11	143.26	118.55	101.84
Provision for Loan Losses	2.03	-0.4	-2.35	2.99	3.3
Revenue	168.39	153.51	145.61	115.56	98.53
Revenue Growth (YoY)	9.70%	5.42%	26.01%	17.27%	5.65%
Salaries and Employee Benefits	47.56	41.46	38.34	33.32	32.54
Occupancy Expenses	4.23	4.19	4.25	4.32	4.4
Selling, General & Administrative	5.49	2.91	2.21	1.52	0.88
Other Non-Interest Expense	28.43	26.75	29.54	25.48	24.59
Total Non-Interest Expense	85.71	75.3	74.34	64.64	62.42
EBT Excluding Unusual Items	82.68	78.2	71.27	50.92	36.12
Pretax Income	82.68	78.2	71.27	50.92	36.12
Income Tax Expense	17.48	17.43	15.42	8.83	6.62
Net Income	65.2	60.77	55.85	42.09	29.5
Preferred Dividends & Other Adjustments	3.76	3.87	3.56	2.02	-
Net Income to Common	61.44	56.9	52.29	40.07	29.5
Net Income Growth	7.28%	8.82%	32.69%	42.70%	13.38%
Basic Shares Outstanding	6	6	6	6	5
Diluted Shares Outstanding	6	6	6	6	5
Shares Change (YoY)	-	-	-	13.23%	-
EPS (Basic)	10.82	10.02	9.21	7.05	5.88
EPS (Diluted)	10.82	10.02	9.21	7.05	5.88
EPS Growth	7.97%	8.83%	30.50%	19.98%	13.38%
Dividend Per Share	5.730	5.350	4.920	3.700	-
Dividend Growth	7.10%	8.74%	32.97%	-	-
Effective Tax Rate	21.15%	22.29%	21.64%	17.34%	18.33%

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