Grong Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	592.52	560.19	459.68	259.44	174.22	200.11
Interest Income on Investments	68.42	57.99	52.12	36.87	21.87	16.53
Total Interest Income	660.94	618.19	511.8	296.31	196.1	216.64
Interest Paid on Deposits	392.82	365.26	267.41	106.28	47.32	71.29
Total Interest Expense	392.82	365.26	267.41	106.28	47.32	71.29
Net Interest Income	268.13	252.93	244.4	190.03	148.77	145.35
Net Interest Income Growth (YoY)	6.68%	3.49%	28.61%	27.73%	2.36%	8.05%
Gain (Loss) on Sale of Investments	-15.99	-15.99	34.06	66.07	2.54	11.99
Other Non-Interest Income	141.78	89.71	78.63	68.28	66.86	61.74
Total Non-Interest Income	125.79	73.72	112.69	134.34	69.4	73.73
Non-Interest Income Growth (YoY)	26.00%	-34.58%	-16.12%	93.58%	-5.87%	44.97%
Revenues Before Loan Losses	393.92	326.65	357.08	324.38	218.17	219.08
Provision for Loan Losses	19.4	14.91	5.14	3.92	-5.74	14.04
Revenue	374.52	311.74	351.95	320.46	223.91	205.04
Revenue Growth (YoY)	9.09%	-11.42%	9.83%	43.12%	9.21%	14.88%
Salaries and Employee Benefits	98.97	89.29	76.26	63.5	57.17	56.16
Occupancy Expenses	12.77	11.22	9.14	8.18	8.59	-7.07
Selling, General & Administrative	8.42	8.42	7.74	8.73	6.91	9.99
Other Non-Interest Expense	55.77	55.3	71.17	50.1	42.7	38.45
Total Non-Interest Expense	175.93	164.23	164.31	130.51	115.36	97.53
EBT Excluding Unusual Items	198.59	147.51	187.64	189.95	108.55	107.51
Pretax Income	198.59	147.51	187.64	189.95	108.55	107.51
Income Tax Expense	36.66	36.44	32.42	24.23	22.67	20.11
Net Income	161.93	111.07	155.22	165.71	85.87	87.4
Preferred Dividends & Other Adjustments	18.97	63.57	83.53	89.63	48.04	47.81
Net Income to Common	142.96	47.5	71.68	76.09	37.84	39.59
Net Income Growth	11.73%	-28.44%	-6.33%	92.97%	-1.74%	62.70%
Basic Shares Outstanding	8	4	4	3	3	3
Diluted Shares Outstanding	8	4	4	3	3	3
Shares Change (YoY)	96.05%	-	14.81%	16.40%	-	-2.38%
EPS (Basic)	18.36	11.96	18.04	21.99	12.73	13.32
EPS (Diluted)	18.36	11.96	18.04	21.99	12.73	13.32
EPS Growth	11.92%	-33.74%	-17.94%	72.77%	-4.43%	57.06%
Dividend Per Share	10.500	10.500	10.000	9.000	9.000	6.000
Dividend Growth	5.00%	5.00%	11.11%	-	50.00%	-14.29%
Effective Tax Rate	18.46%	24.70%	17.28%	12.76%	20.89%	18.71%

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