SpareBank 1 Helgeland Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	2,025	2,026	1,735	1,121	748
Interest Income on Investments	-	325	315	290	188	94
Total Interest Income	-	2,350	2,341	2,025	1,309	842
Interest Paid on Deposits	-	1,345	1,271	993	476	217
Net Interest Income	929	1,005	1,070	1,032	833	625
Net Interest Income Growth	-11.52%	-6.08%	3.68%	23.89%	33.28%	0%
Gain (Loss) on Sale of Investments	5	1	4	2	-25	-11
Gain (Loss) on Sale of Equity Investments	41	40	22	-1	5	11
Other Non-Interest Income	199	198	191	150	157	103
Total Non-Interest Income	245	239	217	151	137	103
Non-Interest Income Growth	11.36%	10.14%	43.71%	10.22%	33.01%	-65.44%
Revenues Before Loan Losses	1,174	1,244	1,287	1,183	970	728
Provision for Loan Losses	137	119	102	100	11	64
Revenue	1,037	1,125	1,185	1,083	959	664
Revenue Growth	-13.29%	-5.06%	9.42%	12.93%	44.43%	-23.85%
Salaries and Employee Benefits	170	218	201	186	172	158
Federal Deposit Insurance	15	20	15	19	15	18
Selling, General & Administrative	9	9	9	13	18	21
Other Non-Interest Expense	224	228	217	215	191	203
Total Non-Interest Expense	418	475	442	433	396	400
EBT Excluding Unusual Items	619	650	743	650	563	264
Pretax Income	619	650	743	650	563	264
Income Tax Expense	133	146	172	160	118	59
Earnings From Continuing Operations	486	504	571	490	445	205
Net Income	486	504	571	490	445	205
Preferred Dividends & Other Adjustments	49	125	132	115	100	56
Net Income to Common	437	379	439	375	345	149
Net Income Growth	8.44%	-13.67%	17.07%	8.70%	131.54%	-40.40%
Basic Shares Outstanding	27	27	27	27	27	27
Diluted Shares Outstanding	27	27	27	27	27	27
Shares Change	-0.40%	-0.10%	0.45%	0.09%	-0.51%	30.04%
EPS (Basic)	16.21	14.00	16.20	13.90	12.80	5.50
EPS (Diluted)	16.21	14.00	16.20	13.90	12.80	5.50
EPS Growth	8.87%	-13.58%	16.55%	8.59%	132.73%	-54.17%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	-	7.670	8.430	10.770	10.300	3.200
Dividend Growth	-	-9.01%	-21.73%	4.56%	221.88%	3.23%
Effective Tax Rate	21.49%	22.46%	23.15%	24.62%	20.96%	22.35%