Haugesund 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	888.15	834.77	657.44	387.66	275.95	309.2
Interest Income on Investments	49.33	73.84	58.72	38.6	36.83	20.6
Total Interest Income	937.48	908.62	716.16	426.26	312.78	329.8
Interest Paid on Deposits	577.57	531.79	370.53	151.23	66.94	104.53
Total Interest Expense	577.57	531.79	370.53	151.23	66.94	104.53
Net Interest Income	359.91	376.83	345.63	275.03	245.84	225.27
Net Interest Income Growth (YoY)	-11.47%	9.03%	25.67%	11.87%	9.13%	-0.92%
Other Non-Interest Income	53.99	50.56	49.08	40.06	49.5	71.81
Total Non-Interest Income	53.99	50.56	49.08	40.06	49.5	71.81
Non-Interest Income Growth (YoY)	1.73%	3.01%	22.51%	-19.07%	-31.06%	61.86%
Revenues Before Loan Losses	413.9	427.39	394.71	315.09	295.34	297.08
Provision for Loan Losses	19.43	18.65	22.64	28.99	13.05	35.54
Revenue	394.47	408.74	372.07	286.1	282.29	261.54
Revenue Growth (YoY)	-10.17%	9.86%	30.05%	1.35%	7.93%	1.40%
Salaries and Employee Benefits	86.75	80.47	75.47	62.39	62.53	57
Occupancy Expenses	4.87	8.01	10.83	7.28	7.42	5.18
Selling, General & Administrative	16.29	16.29	19.79	20.5	-	-
Other Non-Interest Expense	58.45	104.08	62	49.62	54.99	51.82
Total Non-Interest Expense	166.36	208.85	168.1	139.79	124.93	114
EBT Excluding Unusual Items	228.11	199.89	203.97	146.3	157.36	147.54
Pretax Income	228.11	199.89	203.97	146.3	157.36	147.54
Income Tax Expense	44.29	41.32	49.15	32.01	32.03	29.6
Net Income	183.82	158.58	154.82	114.29	125.33	117.94
Preferred Dividends & Other Adjustments	138.27	136.53	131.41	95.09	-	-
Net Income to Common	45.55	22.04	23.41	19.2	125.33	117.94
Net Income Growth	14.14%	2.43%	35.46%	-8.80%	6.26%	16.04%
Basic Shares Outstanding	5	2	2	2	-	-
Diluted Shares Outstanding	5	2	2	2	-	-
EPS (Basic)	10.12	9.80	10.40	8.53	-	-
EPS (Diluted)	10.12	9.80	10.40	8.52	-	-
EPS Growth	-1.65%	-5.84%	22.11%	-	-	-
Dividend Per Share	12.500	12.500	8.200	6.500	6.500	6.000
Dividend Growth	52.44%	52.44%	26.15%	-	8.33%	33.33%
Effective Tax Rate	19.41%	20.67%	24.10%	21.88%	20.36%	20.06%

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