Haugesund Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	920.18	834.77	657.44	387.66	275.95
Interest Income on Investments	100.64	73.84	58.72	38.6	36.83
Total Interest Income	1,021	908.62	716.16	426.26	312.78
Interest Paid on Deposits	600.09	531.79	370.53	151.23	66.94
Total Interest Expense	600.09	531.79	370.53	151.23	66.94
Net Interest Income	420.74	376.83	345.63	275.03	245.84
Net Interest Income Growth (YoY)	11.65%	9.03%	25.67%	11.87%	9.13%
Other Non-Interest Income	63.03	50.56	49.08	40.06	49.5
Total Non-Interest Income	63.03	50.56	49.08	40.06	49.5
Non-Interest Income Growth (YoY)	24.66%	3.01%	22.51%	-19.07%	-31.06%
Revenues Before Loan Losses	483.77	427.39	394.71	315.09	295.34
Provision for Loan Losses	31.17	18.65	22.64	28.99	13.05
Revenue	452.6	408.74	372.07	286.1	282.29
Revenue Growth (YoY)	10.73%	9.86%	30.05%	1.35%	7.93%
Salaries and Employee Benefits	97.28	80.47	75.47	62.39	62.53
Occupancy Expenses	5.82	8.01	10.83	7.28	7.42
Selling, General & Administrative	-	16.29	19.79	20.5	-
Other Non-Interest Expense	115.74	104.08	62	49.62	54.99
Total Non-Interest Expense	218.84	208.85	168.1	139.79	124.93
EBT Excluding Unusual Items	233.76	199.89	203.97	146.3	157.36
Pretax Income	233.76	199.89	203.97	146.3	157.36
Income Tax Expense	44.82	41.32	49.15	32.01	32.03
Net Income	188.94	158.58	154.82	114.29	125.33
Preferred Dividends & Other Adjustments	-	136.53	131.41	95.09	-
Net Income to Common	188.94	22.04	23.41	19.2	125.33
Net Income Growth	19.15%	2.43%	35.46%	-8.80%	6.26%
Basic Shares Outstanding	5	2	2	2	-
Diluted Shares Outstanding	5	2	2	2	-
Shares Change (YoY)	133.50%	-	-	-	-
EPS (Basic)	35.96	9.80	10.40	8.53	-
EPS (Diluted)	35.96	9.80	10.40	8.52	-
EPS Growth	267.09%	-5.84%	22.11%	-	-
Dividend Per Share	-	12.500	8.200	6.500	6.500
Dividend Growth	-	52.44%	26.15%	-	8.33%
Effective Tax Rate	19.17%	20.67%	24.10%	21.88%	20.36%

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