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	2016 - 2020
Period Ending	Jun '25 Jun 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	2016 - 2020
Interest Income on Loans	870.35	834.77	657.44	387.66	275.95	309.2	Upgrade
Interest Income on Investments	88.31	73.84	58.72	38.6	36.83	20.6	Upgrade
Total Interest Income	958.66	908.62	716.16	426.26	312.78	329.8	Upgrade
Interest Paid on Deposits	561.2	531.79	370.53	151.23	66.94	104.53	Upgrade
Total Interest Expense	561.2	531.79	370.53	151.23	66.94	104.53	Upgrade
Net Interest Income	397.46	376.83	345.63	275.03	245.84	225.27	Upgrade
Net Interest Income Growth (YoY)	-0.74%	9.03%	25.67%	11.87%	9.13%	-0.92%	Upgrade
Other Non-Interest Income	53.4	50.56	49.08	40.06	49.5	71.81	Upgrade
Total Non-Interest Income	53.4	50.56	49.08	40.06	49.5	71.81	Upgrade
Non-Interest Income Growth (YoY)	1.20%	3.01%	22.51%	-19.07%	-31.06%	61.86%	Upgrade
Revenues Before Loan Losses	450.86	427.39	394.71	315.09	295.34	297.08	Upgrade
Provision for Loan Losses	20	18.65	22.64	28.99	13.05	35.54	Upgrade
Revenue	430.86	408.74	372.07	286.1	282.29	261.54	Upgrade
Revenue Growth (YoY)	-0.39%	9.86%	30.05%	1.35%	7.93%	1.40%	Upgrade
Salaries and Employee Benefits	82.25	80.47	75.47	62.39	62.53	57	Upgrade
Occupancy Expenses	4.68	8.01	10.83	7.28	7.42	5.18	Upgrade
Selling, General & Administrative	16.29	16.29	19.79	20.5	-	-	Upgrade
Other Non-Interest Expense	99.23	104.08	62	49.62	54.99	51.82	Upgrade
Total Non-Interest Expense	202.44	208.85	168.1	139.79	124.93	114	Upgrade
EBT Excluding Unusual Items	228.42	199.89	203.97	146.3	157.36	147.54	Upgrade
Pretax Income	228.42	199.89	203.97	146.3	157.36	147.54	Upgrade
Income Tax Expense	40.04	41.32	49.15	32.01	32.03	29.6	Upgrade
Net Income	188.38	158.58	154.82	114.29	125.33	117.94	Upgrade
Preferred Dividends & Other Adjustments	162.67	136.53	131.41	95.09	-	-	Upgrade
Net Income to Common	25.72	22.04	23.41	19.2	125.33	117.94	Upgrade
Net Income Growth	21.56%	2.43%	35.46%	-8.80%	6.26%	16.04%	Upgrade
Basic Shares Outstanding	2	2	2	2	-	-	Upgrade
Diluted Shares Outstanding	2	2	2	2	-	-	Upgrade
EPS (Basic)	11.43	9.80	10.40	8.53	-	-	Upgrade
EPS (Diluted)	11.43	9.80	10.40	8.52	-	-	Upgrade
EPS Growth	21.74%	-5.84%	22.11%	-	-	-	Upgrade
Dividend Per Share	12.500	12.500	8.200	6.500	6.500	6.000	Upgrade
Dividend Growth	52.44%	52.44%	26.15%	-	8.33%	33.33%	Upgrade
Effective Tax Rate	17.53%	20.67%	24.10%	21.88%	20.36%	20.06%	Upgrade

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