Høland og Setskog Sparebank (OSL:HSPG)

OSL:HSPG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	403.41	390.85	354.29	238.35	173.68	192.82
Interest Income on Investments	73.31	71.67	59.12	37.87	23.43	23.99
Total Interest Income	476.71	462.52	413.41	276.21	197.11	216.81
Interest Paid on Deposits	334.28	320.45	265.3	131.33	62.43	80.62
Net Interest Income	142.43	142.06	148.1	144.89	134.69	136.18
Net Interest Income Growth (YoY)	-0.37%	-4.08%	2.22%	7.57%	-1.10%	5.68%
Gain (Loss) on Sale of Investments	7.34	5	1.99	-4.82	-4.41	-3.05
Other Non-Interest Income	50.69	49.79	43.66	41.8	39.53	33.9
Total Non-Interest Income	58.02	54.79	45.65	36.98	35.12	30.86
Non-Interest Income Growth (YoY)	14.90%	20.02%	23.45%	5.29%	13.83%	2.76%
Revenues Before Loan Losses	200.45	196.86	193.76	181.87	169.81	167.04
Provision for Loan Losses	21.82	32.52	32.49	34.39	21.21	24.63
Revenue	178.63	164.34	161.27	147.48	148.6	142.41
Revenue Growth (YoY)	14.07%	1.90%	9.35%	-0.75%	4.35%	-0.40%
Salaries and Employee Benefits	40.6	38.6	34.01	40.68	38.76	33.36
Occupancy Expenses	7.27	6.56	6.81	5.02	5.49	4.77
Selling, General & Administrative	7.41	7.41	7.1	6.94	1.37	3.27
Other Non-Interest Expense	43.39	41.97	47.59	36.86	36.01	34.16
Total Non-Interest Expense	98.66	94.54	95.51	89.5	81.63	75.55
EBT Excluding Unusual Items	79.97	69.8	65.76	57.99	66.98	66.86
Pretax Income	79.97	69.8	65.76	57.99	66.98	66.86
Income Tax Expense	15.77	14.77	14.96	11.19	14	13.79
Net Income	64.2	55.02	50.8	46.8	52.98	53.07
Preferred Dividends & Other Adjustments	56.45	48.42	43.93	40.06	44.84	44.98
Net Income to Common	7.75	6.6	6.88	6.74	8.14	8.09
Net Income Growth	38.36%	8.30%	8.56%	-11.67%	-0.17%	-5.33%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	-12.98%	-0.01%	-0.04%	0.03%	0.02%	-0.06%
EPS (Basic)	11.49	9.60	10.00	9.80	11.84	11.77
EPS (Diluted)	11.49	9.60	10.00	9.80	11.84	11.77
EPS Growth	37.09%	-4.00%	2.04%	-17.23%	0.60%	-9.51%
Dividend Per Share	9.000	9.000	7.000	7.000	7.000	5.000
Dividend Growth	28.57%	28.57%	-	-	40.00%	-37.50%
Effective Tax Rate	19.73%	21.17%	22.74%	19.30%	20.90%	20.62%

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