OSL:HSPG 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	411.84	390.85	354.29	238.35	173.68
Interest Income on Investments	74.91	71.67	59.12	37.87	23.43
Total Interest Income	486.76	462.52	413.41	276.21	197.11
Interest Paid on Deposits	339.56	320.45	265.3	131.33	62.43
Net Interest Income	147.2	142.06	148.1	144.89	134.69
Net Interest Income Growth (YoY)	3.62%	-4.08%	2.22%	7.57%	-1.10%
Gain (Loss) on Sale of Investments	1.02	5	1.99	-4.82	-4.41
Other Non-Interest Income	47.45	49.79	43.66	41.8	39.53
Total Non-Interest Income	48.47	54.79	45.65	36.98	35.12
Non-Interest Income Growth (YoY)	-11.53%	20.02%	23.45%	5.29%	13.83%
Revenues Before Loan Losses	195.67	196.86	193.76	181.87	169.81
Provision for Loan Losses	32.82	32.52	32.49	34.39	21.21
Revenue	162.85	164.34	161.27	147.48	148.6
Revenue Growth (YoY)	-0.90%	1.90%	9.35%	-0.75%	4.35%
Salaries and Employee Benefits	40.97	38.6	34.01	40.68	38.76
Occupancy Expenses	10.17	6.56	6.81	5.02	5.49
Selling, General & Administrative	7.29	7.41	7.1	6.94	1.37
Other Non-Interest Expense	46.73	41.97	47.59	36.86	36.01
Total Non-Interest Expense	105.16	94.54	95.51	89.5	81.63
EBT Excluding Unusual Items	57.69	69.8	65.76	57.99	66.98
Pretax Income	57.69	69.8	65.76	57.99	66.98
Income Tax Expense	10.26	14.77	14.96	11.19	14
Net Income	47.44	55.02	50.8	46.8	52.98
Preferred Dividends & Other Adjustments	42.72	48.42	43.93	40.06	44.84
Net Income to Common	4.71	6.6	6.88	6.74	8.14
Net Income Growth	-13.79%	8.30%	8.56%	-11.67%	-0.17%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	0.38%	-0.01%	-0.04%	0.03%	0.02%
EPS (Basic)	6.83	9.60	10.00	9.80	11.84
EPS (Diluted)	6.83	9.60	10.00	9.80	11.84
EPS Growth	-28.85%	-4.00%	2.04%	-17.23%	0.60%
Dividend Per Share	5.000	9.000	7.000	7.000	7.000
Dividend Growth	-44.44%	28.57%	-	-	40.00%
Effective Tax Rate	17.78%	21.17%	22.74%	19.30%	20.90%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.