OSL:HSPG Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	411.84	390.85	354.29	238.35	173.68
Interest Income on Investments	62.11	74.91	71.67	59.12	37.87	23.43
Total Interest Income	473.95	486.76	462.52	413.41	276.21	197.11
Interest Paid on Deposits	330.73	339.56	320.45	265.3	131.33	62.43
Net Interest Income	143.23	147.2	142.06	148.1	144.89	134.69
Net Interest Income Growth	-1.45%	3.62%	-4.08%	2.22%	7.57%	-1.10%
Gain (Loss) on Sale of Investments	-2.61	1.02	5	1.99	-4.82	-4.41
Other Non-Interest Income	47.83	47.45	49.79	43.66	41.8	39.53
Total Non-Interest Income	45.22	48.47	54.79	45.65	36.98	35.12
Non-Interest Income Growth	-15.41%	-11.53%	20.02%	23.45%	5.29%	13.83%
Revenues Before Loan Losses	188.45	195.67	196.86	193.76	181.87	169.81
Provision for Loan Losses	71.42	32.82	32.52	32.49	34.39	21.21
Revenue	117.02	162.85	164.34	161.27	147.48	148.6
Revenue Growth	-31.30%	-0.90%	1.90%	9.35%	-0.75%	4.35%
Salaries and Employee Benefits	41.35	40.97	38.6	34.01	40.68	38.76
Occupancy Expenses	12.46	10.17	6.56	6.81	5.02	5.49
Selling, General & Administrative	7.29	7.29	7.41	7.1	6.94	1.37
Other Non-Interest Expense	56.94	46.73	41.97	47.59	36.86	36.01
Total Non-Interest Expense	118.04	105.16	94.54	95.51	89.5	81.63
EBT Excluding Unusual Items	-1.01	57.69	69.8	65.76	57.99	66.98
Pretax Income	-1.01	57.69	69.8	65.76	57.99	66.98
Income Tax Expense	-4.24	10.26	14.77	14.96	11.19	14
Net Income	3.23	47.44	55.02	50.8	46.8	52.98
Preferred Dividends & Other Adjustments	42.72	42.72	48.42	43.93	40.06	44.84
Net Income to Common	-39.49	4.71	6.6	6.88	6.74	8.14
Net Income Growth	-	-28.59%	-4.01%	2.00%	-17.21%	0.62%
Basic Shares Outstanding	-	1	1	1	1	1
Diluted Shares Outstanding	-	1	1	1	1	1
Shares Change	-	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%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	5.000	5.000	9.000	7.000	7.000	7.000
Dividend Growth	-44.44%	-44.44%	28.57%	0%	0%	40.00%
Effective Tax Rate	-	17.78%	21.17%	22.74%	19.30%	20.90%