Jæren Sparebank (OSL:JAREN)

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	1,060	1,023	839.66	492.75	319.79	365.68
Interest Income on Investments	35.88	19.79	27.51	38.47	32.95	34.55
Total Interest Income	1,096	1,043	867.17	531.22	352.75	400.23
Interest Paid on Deposits	643.13	609.27	460.92	199.39	95.09	147.35
Net Interest Income	452.49	433.56	406.25	331.83	257.66	252.88
Net Interest Income Growth (YoY)	7.68%	6.72%	22.43%	28.79%	1.89%	-8.41%
Gain (Loss) on Sale of Investments	4.57	1.42	4.65	-8.5	-2.69	1.12
Gain (Loss) on Sale of Equity Investments	-0.87	-0.87	3.28	15.62	1.22	1.15
Other Non-Interest Income	115.41	108.6	85.45	82.61	93.76	82.29
Total Non-Interest Income	119.11	109.15	93.38	89.73	92.29	84.56
Non-Interest Income Growth (YoY)	14.66%	16.89%	4.06%	-2.77%	9.14%	5.99%
Revenues Before Loan Losses	571.6	542.71	499.63	421.56	349.95	337.43
Provision for Loan Losses	-0.59	-6.02	2.72	2.31	-2.39	4.69
Revenue	572.19	548.74	496.91	419.26	352.34	332.74
Revenue Growth (YoY)	8.47%	10.43%	18.52%	18.99%	5.89%	-6.84%
Salaries and Employee Benefits	104.93	96.33	90.6	82.15	-	-
Occupancy Expenses	10.66	12.93	12.42	13.36	5.56	9.24
Selling, General & Administrative	14.2	14.2	10.23	9.76	121.83	119.71
Other Non-Interest Expense	89.93	89.07	96.62	99.89	35.28	29.09
Total Non-Interest Expense	219.71	212.53	209.87	205.16	162.68	158.04
EBT Excluding Unusual Items	352.48	336.21	287.04	214.1	189.67	174.71
Other Unusual Items	-	-	-	-	-	-37.71
Pretax Income	352.48	336.21	287.04	214.1	189.67	137
Income Tax Expense	56.83	61.15	47.9	27.45	38.43	25.33
Net Income	295.65	275.06	239.14	186.65	151.24	111.67
Preferred Dividends & Other Adjustments	148.37	138.41	120.59	91.82	74.34	55.77
Net Income to Common	147.28	136.65	118.56	94.83	76.9	55.9
Net Income Growth	13.31%	15.02%	28.13%	23.41%	35.44%	-27.39%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	-0.17%	-	-	-	-	-
EPS (Basic)	29.90	27.70	24.04	19.23	15.59	11.33
EPS (Diluted)	29.90	27.70	24.04	19.20	15.59	11.33
EPS Growth	13.92%	15.25%	25.19%	23.16%	37.56%	-30.47%
Dividend Per Share	20.000	20.000	16.000	12.500	11.000	7.500
Dividend Growth	25.00%	25.00%	28.00%	13.64%	46.67%	-
Effective Tax Rate	16.12%	18.19%	16.69%	12.82%	20.26%	18.49%

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