Jæren Sparebank 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	1,072	1,023	839.66	492.75	319.79
Interest Income on Investments	44.37	19.79	27.51	38.47	32.95
Total Interest Income	1,116	1,043	867.17	531.22	352.75
Interest Paid on Deposits	662.53	609.27	460.92	199.39	95.09
Net Interest Income	453.51	433.56	406.25	331.83	257.66
Net Interest Income Growth (YoY)	4.60%	6.72%	22.43%	28.79%	1.89%
Gain (Loss) on Sale of Investments	15.31	1.42	4.65	-8.5	-2.69
Gain (Loss) on Sale of Equity Investments	-0.94	-0.87	3.28	15.62	1.22
Other Non-Interest Income	117.91	108.6	85.45	82.61	93.76
Total Non-Interest Income	132.29	109.15	93.38	89.73	92.29
Non-Interest Income Growth (YoY)	21.19%	16.89%	4.06%	-2.77%	9.14%
Revenues Before Loan Losses	585.79	542.71	499.63	421.56	349.95
Provision for Loan Losses	-4.9	-6.02	2.72	2.31	-2.39
Revenue	590.69	548.74	496.91	419.26	352.34
Revenue Growth (YoY)	7.65%	10.43%	18.52%	18.99%	5.89%
Salaries and Employee Benefits	108.93	96.33	90.6	82.15	-
Occupancy Expenses	8.77	12.93	12.42	13.36	5.56
Selling, General & Administrative	16	14.2	10.23	9.76	121.83
Other Non-Interest Expense	94.63	89.07	96.62	99.89	35.28
Total Non-Interest Expense	228.32	212.53	209.87	205.16	162.68
EBT Excluding Unusual Items	362.37	336.21	287.04	214.1	189.67
Pretax Income	362.37	336.21	287.04	214.1	189.67
Income Tax Expense	55.16	61.15	47.9	27.45	38.43
Net Income	307.21	275.06	239.14	186.65	151.24
Preferred Dividends & Other Adjustments	153.88	138.41	120.59	91.82	74.34
Net Income to Common	153.33	136.65	118.56	94.83	76.9
Net Income Growth	11.69%	15.02%	28.13%	23.41%	35.44%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
EPS (Basic)	31.08	27.70	24.04	19.23	15.59
EPS (Diluted)	31.08	27.70	24.04	19.20	15.59
EPS Growth	12.22%	15.25%	25.19%	23.16%	37.56%
Dividend Per Share	20.000	20.000	16.000	12.500	11.000
Dividend Growth	-	25.00%	28.00%	13.64%	46.67%
Effective Tax Rate	15.22%	18.19%	16.69%	12.82%	20.26%

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