Jæren Sparebank (OSL:JAREN)

Jæren Sparebank 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,071	1,023	839.66	492.75	319.79	365.68
Interest Income on Investments	35.33	19.79	27.51	38.47	32.95	34.55
Total Interest Income	1,106	1,043	867.17	531.22	352.75	400.23
Interest Paid on Deposits	657.13	609.27	460.92	199.39	95.09	147.35
Net Interest Income	449.1	433.56	406.25	331.83	257.66	252.88
Net Interest Income Growth (YoY)	4.64%	6.72%	22.43%	28.79%	1.89%	-8.41%
Gain (Loss) on Sale of Investments	6.69	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	117.03	108.6	85.45	82.61	93.76	82.29
Total Non-Interest Income	122.85	109.15	93.38	89.73	92.29	84.56
Non-Interest Income Growth (YoY)	15.50%	16.89%	4.06%	-2.77%	9.14%	5.99%
Revenues Before Loan Losses	571.95	542.71	499.63	421.56	349.95	337.43
Provision for Loan Losses	-1.07	-6.02	2.72	2.31	-2.39	4.69
Revenue	573.02	548.74	496.91	419.26	352.34	332.74
Revenue Growth (YoY)	5.74%	10.43%	18.52%	18.99%	5.89%	-6.84%
Salaries and Employee Benefits	108.22	96.33	90.6	82.15	-	-
Occupancy Expenses	9.62	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	93.27	89.07	96.62	99.89	35.28	29.09
Total Non-Interest Expense	225.3	212.53	209.87	205.16	162.68	158.04
EBT Excluding Unusual Items	347.72	336.21	287.04	214.1	189.67	174.71
Other Unusual Items	-	-	-	-	-	-37.71
Pretax Income	347.72	336.21	287.04	214.1	189.67	137
Income Tax Expense	55.03	61.15	47.9	27.45	38.43	25.33
Net Income	292.69	275.06	239.14	186.65	151.24	111.67
Preferred Dividends & Other Adjustments	146.98	138.41	120.59	91.82	74.34	55.77
Net Income to Common	145.71	136.65	118.56	94.83	76.9	55.9
Net Income Growth	8.26%	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
EPS (Basic)	29.54	27.70	24.04	19.23	15.59	11.33
EPS (Diluted)	29.54	27.70	24.04	19.20	15.59	11.33
EPS Growth	8.53%	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	15.83%	18.19%	16.69%	12.82%	20.26%	18.49%

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