Jæren Sparebank 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	Mar '26 Mar 31, 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	1,068	1,072	1,023	839.66	492.75	319.79
Interest Income on Investments	45.85	44.37	19.79	27.51	38.47	32.95
Total Interest Income	1,114	1,116	1,043	867.17	531.22	352.75
Interest Paid on Deposits	664.96	662.53	609.27	460.92	199.39	95.09
Net Interest Income	449.01	453.51	433.56	406.25	331.83	257.66
Net Interest Income Growth (YoY)	3.74%	4.60%	6.72%	22.43%	28.79%	1.89%
Gain (Loss) on Sale of Investments	15.32	15.31	1.42	4.65	-8.5	-2.69
Gain (Loss) on Sale of Equity Investments	-0.94	-0.94	-0.87	3.28	15.62	1.22
Other Non-Interest Income	119.59	117.91	108.6	85.45	82.61	93.76
Total Non-Interest Income	133.97	132.29	109.15	93.38	89.73	92.29
Non-Interest Income Growth (YoY)	21.43%	21.19%	16.89%	4.06%	-2.77%	9.14%
Revenues Before Loan Losses	582.98	585.79	542.71	499.63	421.56	349.95
Provision for Loan Losses	-3.49	-4.9	-6.02	2.72	2.31	-2.39
Revenue	586.47	590.69	548.74	496.91	419.26	352.34
Revenue Growth (YoY)	6.78%	7.65%	10.43%	18.52%	18.99%	5.89%
Salaries and Employee Benefits	111.35	108.93	96.33	90.6	82.15	-
Occupancy Expenses	9.36	8.77	12.93	12.42	13.36	5.56
Selling, General & Administrative	16	16	14.2	10.23	9.76	121.83
Other Non-Interest Expense	94.5	94.63	89.07	96.62	99.89	35.28
Total Non-Interest Expense	231.21	228.32	212.53	209.87	205.16	162.68
EBT Excluding Unusual Items	355.27	362.37	336.21	287.04	214.1	189.67
Pretax Income	355.27	362.37	336.21	287.04	214.1	189.67
Income Tax Expense	52.3	55.16	61.15	47.9	27.45	38.43
Net Income	302.97	307.21	275.06	239.14	186.65	151.24
Preferred Dividends & Other Adjustments	153.88	153.88	138.41	120.59	91.82	74.34
Net Income to Common	149.08	153.33	136.65	118.56	94.83	76.9
Net Income Growth	11.53%	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	20.000	16.000	12.500	11.000
Dividend Growth	-	-	25.00%	28.00%	13.64%	46.67%
Effective Tax Rate	14.72%	15.22%	18.19%	16.69%	12.82%	20.26%