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	Jun '26 Jun 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	1,070	1,072	1,023	839.66	492.75	319.79
Interest Income on Investments	41.97	44.37	19.79	27.51	38.47	32.95
Total Interest Income	1,112	1,116	1,043	867.17	531.22	352.75
Interest Paid on Deposits	672.31	662.53	609.27	460.92	199.39	95.09
Net Interest Income	439.81	453.51	433.56	406.25	331.83	257.66
Net Interest Income Growth	-2.80%	4.60%	6.72%	22.43%	28.79%	1.89%
Gain (Loss) on Sale of Investments	15.84	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	114.41	117.91	108.6	85.45	82.61	93.76
Total Non-Interest Income	129.31	132.29	109.15	93.38	89.73	92.29
Non-Interest Income Growth	8.56%	21.19%	16.89%	4.06%	-2.77%	9.14%
Revenues Before Loan Losses	569.12	585.79	542.71	499.63	421.56	349.95
Provision for Loan Losses	-6.12	-4.9	-6.02	2.72	2.31	-2.39
Revenue	575.24	590.69	548.74	496.91	419.26	352.34
Revenue Growth	0.53%	7.65%	10.43%	18.52%	18.99%	5.89%
Salaries and Employee Benefits	114.98	108.93	96.33	90.6	82.15	-
Occupancy Expenses	10.06	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	96.35	94.63	89.07	96.62	99.89	35.28
Total Non-Interest Expense	237.39	228.32	212.53	209.87	205.16	162.68
EBT Excluding Unusual Items	337.85	362.37	336.21	287.04	214.1	189.67
Pretax Income	337.85	362.37	336.21	287.04	214.1	189.67
Income Tax Expense	48.36	55.16	61.15	47.9	27.45	38.43
Net Income	289.49	307.21	275.06	239.14	186.65	151.24
Preferred Dividends & Other Adjustments	145.07	153.88	138.41	120.59	91.82	74.34
Net Income to Common	144.43	153.33	136.65	118.56	94.83	76.9
Net Income Growth	-1.94%	12.20%	15.26%	25.02%	23.32%	37.56%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change	0.16%	-	-	-	-	-
EPS (Basic)	29.28	31.08	27.70	24.04	19.23	15.59
EPS (Diluted)	29.28	31.08	27.70	24.04	19.20	15.59
EPS Growth	-2.08%	12.22%	15.25%	25.19%	23.16%	37.56%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	20.000	20.000	20.000	16.000	12.500	11.000
Dividend Growth	0%	0%	25.00%	28.00%	13.64%	46.67%
Effective Tax Rate	14.31%	15.22%	18.19%	16.69%	12.82%	20.26%