Kraft Bank ASA Income Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	379.99	321.02	266.1	197.58	158.71	111.64
Interest Paid on Deposits	203.66	184.11	132.55	53.1	25.44	25.41
Net Interest Income	176.33	136.91	133.54	144.48	133.27	86.23
Net Interest Income Growth (YoY)	41.40%	2.52%	-7.57%	8.41%	54.56%	72.25%
Gain (Loss) on Sale of Investments	10.71	10.3	7.4	-	-	-
Other Non-Interest Income	13.68	3	-2.41	2.04	-2.37	1.25
Total Non-Interest Income	24.38	13.3	4.99	2.04	-2.37	1.25
Non-Interest Income Growth (YoY)	166.81%	166.48%	144.78%	-	-	-
Revenues Before Loan Losses	200.72	150.21	138.53	146.52	130.9	87.48
Provision for Loan Losses	24.98	18.39	9.54	7.1	5.57	4.66
Revenue	175.74	131.82	128.99	139.42	125.33	82.82
Revenue Growth (YoY)	52.02%	2.19%	-7.47%	11.24%	51.32%	89.57%
Salaries and Employee Benefits	57.12	54.61	45.69	50.96	43.63	32.14
Occupancy Expenses	8.1	5.74	5.45	4.36	3.86	2.98
Selling, General & Administrative	11.37	11.37	2.25	3.54	2.38	1.37
Other Non-Interest Expense	24.2	23.21	19.07	18.49	13.76	10.52
Total Non-Interest Expense	100.79	94.93	72.46	77.35	63.63	47
EBT Excluding Unusual Items	74.95	36.9	56.54	62.07	61.7	35.83
Pretax Income	74.95	36.9	56.54	62.07	61.7	35.83
Income Tax Expense	19.03	9.34	14.2	15.6	15.46	8.96
Net Income	55.92	27.56	42.34	46.47	46.24	26.87
Net Income to Common	55.92	27.56	42.34	46.47	46.24	26.87
Net Income Growth	183.04%	-34.90%	-8.89%	0.48%	72.12%	244.14%
Basic Shares Outstanding	42	42	42	42	42	42
Diluted Shares Outstanding	45	45	42	42	42	47
Shares Change (YoY)	7.14%	7.14%	-	-	-10.26%	11.43%
EPS (Basic)	1.33	0.66	1.01	1.11	1.10	0.64
EPS (Diluted)	1.24	0.61	1.01	1.11	1.10	0.57
EPS Growth	163.65%	-39.49%	-8.89%	0.48%	93.16%	206.65%
Dividend Per Share	-	0.370	0.300	-	0.250	-
Dividend Growth	-	23.33%	-	-	-	-
Effective Tax Rate	25.39%	25.30%	25.12%	25.14%	25.05%	25.01%

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