Kraft Bank ASA (OSL:KRAB)

Kraft Bank ASA 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	339.16	321.02	266.1	197.58	158.71	111.64
Interest Paid on Deposits	192.71	184.11	132.55	53.1	25.44	25.41
Net Interest Income	146.45	136.91	133.54	144.48	133.27	86.23
Net Interest Income Growth (YoY)	15.28%	2.52%	-7.57%	8.41%	54.56%	72.25%
Gain (Loss) on Sale of Investments	10.3	10.3	7.4	-	-	-
Other Non-Interest Income	6.48	3	-2.41	2.04	-2.37	1.25
Total Non-Interest Income	16.77	13.3	4.99	2.04	-2.37	1.25
Non-Interest Income Growth (YoY)	108.70%	166.48%	144.78%	-	-	-
Revenues Before Loan Losses	163.22	150.21	138.53	146.52	130.9	87.48
Provision for Loan Losses	18.11	18.39	9.54	7.1	5.57	4.66
Revenue	145.11	131.82	128.99	139.42	125.33	82.82
Revenue Growth (YoY)	17.80%	2.19%	-7.47%	11.24%	51.32%	89.57%
Salaries and Employee Benefits	55.7	54.61	45.69	50.96	43.63	32.14
Occupancy Expenses	6.28	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	23.53	23.21	19.07	18.49	13.76	10.52
Total Non-Interest Expense	96.88	94.93	72.46	77.35	63.63	47
EBT Excluding Unusual Items	48.22	36.9	56.54	62.07	61.7	35.83
Pretax Income	48.22	36.9	56.54	62.07	61.7	35.83
Income Tax Expense	12.17	9.34	14.2	15.6	15.46	8.96
Net Income	36.06	27.56	42.34	46.47	46.24	26.87
Net Income to Common	36.06	27.56	42.34	46.47	46.24	26.87
Net Income Growth	5.70%	-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)	0.86	0.66	1.01	1.11	1.10	0.64
EPS (Diluted)	0.80	0.61	1.01	1.11	1.10	0.57
EPS Growth	-1.65%	-39.49%	-8.89%	0.48%	93.16%	206.65%
Dividend Per Share	0.370	0.370	0.300	-	0.250	-
Dividend Growth	23.33%	23.33%	-	-	-	-
Effective Tax Rate	25.23%	25.30%	25.12%	25.14%	25.05%	25.01%

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