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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	359.21	321.02	266.1	197.58	158.71	111.64
Interest Paid on Deposits	198.17	184.11	132.55	53.1	25.44	25.41
Net Interest Income	161.04	136.91	133.54	144.48	133.27	86.23
Net Interest Income Growth (YoY)	33.17%	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	12.31	3	-2.41	2.04	-2.37	1.25
Total Non-Interest Income	22.6	13.3	4.99	2.04	-2.37	1.25
Non-Interest Income Growth (YoY)	230.74%	166.48%	144.78%	-	-	-
Revenues Before Loan Losses	183.64	150.21	138.53	146.52	130.9	87.48
Provision for Loan Losses	18.62	18.39	9.54	7.1	5.57	4.66
Revenue	165.02	131.82	128.99	139.42	125.33	82.82
Revenue Growth (YoY)	49.51%	2.19%	-7.47%	11.24%	51.32%	89.57%
Salaries and Employee Benefits	55.06	54.61	45.69	50.96	43.63	32.14
Occupancy Expenses	7.27	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	24.23	23.21	19.07	18.49	13.76	10.52
Total Non-Interest Expense	97.93	94.93	72.46	77.35	63.63	47
EBT Excluding Unusual Items	67.09	36.9	56.54	62.07	61.7	35.83
Pretax Income	67.09	36.9	56.54	62.07	61.7	35.83
Income Tax Expense	17.07	9.34	14.2	15.6	15.46	8.96
Net Income	50.02	27.56	42.34	46.47	46.24	26.87
Net Income to Common	50.02	27.56	42.34	46.47	46.24	26.87
Net Income Growth	155.53%	-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)	1.19	0.66	1.01	1.11	1.10	0.64
EPS (Diluted)	1.11	0.61	1.01	1.11	1.10	0.57
EPS Growth	137.97%	-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	25.44%	25.30%	25.12%	25.14%	25.05%	25.01%

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