Kraft Bank ASA (OSL:KRAB)

Kraft Bank ASA Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	388.18	321.02	266.1	197.58	158.71
Interest Paid on Deposits	201.43	184.11	132.55	53.1	25.44
Net Interest Income	186.76	136.91	133.54	144.48	133.27
Net Interest Income Growth (YoY)	36.41%	2.52%	-7.57%	8.41%	54.56%
Gain (Loss) on Sale of Investments	10.94	10.3	7.4	-	-
Other Non-Interest Income	16.15	3	-2.41	2.04	-2.37
Total Non-Interest Income	27.09	13.3	4.99	2.04	-2.37
Non-Interest Income Growth (YoY)	103.68%	166.48%	144.78%	-	-
Revenues Before Loan Losses	213.84	150.21	138.53	146.52	130.9
Provision for Loan Losses	24.48	18.39	9.54	7.1	5.57
Revenue	189.36	131.82	128.99	139.42	125.33
Revenue Growth (YoY)	43.65%	2.19%	-7.47%	11.24%	51.32%
Salaries and Employee Benefits	56.86	54.61	45.69	50.96	43.63
Occupancy Expenses	8.58	5.74	5.45	4.36	3.86
Selling, General & Administrative	12.19	11.37	2.25	3.54	2.38
Other Non-Interest Expense	24.82	23.21	19.07	18.49	13.76
Total Non-Interest Expense	102.45	94.93	72.46	77.35	63.63
EBT Excluding Unusual Items	86.92	36.9	56.54	62.07	61.7
Pretax Income	86.92	36.9	56.54	62.07	61.7
Income Tax Expense	21.88	9.34	14.2	15.6	15.46
Net Income	65.04	27.56	42.34	46.47	46.24
Net Income to Common	65.04	27.56	42.34	46.47	46.24
Net Income Growth	135.99%	-34.90%	-8.89%	0.48%	72.12%
Basic Shares Outstanding	42	42	42	42	42
Diluted Shares Outstanding	45	45	42	42	42
Shares Change (YoY)	-	7.14%	-	-	-10.26%
EPS (Basic)	1.55	0.66	1.01	1.11	1.10
EPS (Diluted)	1.45	0.61	1.01	1.11	1.10
EPS Growth	137.71%	-39.49%	-8.89%	0.48%	93.16%
Dividend Per Share	0.760	0.370	0.300	-	0.250
Dividend Growth	105.40%	23.33%	-	-	-
Effective Tax Rate	25.17%	25.30%	25.12%	25.14%	25.05%

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