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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	403.7	388.18	321.02	266.1	197.58	158.71
Interest Paid on Deposits	200.1	201.43	184.11	132.55	53.1	25.44
Net Interest Income	203.6	186.76	136.91	133.54	144.48	133.27
Net Interest Income Growth (YoY)	45.78%	36.41%	2.52%	-7.57%	8.41%	54.56%
Gain (Loss) on Sale of Investments	10.94	10.94	10.3	7.4	-	-
Other Non-Interest Income	17.92	16.15	3	-2.41	2.04	-2.37
Total Non-Interest Income	28.86	27.09	13.3	4.99	2.04	-2.37
Non-Interest Income Growth (YoY)	22.53%	103.68%	166.48%	144.78%	-	-
Revenues Before Loan Losses	232.47	213.84	150.21	138.53	146.52	130.9
Provision for Loan Losses	29.74	24.48	18.39	9.54	7.1	5.57
Revenue	202.73	189.36	131.82	128.99	139.42	125.33
Revenue Growth (YoY)	39.71%	43.65%	2.19%	-7.47%	11.24%	51.32%
Salaries and Employee Benefits	59.42	56.86	54.61	45.69	50.96	43.63
Occupancy Expenses	8.77	8.58	5.74	5.45	4.36	3.86
Selling, General & Administrative	12.19	12.19	11.37	2.25	3.54	2.38
Other Non-Interest Expense	27.42	24.82	23.21	19.07	18.49	13.76
Total Non-Interest Expense	107.8	102.45	94.93	72.46	77.35	63.63
EBT Excluding Unusual Items	94.93	86.92	36.9	56.54	62.07	61.7
Pretax Income	94.93	86.92	36.9	56.54	62.07	61.7
Income Tax Expense	23.88	21.88	9.34	14.2	15.6	15.46
Net Income	71.02	65.04	27.56	42.34	46.47	46.24
Net Income to Common	71.02	65.04	27.56	42.34	46.47	46.24
Net Income Growth	96.95%	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	0.760	0.370	0.300	-	0.250
Dividend Growth	105.40%	105.40%	23.33%	-	-	-
Effective Tax Rate	25.15%	25.17%	25.30%	25.12%	25.14%	25.05%