Melhus Sparebank 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	628.84	623.95	533.12	316.08	228.98	253.97
Interest Income on Investments	55.24	46.99	45.78	29.67	-	-
Total Interest Income	684.09	670.93	578.9	345.75	228.98	253.97
Interest Paid on Deposits	408.44	401.7	315.46	138.83	64.9	106.05
Net Interest Income	275.65	269.23	263.44	206.92	164.08	147.93
Net Interest Income Growth (YoY)	2.72%	2.20%	27.31%	26.11%	10.92%	-4.94%
Gain (Loss) on Sale of Investments	-0.3	-	-	4.36	3.55	6.61
Other Non-Interest Income	77.62	74.88	78.88	49.56	65.94	57.57
Total Non-Interest Income	77.32	74.88	78.88	53.92	69.49	64.17
Non-Interest Income Growth (YoY)	-11.27%	-5.07%	46.28%	-22.40%	8.29%	-2.72%
Revenues Before Loan Losses	352.96	344.12	342.32	260.85	233.58	212.1
Provision for Loan Losses	13.4	15.7	22.69	8.68	-8.07	5.88
Revenue	339.57	328.42	319.63	252.17	241.65	206.22
Revenue Growth (YoY)	2.16%	2.75%	26.75%	4.35%	17.18%	-6.86%
Salaries and Employee Benefits	83.95	79.3	70.79	62.9	58.27	52.08
Occupancy Expenses	4.46	5.77	9.62	6.1	9.09	3.95
Selling, General & Administrative	7.5	7.5	6.64	6.82	3.45	1.59
Other Non-Interest Expense	55.48	56.13	55.54	41.41	43.58	40.82
Total Non-Interest Expense	151.38	148.7	142.59	117.22	108.55	95.67
EBT Excluding Unusual Items	188.19	179.72	177.03	134.95	133.09	110.55
Other Unusual Items	-	-	-	-9.7	-	-
Pretax Income	188.19	179.72	177.03	125.25	133.09	110.55
Income Tax Expense	40.4	40.21	41.68	24.63	27.86	22.34
Earnings From Continuing Operations	147.79	139.51	135.35	100.62	105.24	88.21
Net Income	147.79	139.51	135.35	100.62	105.24	88.21
Preferred Dividends & Other Adjustments	104.73	97.09	90.67	65.3	66.65	55.33
Net Income to Common	43.06	42.42	44.68	35.31	38.59	32.88
Net Income Growth	27.45%	3.07%	34.52%	-4.39%	19.31%	-9.61%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	0.03%	-	-	-	-	-
EPS (Basic)	15.51	15.28	16.09	12.72	13.90	11.84
EPS (Diluted)	15.51	15.28	16.09	12.72	13.90	11.84
EPS Growth	21.29%	-5.06%	26.52%	-8.49%	17.38%	-13.18%
Dividend Per Share	13.500	13.500	12.500	11.000	10.500	7.000
Dividend Growth	8.00%	8.00%	13.64%	4.76%	50.00%	-30.00%
Effective Tax Rate	21.47%	22.38%	23.54%	19.66%	20.93%	20.21%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.