Sparebanken Møre 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	5,999	5,968	4,916	2,730	1,723	1,954
Interest Income on Investments	102	-	-	-	-	-
Total Interest Income	6,101	5,968	4,916	2,730	1,723	1,954
Interest Paid on Deposits	4,084	3,897	3,016	1,213	457	727
Total Interest Expense	4,084	3,897	3,016	1,213	457	727
Net Interest Income	2,017	2,071	1,900	1,517	1,266	1,227
Net Interest Income Growth (YoY)	-2.18%	9.00%	25.25%	19.83%	3.18%	-6.62%
Gain (Loss) on Sale of Investments	2	-17	8	-51	-5	-8
Other Non-Interest Income	353	347	287	290	266	288
Total Non-Interest Income	355	330	295	239	261	280
Non-Interest Income Growth (YoY)	8.23%	11.86%	23.43%	-8.43%	-6.79%	-4.44%
Revenues Before Loan Losses	2,372	2,401	2,195	1,756	1,527	1,507
Provision for Loan Losses	92	20	-53	-4	49	149
Revenue	2,280	2,381	2,248	1,760	1,478	1,358
Revenue Growth (YoY)	-9.09%	5.92%	27.73%	19.08%	8.84%	-12.78%
Salaries and Employee Benefits	451	437	400	364	304	284
Occupancy Expenses	61	55	49	46	45	46
Selling, General & Administrative	47	51	55	44	35	35
Other Non-Interest Expense	431	412	355	293	261	259
Total Non-Interest Expense	990	955	859	747	645	624
EBT Excluding Unusual Items	1,290	1,426	1,389	1,013	833	734
Pretax Income	1,290	1,426	1,389	1,013	833	734
Income Tax Expense	306	340	334	236	191	167
Net Income	984	1,086	1,055	777	642	567
Preferred Dividends & Other Adjustments	536	584	555	406	334	299
Net Income to Common	448	502	500	371	308	268
Net Income Growth	-16.25%	2.94%	35.78%	21.03%	13.23%	-20.25%
Basic Shares Outstanding	50	49	49	49	49	49
Diluted Shares Outstanding	50	49	49	49	49	49
Shares Change (YoY)	0.57%	0.26%	-0.08%	-0.04%	0.00%	0.03%
EPS (Basic)	9.03	10.16	10.15	7.52	6.24	5.43
EPS (Diluted)	9.03	10.16	10.15	7.52	6.24	5.43
EPS Growth	-19.59%	0.14%	34.88%	20.50%	14.92%	-21.43%
Dividend Per Share	6.250	6.250	7.500	4.000	3.200	0.900
Dividend Growth	-16.67%	-16.67%	87.50%	25.00%	255.56%	-67.86%
Effective Tax Rate	23.72%	23.84%	24.05%	23.30%	22.93%	22.75%

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