Nidaros Sparebank (OSL:NISB)

Nidaros Sparebank 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	252.87	250.28	203.21	129.09	95.33	106.99
Interest Income on Investments	24.72	27.05	23.31	14.09	9.72	11.44
Total Interest Income	277.59	277.33	226.52	143.18	105.05	118.43
Interest Paid on Deposits	160.97	162.21	111.9	49.79	26.67	40.01
Total Interest Expense	160.97	162.21	111.9	49.79	26.67	40.01
Net Interest Income	116.62	115.13	114.62	93.39	78.38	78.42
Net Interest Income Growth (YoY)	1.86%	0.44%	22.73%	19.15%	-0.05%	-4.14%
Gain (Loss) on Sale of Investments	7.22	6.77	2.54	-1.97	0.06	0.87
Other Non-Interest Income	17.4	16.36	11.81	10.63	16.55	15.42
Total Non-Interest Income	24.63	23.13	14.36	8.66	16.61	16.29
Non-Interest Income Growth (YoY)	26.52%	61.10%	65.75%	-47.86%	2.00%	-9.56%
Revenues Before Loan Losses	141.25	138.26	128.98	102.05	94.99	94.71
Provision for Loan Losses	1.64	5.43	4.8	3.35	-4.29	5.35
Revenue	139.61	132.83	124.18	98.7	99.28	89.35
Revenue Growth (YoY)	6.27%	6.96%	25.82%	-0.59%	11.11%	-6.32%
Salaries and Employee Benefits	45.56	44.98	38.68	32.88	30.37	26.05
Occupancy Expenses	3.56	3.21	4.11	2.74	2.24	1.36
Selling, General & Administrative	3.78	3.78	2.96	1.03	2.71	3.68
Other Non-Interest Expense	39.11	37.61	36.11	27.79	28.69	23.81
Total Non-Interest Expense	92.01	89.57	81.86	64.43	64.01	54.89
EBT Excluding Unusual Items	47.6	43.26	42.32	34.27	35.27	34.46
Pretax Income	47.6	43.26	42.32	34.27	35.27	34.46
Income Tax Expense	9.78	8.27	8.94	7.14	7.52	6.81
Net Income	37.82	34.99	33.38	27.13	27.75	27.65
Preferred Dividends & Other Adjustments	26.7	26.7	26.99	20.68	20.68	20.67
Net Income to Common	11.12	8.29	6.39	6.45	7.08	6.98
Net Income Growth	17.30%	4.83%	23.03%	-2.24%	0.38%	-10.63%
Basic Shares Outstanding	-	1	1	1	1	1
Diluted Shares Outstanding	-	1	1	1	1	1
Shares Change (YoY)	-	0.24%	-	-	-0.01%	-
EPS (Basic)	-	7.35	5.68	5.73	6.28	6.20
EPS (Diluted)	-	7.35	5.68	5.73	6.28	6.20
EPS Growth	-	29.40%	-0.88%	-8.83%	1.42%	-
Dividend Per Share	5.870	5.870	5.670	8.600	5.860	5.370
Dividend Growth	3.53%	3.53%	-34.07%	46.76%	9.13%	-2.54%
Effective Tax Rate	20.55%	19.11%	21.13%	20.83%	21.32%	19.77%

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