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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	250.6	250.28	203.21	129.09	95.33	106.99
Interest Income on Investments	27.3	27.05	23.31	14.09	9.72	11.44
Total Interest Income	277.89	277.33	226.52	143.18	105.05	118.43
Interest Paid on Deposits	163.24	162.21	111.9	49.79	26.67	40.01
Total Interest Expense	163.24	162.21	111.9	49.79	26.67	40.01
Net Interest Income	114.65	115.13	114.62	93.39	78.38	78.42
Net Interest Income Growth (YoY)	-1.84%	0.44%	22.73%	19.15%	-0.05%	-4.14%
Gain (Loss) on Sale of Investments	7.24	6.77	2.54	-1.97	0.06	0.87
Other Non-Interest Income	15.78	16.36	11.81	10.63	16.55	15.42
Total Non-Interest Income	23.01	23.13	14.36	8.66	16.61	16.29
Non-Interest Income Growth (YoY)	40.99%	61.10%	65.75%	-47.86%	2.00%	-9.56%
Revenues Before Loan Losses	137.67	138.26	128.98	102.05	94.99	94.71
Provision for Loan Losses	4.83	5.43	4.8	3.35	-4.29	5.35
Revenue	132.84	132.83	124.18	98.7	99.28	89.35
Revenue Growth (YoY)	3.31%	6.96%	25.82%	-0.59%	11.11%	-6.32%
Salaries and Employee Benefits	46.72	44.98	38.68	32.88	30.37	26.05
Occupancy Expenses	3.24	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	38.05	37.61	36.11	27.79	28.69	23.81
Total Non-Interest Expense	91.79	89.57	81.86	64.43	64.01	54.89
EBT Excluding Unusual Items	41.05	43.26	42.32	34.27	35.27	34.46
Pretax Income	41.05	43.26	42.32	34.27	35.27	34.46
Income Tax Expense	7.96	8.27	8.94	7.14	7.52	6.81
Net Income	33.09	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	6.39	8.29	6.39	6.45	7.08	6.98
Net Income Growth	-5.21%	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	19.39%	19.11%	21.13%	20.83%	21.32%	19.77%

Updated Mar 12, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.