Nidaros Sparebank Income Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	250.07	250.28	203.21	129.09	95.33
Interest Income on Investments	27.57	27.05	23.31	14.09	9.72
Total Interest Income	277.64	277.33	226.52	143.18	105.05
Interest Paid on Deposits	162.98	162.21	111.9	49.79	26.67
Total Interest Expense	162.98	162.21	111.9	49.79	26.67
Net Interest Income	114.66	115.13	114.62	93.39	78.38
Net Interest Income Growth (YoY)	-0.40%	0.44%	22.73%	19.15%	-0.05%
Gain (Loss) on Sale of Investments	6.96	6.77	2.54	-1.97	0.06
Other Non-Interest Income	19.03	16.36	11.81	10.63	16.55
Total Non-Interest Income	25.98	23.13	14.36	8.66	16.61
Non-Interest Income Growth (YoY)	12.34%	61.10%	65.75%	-47.86%	2.00%
Revenues Before Loan Losses	140.65	138.26	128.98	102.05	94.99
Provision for Loan Losses	-2.64	5.43	4.8	3.35	-4.29
Revenue	143.29	132.83	124.18	98.7	99.28
Revenue Growth (YoY)	7.88%	6.96%	25.82%	-0.59%	11.11%
Salaries and Employee Benefits	43.88	44.98	38.68	32.88	30.37
Occupancy Expenses	3.51	3.21	4.11	2.74	2.24
Selling, General & Administrative	2.97	3.78	2.96	1.03	2.71
Other Non-Interest Expense	39.26	37.61	36.11	27.79	28.69
Total Non-Interest Expense	89.61	89.57	81.86	64.43	64.01
EBT Excluding Unusual Items	53.67	43.26	42.32	34.27	35.27
Pretax Income	53.67	43.26	42.32	34.27	35.27
Income Tax Expense	10.22	8.27	8.94	7.14	7.52
Net Income	43.46	34.99	33.38	27.13	27.75
Preferred Dividends & Other Adjustments	34.43	26.7	26.99	20.68	20.68
Net Income to Common	9.03	8.29	6.39	6.45	7.08
Net Income Growth	24.19%	4.83%	23.03%	-2.24%	0.38%
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)	8.00	7.35	5.68	5.73	6.28
EPS (Diluted)	8.00	7.35	5.68	5.73	6.28
EPS Growth	8.90%	29.39%	-0.88%	-8.83%	1.42%
Dividend Per Share	5.750	5.870	5.670	8.600	5.860
Dividend Growth	-2.04%	3.53%	-34.07%	46.76%	9.13%
Effective Tax Rate	19.03%	19.11%	21.13%	20.83%	21.32%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.