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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	251.52	250.28	203.21	129.09	95.33	106.99
Interest Income on Investments	27.15	27.05	23.31	14.09	9.72	11.44
Total Interest Income	278.66	277.33	226.52	143.18	105.05	118.43
Interest Paid on Deposits	161.99	162.21	111.9	49.79	26.67	40.01
Total Interest Expense	161.99	162.21	111.9	49.79	26.67	40.01
Net Interest Income	116.67	115.13	114.62	93.39	78.38	78.42
Net Interest Income Growth (YoY)	1.96%	0.44%	22.73%	19.15%	-0.05%	-4.14%
Gain (Loss) on Sale of Investments	5.46	6.77	2.54	-1.97	0.06	0.87
Other Non-Interest Income	15.96	16.36	11.81	10.63	16.55	15.42
Total Non-Interest Income	21.42	23.13	14.36	8.66	16.61	16.29
Non-Interest Income Growth (YoY)	27.37%	61.10%	65.75%	-47.86%	2.00%	-9.56%
Revenues Before Loan Losses	138.09	138.26	128.98	102.05	94.99	94.71
Provision for Loan Losses	3.56	5.43	4.8	3.35	-4.29	5.35
Revenue	134.53	132.83	124.18	98.7	99.28	89.35
Revenue Growth (YoY)	5.51%	6.96%	25.82%	-0.59%	11.11%	-6.32%
Salaries and Employee Benefits	45.64	44.98	38.68	32.88	30.37	26.05
Occupancy Expenses	3.44	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	40.18	37.61	36.11	27.79	28.69	23.81
Total Non-Interest Expense	93.03	89.57	81.86	64.43	64.01	54.89
EBT Excluding Unusual Items	41.5	43.26	42.32	34.27	35.27	34.46
Pretax Income	41.5	43.26	42.32	34.27	35.27	34.46
Income Tax Expense	7.99	8.27	8.94	7.14	7.52	6.81
Net Income	33.51	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	6.81	8.29	6.39	6.45	7.08	6.98
Net Income Growth	3.96%	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	19.26%	19.11%	21.13%	20.83%	21.32%	19.77%

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