Nidaros Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	255.35	250.07	250.28	203.21	129.09	95.33
Interest Income on Investments	39.87	27.57	27.05	23.31	14.09	9.72
Total Interest Income	295.23	277.64	277.33	226.52	143.18	105.05
Interest Paid on Deposits	177.45	162.98	162.21	111.9	49.79	26.67
Total Interest Expense	177.45	162.98	162.21	111.9	49.79	26.67
Net Interest Income	117.78	114.66	115.13	114.62	93.39	78.38
Net Interest Income Growth	0.95%	-0.40%	0.44%	22.73%	19.15%	-0.05%
Gain (Loss) on Sale of Investments	12.32	6.96	6.77	2.54	-1.97	0.06
Other Non-Interest Income	21.41	19.03	16.36	11.81	10.63	16.55
Total Non-Interest Income	33.72	25.98	23.13	14.36	8.66	16.61
Non-Interest Income Growth	57.47%	12.34%	61.10%	65.75%	-47.86%	2.00%
Revenues Before Loan Losses	151.51	140.65	138.26	128.98	102.05	94.99
Provision for Loan Losses	-1.77	-2.64	5.43	4.8	3.35	-4.29
Revenue	153.27	143.29	132.83	124.18	98.7	99.28
Revenue Growth	13.93%	7.88%	6.96%	25.82%	-0.59%	11.11%
Salaries and Employee Benefits	47.59	43.88	44.98	38.68	32.88	30.37
Occupancy Expenses	3.41	3.51	3.21	4.11	2.74	2.24
Selling, General & Administrative	2.97	2.97	3.78	2.96	1.03	2.71
Other Non-Interest Expense	50.18	39.26	37.61	36.11	27.79	28.69
Total Non-Interest Expense	104.14	89.61	89.57	81.86	64.43	64.01
EBT Excluding Unusual Items	49.13	53.67	43.26	42.32	34.27	35.27
Pretax Income	49.13	53.67	43.26	42.32	34.27	35.27
Income Tax Expense	8.88	10.22	8.27	8.94	7.14	7.52
Net Income	40.25	43.46	34.99	33.38	27.13	27.75
Preferred Dividends & Other Adjustments	34.43	34.43	26.7	26.99	20.68	20.68
Net Income to Common	5.82	9.03	8.29	6.39	6.45	7.08
Net Income Growth	-14.53%	8.90%	29.70%	-0.88%	-8.83%	1.40%
Basic Shares Outstanding	-	1	1	1	1	1
Diluted Shares Outstanding	-	1	1	1	1	1
Shares Change	-	-	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%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	5.750	5.750	5.870	5.670	8.600	5.860
Dividend Growth	-2.04%	-2.04%	3.53%	-34.07%	46.76%	9.13%
Effective Tax Rate	18.08%	19.03%	19.11%	21.13%	20.83%	21.32%