OSL:RING Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	1,764	1,779	1,482	867	562	619
Interest Income on Investments	120	82	63	72	57	63
Total Interest Income	1,884	1,861	1,545	939	619	682
Interest Paid on Deposits	1,005	999	787	349	143	229
Net Interest Income	879	862	758	590	476	453
Net Interest Income Growth (YoY)	2.45%	13.72%	28.48%	23.95%	5.08%	-0.66%
Gain (Loss) on Sale of Investments	74	77	2	-2	-1	-21
Gain (Loss) on Sale of Equity Investments	70	97	-5	27	89	83
Other Non-Interest Income	390	352	326	335	357	317
Total Non-Interest Income	534	526	323	360	445	379
Non-Interest Income Growth (YoY)	10.56%	62.85%	-10.28%	-19.10%	17.41%	-12.67%
Revenues Before Loan Losses	1,413	1,388	1,081	950	921	832
Provision for Loan Losses	22	33	14	19	-6	28
Revenue	1,391	1,355	1,067	931	927	804
Revenue Growth (YoY)	6.02%	26.99%	14.61%	0.43%	15.30%	-8.74%
Salaries and Employee Benefits	280	262	260	227	215	206
Selling, General & Administrative	23	23	26	19	13	13
Other Non-Interest Expense	206	193	169	150	141	130
Total Non-Interest Expense	509	478	455	396	369	349
EBT Excluding Unusual Items	882	877	612	535	558	455
Pretax Income	882	877	612	535	558	455
Income Tax Expense	162	173	150	114	112	88
Earnings From Continuing Operations	720	704	462	421	446	367
Minority Interest in Earnings	-0.6	-0.4	-0.4	-0.4	-0.5	-0.5
Net Income	719.4	703.6	461.6	420.6	445.5	366.5
Preferred Dividends & Other Adjustments	27	19	12	11	12	10
Net Income to Common	692.4	684.6	449.6	409.6	433.5	356.5
Net Income Growth	13.43%	52.43%	9.75%	-5.59%	21.55%	-13.87%
Basic Shares Outstanding	15	16	16	16	16	16
Diluted Shares Outstanding	15	16	16	16	16	16
Shares Change (YoY)	0.33%	-0.31%	0.16%	0.12%	-0.11%	-0.09%
EPS (Basic)	44.84	43.79	28.67	26.16	27.72	22.77
EPS (Diluted)	44.84	43.79	28.67	26.16	27.72	22.77
EPS Growth	11.45%	52.74%	9.59%	-5.63%	21.74%	-13.91%
Dividend Per Share	30.000	30.000	20.000	13.100	13.900	2.200
Dividend Growth	50.00%	50.00%	52.67%	-5.75%	531.82%	-83.46%
Effective Tax Rate	18.37%	19.73%	24.51%	21.31%	20.07%	19.34%

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