OSL:RING 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	1,737	1,779	1,482	867	562
Interest Income on Investments	119	82	63	72	57
Total Interest Income	1,856	1,861	1,545	939	619
Interest Paid on Deposits	986	999	787	349	143
Net Interest Income	870	862	758	590	476
Net Interest Income Growth (YoY)	0.93%	13.72%	28.48%	23.95%	5.08%
Gain (Loss) on Sale of Investments	87	77	2	-2	-1
Gain (Loss) on Sale of Equity Investments	77	97	-5	27	89
Other Non-Interest Income	410	352	326	335	357
Total Non-Interest Income	574	526	323	360	445
Non-Interest Income Growth (YoY)	9.13%	62.85%	-10.28%	-19.10%	17.41%
Revenues Before Loan Losses	1,444	1,388	1,081	950	921
Provision for Loan Losses	-5	33	14	19	-6
Revenue	1,449	1,355	1,067	931	927
Revenue Growth (YoY)	6.94%	26.99%	14.61%	0.43%	15.30%
Salaries and Employee Benefits	311	262	260	227	215
Selling, General & Administrative	22	23	26	19	13
Other Non-Interest Expense	211	193	169	150	141
Total Non-Interest Expense	544	478	455	396	369
EBT Excluding Unusual Items	905	877	612	535	558
Pretax Income	905	877	612	535	558
Income Tax Expense	171	173	150	114	112
Earnings From Continuing Operations	734	704	462	421	446
Minority Interest in Earnings	-	-	-0.4	-0.4	-0.5
Net Income	734	704	461.6	420.6	445.5
Preferred Dividends & Other Adjustments	20	19	12	11	12
Net Income to Common	714	685	449.6	409.6	433.5
Net Income Growth	4.26%	52.51%	9.75%	-5.59%	21.55%
Basic Shares Outstanding	16	16	16	16	16
Diluted Shares Outstanding	16	16	16	16	16
Shares Change (YoY)	0.03%	-0.29%	0.16%	0.12%	-0.11%
EPS (Basic)	45.65	43.81	28.67	26.16	27.72
EPS (Diluted)	45.65	43.81	28.67	26.16	27.72
EPS Growth	4.20%	52.81%	9.59%	-5.63%	21.74%
Dividend Per Share	26.350	30.000	20.000	13.100	13.900
Dividend Growth	-12.17%	50.00%	52.67%	-5.75%	531.82%
Effective Tax Rate	18.89%	19.73%	24.51%	21.31%	20.07%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.