Rogaland 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	2,377	2,195	1,730	989.72	659.47
Interest Income on Investments	83.33	37.24	53.77	65.54	47.75
Total Interest Income	2,460	2,233	1,783	1,055	707.21
Interest Paid on Deposits	1,593	1,477	1,114	494.03	203.37
Net Interest Income	867.37	756.07	669.34	561.23	503.84
Net Interest Income Growth (YoY)	14.72%	12.96%	19.26%	11.39%	-4.45%
Gain (Loss) on Sale of Investments	47.76	15.01	13.9	-49.48	4.05
Gain (Loss) on Sale of Equity Investments	5.98	5.42	-	-	-
Other Non-Interest Income	113.4	123.79	91.89	137.73	102.49
Total Non-Interest Income	167.14	144.22	105.79	88.25	106.54
Non-Interest Income Growth (YoY)	15.90%	36.32%	19.88%	-17.17%	37.82%
Revenues Before Loan Losses	1,035	900.29	775.13	649.48	610.38
Provision for Loan Losses	65.31	23.63	10.63	11.35	-32.34
Revenue	969.2	876.66	764.5	638.13	642.72
Revenue Growth (YoY)	10.56%	14.67%	19.80%	-0.71%	10.83%
Salaries and Employee Benefits	244.69	224.5	204.26	179.8	161.94
Occupancy Expenses	18.33	17.5	18.19	15.37	18.86
Selling, General & Administrative	17.83	21.02	16.77	17.87	15.21
Other Non-Interest Expense	135.7	107.36	103.68	98.24	89.37
Total Non-Interest Expense	416.55	370.38	342.91	311.28	285.39
EBT Excluding Unusual Items	552.66	506.29	421.59	326.86	357.34
Asset Writedown	-	-	-	-1.02	-
Other Unusual Items	-	63.17	-25.8	-11.8	-29.1
Pretax Income	552.66	535.47	395.79	314.04	328.24
Income Tax Expense	73.16	77.87	65.9	47.87	46.93
Earnings From Continuing Operations	479.5	457.6	329.89	266.17	281.31
Minority Interest in Earnings	-16.38	-13.88	-	-	-
Net Income	463.12	443.72	329.89	266.17	281.31
Preferred Dividends & Other Adjustments	192.36	180.95	120.08	97.15	102.96
Net Income to Common	270.76	262.77	209.81	169.02	178.35
Net Income Growth	4.37%	34.51%	23.94%	-5.38%	7.87%
Basic Shares Outstanding	23	22	21	21	21
Diluted Shares Outstanding	23	22	21	21	21
Shares Change (YoY)	5.44%	3.75%	0.32%	0.12%	0.04%
EPS (Basic)	11.78	12.05	9.99	8.07	8.53
EPS (Diluted)	11.78	12.05	9.99	8.07	8.50
EPS Growth	-2.27%	20.72%	23.74%	-5.07%	7.60%
Dividend Per Share	11.700	9.500	7.500	6.050	5.350
Dividend Growth	23.16%	26.67%	23.97%	13.08%	-10.08%
Effective Tax Rate	13.24%	14.54%	16.65%	15.25%	14.30%

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