Rogaland Sparebank (OSL:ROGS)

Rogaland 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,371	2,195	1,730	989.72	659.47	774.46
Interest Income on Investments	76.11	42.66	53.77	65.54	47.75	57.72
Total Interest Income	2,447	2,238	1,783	1,055	707.21	832.19
Interest Paid on Deposits	1,588	1,477	1,114	494.03	203.37	304.88
Net Interest Income	858.32	761.49	669.34	561.23	503.84	527.3
Net Interest Income Growth (YoY)	17.68%	13.77%	19.26%	11.39%	-4.45%	1.02%
Gain (Loss) on Sale of Investments	21.84	15.01	13.9	-49.48	4.05	-7.97
Other Non-Interest Income	117.56	123.79	91.89	137.73	102.49	85.28
Total Non-Interest Income	139.67	138.8	105.79	88.25	106.54	77.31
Non-Interest Income Growth (YoY)	4.16%	31.20%	19.88%	-17.17%	37.82%	-18.14%
Revenues Before Loan Losses	997.98	900.29	775.13	649.48	610.38	604.61
Provision for Loan Losses	19.29	23.63	10.63	11.35	-32.34	24.69
Revenue	978.69	876.66	764.5	638.13	642.72	579.92
Revenue Growth (YoY)	17.55%	14.67%	19.80%	-0.71%	10.83%	-3.82%
Salaries and Employee Benefits	246.73	224.5	204.26	179.8	161.94	146.55
Occupancy Expenses	18.32	17.5	18.19	15.37	18.86	23.67
Selling, General & Administrative	21.02	21.02	16.77	17.87	15.21	13.15
Other Non-Interest Expense	84.88	107.36	103.68	98.24	89.37	85.61
Total Non-Interest Expense	370.95	370.38	342.91	311.28	285.39	268.99
EBT Excluding Unusual Items	607.74	506.29	421.59	326.86	357.34	310.93
Asset Writedown	-	-	-	-1.02	-	-
Other Unusual Items	-10.53	63.17	-25.8	-11.8	-29.1	-
Pretax Income	563.23	535.47	395.79	314.04	328.24	310.93
Income Tax Expense	82.37	77.87	65.9	47.87	46.93	50.16
Net Income	482.52	457.6	329.89	266.17	281.31	260.77
Preferred Dividends & Other Adjustments	183.81	172.51	120.08	97.15	102.96	94.92
Net Income to Common	298.71	285.08	209.81	169.02	178.35	165.85
Net Income Growth	11.09%	38.71%	23.94%	-5.38%	7.87%	-5.88%
Basic Shares Outstanding	23	23	21	21	21	21
Diluted Shares Outstanding	23	23	21	21	21	21
Shares Change (YoY)	2.33%	9.21%	0.32%	0.12%	0.04%	-8.99%
EPS (Basic)	12.99	12.42	9.99	8.07	8.53	7.93
EPS (Diluted)	12.30	12.40	9.99	8.07	8.50	7.90
EPS Growth	1.78%	24.18%	23.74%	-5.07%	7.60%	0.17%
Dividend Per Share	9.500	9.500	7.500	6.050	5.350	5.950
Dividend Growth	26.67%	26.67%	23.97%	13.08%	-10.08%	19.00%
Effective Tax Rate	14.62%	14.54%	16.65%	15.25%	14.30%	16.13%

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