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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,342	2,195	1,730	989.72	659.47	774.46
Interest Income on Investments	76.24	42.66	53.77	65.54	47.75	57.72
Total Interest Income	2,418	2,238	1,783	1,055	707.21	832.19
Interest Paid on Deposits	1,568	1,477	1,114	494.03	203.37	304.88
Net Interest Income	849.78	761.49	669.34	561.23	503.84	527.3
Net Interest Income Growth (YoY)	20.29%	13.77%	19.26%	11.39%	-4.45%	1.02%
Gain (Loss) on Sale of Investments	28.24	15.01	13.9	-49.48	4.05	-7.97
Other Non-Interest Income	108.83	123.79	91.89	137.73	102.49	85.28
Total Non-Interest Income	137.07	138.8	105.79	88.25	106.54	77.31
Non-Interest Income Growth (YoY)	5.71%	31.20%	19.88%	-17.17%	37.82%	-18.14%
Revenues Before Loan Losses	986.85	900.29	775.13	649.48	610.38	604.61
Provision for Loan Losses	26.56	23.63	10.63	11.35	-32.34	24.69
Revenue	960.29	876.66	764.5	638.13	642.72	579.92
Revenue Growth (YoY)	17.37%	14.67%	19.80%	-0.71%	10.83%	-3.82%
Salaries and Employee Benefits	247.26	224.5	204.26	179.8	161.94	146.55
Occupancy Expenses	18.05	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	122.56	107.36	103.68	98.24	89.37	85.61
Total Non-Interest Expense	408.89	370.38	342.91	311.28	285.39	268.99
EBT Excluding Unusual Items	551.4	506.29	421.59	326.86	357.34	310.93
Asset Writedown	-	-	-	-1.02	-	-
Other Unusual Items	63.17	63.17	-25.8	-11.8	-29.1	-
Pretax Income	580.58	535.47	395.79	314.04	328.24	310.93
Income Tax Expense	69.32	77.87	65.9	47.87	46.93	50.16
Net Income	512.91	457.6	329.89	266.17	281.31	260.77
Preferred Dividends & Other Adjustments	189.09	172.51	120.08	97.15	102.96	94.92
Net Income to Common	323.82	285.08	209.81	169.02	178.35	165.85
Net Income Growth	32.83%	38.71%	23.94%	-5.38%	7.87%	-5.88%
Basic Shares Outstanding	24	23	21	21	21	21
Diluted Shares Outstanding	24	23	21	21	21	21
Shares Change (YoY)	13.63%	9.21%	0.32%	0.12%	0.04%	-8.99%
EPS (Basic)	13.54	12.42	9.99	8.07	8.53	7.93
EPS (Diluted)	13.11	12.40	9.99	8.07	8.50	7.90
EPS Growth	13.04%	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	11.94%	14.54%	16.65%	15.25%	14.30%	16.13%

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