Rogaland Sparebank Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	2,375	2,377	2,195	1,730	989.72	659.47
Interest Income on Investments	88.33	83.33	37.24	53.77	65.54	47.75
Total Interest Income	2,463	2,460	2,233	1,783	1,055	707.21
Interest Paid on Deposits	1,597	1,593	1,477	1,114	494.03	203.37
Net Interest Income	866.17	867.37	756.07	669.34	561.23	503.84
Net Interest Income Growth (YoY)	9.32%	14.72%	12.96%	19.26%	11.39%	-4.45%
Gain (Loss) on Sale of Investments	47.76	47.76	15.01	13.9	-49.48	4.05
Gain (Loss) on Sale of Equity Investments	5.98	5.98	5.42	-	-	-
Other Non-Interest Income	90.14	113.4	123.79	91.89	137.73	102.49
Total Non-Interest Income	143.89	167.14	144.22	105.79	88.25	106.54
Non-Interest Income Growth (YoY)	-6.29%	15.90%	36.32%	19.88%	-17.17%	37.82%
Revenues Before Loan Losses	1,010	1,035	900.29	775.13	649.48	610.38
Provision for Loan Losses	77.39	65.31	23.63	10.63	11.35	-32.34
Revenue	932.66	969.2	876.66	764.5	638.13	642.72
Revenue Growth (YoY)	1.84%	10.56%	14.67%	19.80%	-0.71%	10.83%
Salaries and Employee Benefits	244.23	244.69	224.5	204.26	179.8	161.94
Occupancy Expenses	18.93	18.33	17.5	18.19	15.37	18.86
Selling, General & Administrative	17.83	17.83	21.02	16.77	17.87	15.21
Other Non-Interest Expense	126.35	135.7	107.36	103.68	98.24	89.37
Total Non-Interest Expense	407.34	416.55	370.38	342.91	311.28	285.39
EBT Excluding Unusual Items	525.32	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	525.32	552.66	535.47	395.79	314.04	328.24
Income Tax Expense	83.91	73.16	77.87	65.9	47.87	46.93
Earnings From Continuing Operations	441.41	479.5	457.6	329.89	266.17	281.31
Minority Interest in Earnings	-16.38	-16.38	-13.88	-	-	-
Net Income	425.03	463.12	443.72	329.89	266.17	281.31
Preferred Dividends & Other Adjustments	192.36	192.36	180.95	120.08	97.15	102.96
Net Income to Common	232.67	270.76	262.77	209.81	169.02	178.35
Net Income Growth	-16.01%	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	11.700	9.500	7.500	6.050	5.350
Dividend Growth	23.16%	23.16%	26.67%	23.97%	13.08%	-10.08%
Effective Tax Rate	15.97%	13.24%	14.54%	16.65%	15.25%	14.30%

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