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	Jun '26 Jun 30, 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	2,384	2,377	2,195	1,730	989.72	659.47
Interest Income on Investments	112.4	83.33	37.24	53.77	65.54	47.75
Total Interest Income	2,496	2,460	2,233	1,783	1,055	707.21
Interest Paid on Deposits	1,610	1,593	1,477	1,114	494.03	203.37
Net Interest Income	885.91	867.37	756.07	669.34	561.23	503.84
Net Interest Income Growth	4.47%	14.72%	12.96%	19.26%	11.39%	-4.45%
Gain (Loss) on Sale of Investments	17.76	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	133.83	113.4	123.79	91.89	137.73	102.49
Total Non-Interest Income	157.58	167.14	144.22	105.79	88.25	106.54
Non-Interest Income Growth	13.48%	15.90%	36.32%	19.88%	-17.17%	37.82%
Revenues Before Loan Losses	1,043	1,035	900.29	775.13	649.48	610.38
Provision for Loan Losses	55.35	65.31	23.63	10.63	11.35	-32.34
Revenue	988.13	969.2	876.66	764.5	638.13	642.72
Revenue Growth	2.90%	10.56%	14.67%	19.80%	-0.71%	10.83%
Salaries and Employee Benefits	242.23	244.69	224.5	204.26	179.8	161.94
Occupancy Expenses	19.8	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	120.34	135.7	107.36	103.68	98.24	89.37
Total Non-Interest Expense	400.2	416.55	370.38	342.91	311.28	285.39
EBT Excluding Unusual Items	587.93	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	587.93	552.66	535.47	395.79	314.04	328.24
Income Tax Expense	78.07	73.16	77.87	65.9	47.87	46.93
Earnings From Continuing Operations	509.87	479.5	457.6	329.89	266.17	281.31
Minority Interest in Earnings	-16.38	-16.38	-13.88	-	-	-
Net Income	493.49	463.12	443.72	329.89	266.17	281.31
Preferred Dividends & Other Adjustments	204.35	192.36	180.95	120.08	97.15	102.96
Net Income to Common	289.13	270.76	262.77	209.81	169.02	178.35
Net Income Growth	-2.08%	3.04%	25.24%	24.14%	-5.23%	7.53%
Basic Shares Outstanding	23	23	22	21	21	21
Diluted Shares Outstanding	23	23	22	21	21	21
Shares Change	5.90%	5.44%	3.75%	0.32%	0.12%	0.04%
EPS (Basic)	12.56	11.78	12.05	9.99	8.07	8.53
EPS (Diluted)	12.56	11.78	12.05	9.99	8.07	8.50
EPS Growth	-7.24%	-2.27%	20.72%	23.74%	-5.07%	7.60%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
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	13.28%	13.24%	14.54%	16.65%	15.25%	14.30%