Romerike 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	1,080	1,018	823.18	403.43	248.76
Interest Income on Investments	35.04	15.99	23.01	24.48	19.66
Total Interest Income	1,115	1,034	846.18	427.91	268.42
Interest Paid on Deposits	700.82	628.63	471.56	169.28	78.64
Total Interest Expense	700.82	628.63	471.56	169.28	78.64
Net Interest Income	414.28	404.97	374.63	258.63	189.78
Net Interest Income Growth (YoY)	2.30%	8.10%	44.85%	36.28%	8.57%
Other Non-Interest Income	79.84	64.48	47.17	30.57	38.68
Total Non-Interest Income	79.84	64.48	47.17	30.57	38.68
Non-Interest Income Growth (YoY)	23.81%	36.71%	54.29%	-20.97%	18.84%
Revenues Before Loan Losses	494.12	469.45	421.79	289.2	228.46
Provision for Loan Losses	-1.1	30.23	21.34	4.43	-14.21
Revenue	495.22	439.23	400.45	284.76	242.66
Revenue Growth (YoY)	12.75%	9.68%	40.63%	17.35%	24.64%
Salaries and Employee Benefits	103.09	90.12	88.69	67.3	53.02
Occupancy Expenses	2.53	6.42	7.38	4.56	3.88
Selling, General & Administrative	-	-	-	16.36	9.45
Other Non-Interest Expense	99.77	93.43	101.02	50.45	38.96
Total Non-Interest Expense	205.39	189.96	197.09	138.67	105.3
EBT Excluding Unusual Items	289.82	249.27	203.36	146.09	137.36
Pretax Income	289.82	249.27	203.36	146.09	137.36
Income Tax Expense	63.68	57.19	45.07	27.41	29.41
Net Income	226.15	192.07	158.29	118.68	107.95
Preferred Dividends & Other Adjustments	190.01	159.49	129.27	23.48	15.11
Net Income to Common	36.14	32.58	29.02	95.2	92.84
Net Income Growth	17.74%	21.34%	33.38%	9.94%	54.74%
Basic Shares Outstanding	3	3	3	3	1
Diluted Shares Outstanding	3	3	3	3	1
Shares Change (YoY)	-	-	-	183.63%	-
EPS (Basic)	12.74	11.49	10.23	33.56	92.84
EPS (Diluted)	12.74	11.49	10.23	33.56	92.84
EPS Growth	10.91%	12.26%	-69.51%	-63.85%	705.42%
Dividend Per Share	10.500	10.500	9.500	6.700	8.400
Dividend Growth	-	10.53%	41.79%	-20.24%	13.51%
Effective Tax Rate	21.97%	22.94%	22.16%	18.76%	21.41%

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