Romerike 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	Sep '26 Sep 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	1,082	1,080	1,018	823.18	403.43	248.76
Interest Income on Investments	35.04	35.04	15.99	23.01	24.48	19.66
Total Interest Income	1,117	1,115	1,034	846.18	427.91	268.42
Interest Paid on Deposits	716.57	700.82	628.63	471.56	169.28	78.64
Total Interest Expense	716.57	700.82	628.63	471.56	169.28	78.64
Net Interest Income	400.49	414.28	404.97	374.63	258.63	189.78
Net Interest Income Growth	4.65%	2.30%	8.10%	44.85%	36.28%	8.57%
Other Non-Interest Income	77.35	79.84	64.48	47.17	30.57	38.68
Total Non-Interest Income	77.35	79.84	64.48	47.17	30.57	38.68
Non-Interest Income Growth	-24.90%	23.81%	36.71%	54.29%	-20.97%	18.84%
Revenues Before Loan Losses	477.84	494.12	469.45	421.79	289.2	228.46
Provision for Loan Losses	14.23	-1.1	30.23	21.34	4.43	-14.21
Revenue	463.61	495.22	439.23	400.45	284.76	242.66
Revenue Growth	-0.95%	12.75%	9.68%	40.63%	17.35%	24.64%
Salaries and Employee Benefits	109.32	103.09	90.12	88.69	67.3	53.02
Occupancy Expenses	8.64	2.53	6.42	7.38	4.56	3.88
Selling, General & Administrative	-	-	-	-	16.36	9.45
Other Non-Interest Expense	105.57	99.77	93.43	101.02	50.45	38.96
Total Non-Interest Expense	223.52	205.39	189.96	197.09	138.67	105.3
EBT Excluding Unusual Items	240.09	289.82	249.27	203.36	146.09	137.36
Pretax Income	240.09	289.82	249.27	203.36	146.09	137.36
Income Tax Expense	51.98	63.68	57.19	45.07	27.41	29.41
Net Income	188.11	226.15	192.07	158.29	118.68	107.95
Preferred Dividends & Other Adjustments	190.01	190.01	159.49	129.27	23.48	15.11
Net Income to Common	-1.91	36.14	32.58	29.02	95.2	92.84
Net Income Growth	-	10.91%	12.26%	-69.51%	2.54%	705.42%
Basic Shares Outstanding	-	3	3	3	3	1
Diluted Shares Outstanding	-	3	3	3	3	1
Shares Change	-	-	-	-	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%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	10.500	10.500	10.500	9.500	6.700	8.400
Dividend Growth	0%	0%	10.53%	41.79%	-20.24%	13.51%
Effective Tax Rate	21.65%	21.97%	22.94%	22.16%	18.76%	21.41%