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	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	1,073	1,080	1,018	823.18	403.43	248.76
Interest Income on Investments	31.22	35.04	15.99	23.01	24.48	19.66
Total Interest Income	1,104	1,115	1,034	846.18	427.91	268.42
Interest Paid on Deposits	704.21	700.82	628.63	471.56	169.28	78.64
Total Interest Expense	704.21	700.82	628.63	471.56	169.28	78.64
Net Interest Income	399.7	414.28	404.97	374.63	258.63	189.78
Net Interest Income Growth	-4.52%	2.30%	8.10%	44.85%	36.28%	8.57%
Other Non-Interest Income	82.96	79.84	64.48	47.17	30.57	38.68
Total Non-Interest Income	82.96	79.84	64.48	47.17	30.57	38.68
Non-Interest Income Growth	24.22%	23.81%	36.71%	54.29%	-20.97%	18.84%
Revenues Before Loan Losses	482.66	494.12	469.45	421.79	289.2	228.46
Provision for Loan Losses	6.28	-1.1	30.23	21.34	4.43	-14.21
Revenue	476.38	495.22	439.23	400.45	284.76	242.66
Revenue Growth	3.29%	12.75%	9.68%	40.63%	17.35%	24.64%
Salaries and Employee Benefits	105.17	103.09	90.12	88.69	67.3	53.02
Occupancy Expenses	6.48	2.53	6.42	7.38	4.56	3.88
Selling, General & Administrative	-	-	-	-	16.36	9.45
Other Non-Interest Expense	103.68	99.77	93.43	101.02	50.45	38.96
Total Non-Interest Expense	215.33	205.39	189.96	197.09	138.67	105.3
EBT Excluding Unusual Items	261.05	289.82	249.27	203.36	146.09	137.36
Pretax Income	261.05	289.82	249.27	203.36	146.09	137.36
Income Tax Expense	57.09	63.68	57.19	45.07	27.41	29.41
Net Income	203.96	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	13.95	36.14	32.58	29.02	95.2	92.84
Net Income Growth	-70.54%	10.91%	12.26%	-69.51%	2.54%	705.42%
Basic Shares Outstanding	3	3	3	3	3	1
Diluted Shares Outstanding	3	3	3	3	3	1
Shares Change	-	-	-	-	183.63%	-
EPS (Basic)	4.92	12.74	11.49	10.23	33.56	92.84
EPS (Diluted)	4.92	12.74	11.49	10.23	33.56	92.84
EPS Growth	-70.54%	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	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	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	21.87%	21.97%	22.94%	22.16%	18.76%	21.41%