Sparebank 68° Nord 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	691.91	680.14	570.71	354.15	238.63
Interest Income on Investments	34.59	36.82	30.92	15.48	18.87
Total Interest Income	726.49	716.96	601.64	369.64	257.5
Interest Paid on Deposits	416.22	408.36	315.63	127.1	56.53
Total Interest Expense	416.22	408.36	315.63	127.1	56.53
Net Interest Income	310.27	308.6	286	242.53	200.98
Net Interest Income Growth (YoY)	0.54%	7.90%	17.92%	20.68%	18.10%
Other Non-Interest Income	52.28	50.68	42.84	36.08	45.44
Total Non-Interest Income	52.28	50.68	42.84	36.08	45.44
Non-Interest Income Growth (YoY)	3.16%	18.31%	18.73%	-20.61%	33.90%
Revenues Before Loan Losses	362.55	359.28	328.84	278.61	246.42
Provision for Loan Losses	13.19	15.84	20.63	13.92	-35.14
Revenue	349.36	343.45	308.21	264.69	281.56
Revenue Growth (YoY)	1.72%	11.43%	16.44%	-5.99%	48.03%
Salaries and Employee Benefits	78.55	70.13	65.66	62.89	61.26
Occupancy Expenses	7.02	7.33	7.05	7.85	7.48
Selling, General & Administrative	8.49	9.55	8.47	7.3	8.51
Other Non-Interest Expense	73.5	67.15	53.79	44.35	65.13
Total Non-Interest Expense	167.56	154.15	134.97	122.38	142.38
EBT Excluding Unusual Items	181.81	189.3	173.24	142.31	139.18
Pretax Income	181.81	189.3	173.24	142.31	139.18
Income Tax Expense	43.92	48.24	45.51	32.4	31.64
Net Income	137.88	141.06	127.73	109.91	107.55
Preferred Dividends & Other Adjustments	92.44	92.38	82.08	68.13	66.87
Net Income to Common	45.45	48.68	45.64	41.78	40.67
Net Income Growth	-2.25%	10.44%	16.21%	2.20%	85.80%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	-	-	-	0.03%	-
EPS (Basic)	15.18	16.26	15.25	13.96	13.59
EPS (Diluted)	15.18	16.26	15.25	13.96	13.59
EPS Growth	-6.64%	6.65%	9.26%	2.68%	78.88%
Dividend Per Share	13.500	12.000	12.000	9.500	8.000
Dividend Growth	12.50%	-	26.32%	18.75%	220.00%
Effective Tax Rate	24.16%	25.48%	26.27%	22.77%	22.73%

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