Sparebanken Norge Income Statement

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	24,856	18,874	14,490	7,671	4,525	5,126
Interest Paid on Deposits	16,613	12,715	9,249	3,677	1,226	2,021
Net Interest Income	8,243	6,159	5,241	3,994	3,299	3,105
Net Interest Income Growth (YoY)	37.06%	17.52%	31.22%	21.07%	6.25%	-0.45%
Gain (Loss) on Sale of Investments	76	80	7	-121	-38	-75
Gain (Loss) on Sale of Equity Investments	458	287	215	262	401	304
Other Non-Interest Income	1,723	1,100	824	1,110	902	711
Total Non-Interest Income	2,257	1,467	1,046	1,251	1,265	940
Non-Interest Income Growth (YoY)	61.33%	40.25%	-16.39%	-1.11%	34.57%	-10.56%
Revenues Before Loan Losses	10,500	7,626	6,287	5,245	4,564	4,045
Provision for Loan Losses	279	97	95	52	-31	448
Revenue	10,221	7,529	6,192	5,193	4,595	3,597
Revenue Growth (YoY)	39.65%	21.59%	19.24%	13.01%	27.74%	-12.65%
Occupancy Expenses	291	178	186	211	208	188
Selling, General & Administrative	2,413	1,508	1,381	1,292	1,190	1,097
Other Non-Interest Expense	275	203	200	179	142	163
Total Non-Interest Expense	2,979	1,889	1,767	1,682	1,540	1,448
EBT Excluding Unusual Items	7,242	5,640	4,425	3,511	3,055	2,149
Asset Writedown	-	-	-	-	-	242
Pretax Income	7,242	5,640	4,419	3,504	3,055	2,391
Income Tax Expense	1,334	988	874	687	542	358
Net Income	5,854	4,652	3,545	2,817	2,513	2,033
Preferred Dividends & Other Adjustments	3,578	2,824	2,148	1,713	1,533	1,244
Net Income to Common	2,276	1,828	1,397	1,104	980	789
Net Income Growth	28.10%	31.23%	25.84%	12.10%	23.61%	-1.50%
Basic Shares Outstanding	135	110	110	107	107	107
Diluted Shares Outstanding	135	110	110	107	107	107
Shares Change (YoY)	22.88%	0.05%	2.08%	0.37%	-0.27%	58.69%
EPS (Basic)	16.89	16.67	12.75	10.28	9.16	7.36
EPS (Diluted)	16.89	16.67	12.75	10.28	9.16	7.36
EPS Growth	3.07%	30.78%	23.96%	12.24%	24.54%	-1.35%
Dividend Per Share	8.500	8.500	7.500	5.500	4.500	4.000
Dividend Growth	13.33%	13.33%	36.36%	22.22%	12.50%	65.29%
Effective Tax Rate	18.42%	17.52%	19.78%	19.61%	17.74%	14.97%

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