Sparebanken Norge 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	31,739	27,948	18,874	14,490	7,671	4,525
Interest Paid on Deposits	21,163	18,548	12,715	9,249	3,677	1,226
Net Interest Income	10,576	9,400	6,159	5,241	3,994	3,299
Net Interest Income Growth	28.30%	52.62%	17.52%	31.22%	21.07%	6.25%
Gain (Loss) on Sale of Investments	-19	97	80	7	-121	-38
Gain (Loss) on Sale of Equity Investments	506	483	287	215	262	401
Other Non-Interest Income	2,264	2,025	1,100	824	1,110	902
Total Non-Interest Income	2,751	2,605	1,467	1,046	1,251	1,265
Non-Interest Income Growth	21.89%	77.57%	40.25%	-16.39%	-1.11%	34.57%
Revenues Before Loan Losses	13,327	12,005	7,626	6,287	5,245	4,564
Provision for Loan Losses	282	312	97	95	52	-31
Revenue	13,045	11,693	7,529	6,192	5,193	4,595
Revenue Growth	27.63%	55.31%	21.59%	19.24%	13.01%	27.74%
Occupancy Expenses	444	353	178	186	211	208
Selling, General & Administrative	3,438	2,876	1,508	1,381	1,292	1,190
Other Non-Interest Expense	405	354	203	200	179	142
Total Non-Interest Expense	4,287	3,583	1,889	1,767	1,682	1,540
EBT Excluding Unusual Items	8,758	8,110	5,640	4,425	3,511	3,055
Pretax Income	8,758	8,110	5,640	4,419	3,504	3,055
Income Tax Expense	1,548	1,536	988	874	687	542
Earnings From Continuing Operations	7,210	6,574	4,652	3,545	2,817	2,513
Minority Interest in Earnings	-153	-83	1	-	-	-
Net Income	7,057	6,491	4,653	3,545	2,817	2,513
Preferred Dividends & Other Adjustments	4,310	3,975	2,824	2,148	1,713	1,533
Net Income to Common	2,747	2,516	1,829	1,397	1,104	980
Net Income Growth	20.69%	37.56%	30.92%	26.54%	12.65%	24.21%
Basic Shares Outstanding	173	150	110	110	107	107
Diluted Shares Outstanding	173	150	110	110	107	107
Shares Change	28.17%	36.89%	0.05%	2.08%	0.37%	-0.27%
EPS (Basic)	15.91	16.76	16.68	12.75	10.28	9.16
EPS (Diluted)	15.91	16.76	16.68	12.75	10.28	9.16
EPS Growth	-5.84%	0.49%	30.85%	23.96%	12.24%	24.54%

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	12.000	12.000	8.500	7.500	5.500	4.500
Dividend Growth	41.18%	41.18%	13.33%	36.36%	22.22%	12.50%
Effective Tax Rate	17.68%	18.94%	17.52%	19.78%	19.61%	17.74%