SpareBank 1 Østfold Akershus (OSL:SOAG)

OSL:SOAG Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,694	1,635	1,335	805	563
Interest Income on Investments	62	35	23	27	19
Total Interest Income	1,756	1,670	1,358	832	582
Interest Paid on Deposits	939	879	615	235	135
Net Interest Income	817	791	743	597	447
Net Interest Income Growth (YoY)	3.29%	6.46%	24.46%	33.56%	-0.89%
Gain (Loss) on Sale of Assets	-	-	-	-	-2
Gain (Loss) on Sale of Equity Investments	146	171	14	42	109
Other Non-Interest Income	417	394	374	350	366
Total Non-Interest Income	563	565	388	392	473
Non-Interest Income Growth (YoY)	-0.35%	45.62%	-1.02%	-17.13%	20.97%
Revenues Before Loan Losses	1,380	1,356	1,131	989	920
Provision for Loan Losses	9	42	16	9	-7
Revenue	1,371	1,314	1,115	980	927
Revenue Growth (YoY)	4.34%	17.85%	13.78%	5.72%	12.77%
Salaries and Employee Benefits	337	305	278	235	222
Selling, General & Administrative	26	25	-	23	23
Other Non-Interest Expense	210	190	202	155	133
Total Non-Interest Expense	573	520	480	413	378
EBT Excluding Unusual Items	798	794	635	567	549
Pretax Income	798	794	635	567	549
Income Tax Expense	141	143	142	115	106
Earnings From Continuing Operations	657	651	493	452	443
Net Income	657	651	493	452	443
Preferred Dividends & Other Adjustments	45	44	32	29	28
Net Income to Common	612	607	461	423	415
Net Income Growth	0.92%	32.05%	9.07%	2.03%	20.05%
Basic Shares Outstanding	12	12	12	12	12
Diluted Shares Outstanding	12	12	12	12	12
Shares Change (YoY)	-0.10%	0.33%	-0.16%	-	-
EPS (Basic)	49.36	48.91	37.27	34.14	33.50
EPS (Diluted)	49.36	48.91	37.27	34.14	33.46
EPS Growth	0.92%	31.23%	9.15%	2.04%	20.15%
Dividend Per Share	24.500	20.100	21.500	17.800	16.200
Dividend Growth	21.89%	-6.51%	20.79%	9.88%	362.86%
Effective Tax Rate	17.67%	18.01%	22.36%	20.28%	19.31%

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