SpareBank 1 Østfold Akershus (OSL:SOAG)

OSL:SOAG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,699	1,635	1,335	805	563	641
Interest Income on Investments	61	35	23	27	19	23
Total Interest Income	1,760	1,670	1,358	832	582	664
Interest Paid on Deposits	943	879	615	235	135	213
Net Interest Income	817	791	743	597	447	451
Net Interest Income Growth (YoY)	3.03%	6.46%	24.46%	33.56%	-0.89%	1.12%
Gain (Loss) on Sale of Assets	-	-	-	-	-2	-1
Gain (Loss) on Sale of Equity Investments	139	171	14	42	109	92
Other Non-Interest Income	418	394	374	350	366	300
Total Non-Interest Income	557	565	388	392	473	391
Non-Interest Income Growth (YoY)	4.11%	45.62%	-1.02%	-17.13%	20.97%	-1.26%
Revenues Before Loan Losses	1,374	1,356	1,131	989	920	842
Provision for Loan Losses	39	42	16	9	-7	20
Revenue	1,335	1,314	1,115	980	927	822
Revenue Growth (YoY)	3.09%	17.85%	13.78%	5.72%	12.77%	-2.72%
Salaries and Employee Benefits	326	305	278	235	222	213
Selling, General & Administrative	25	25	-	23	23	19
Other Non-Interest Expense	207	190	202	155	133	135
Total Non-Interest Expense	558	520	480	413	378	367
EBT Excluding Unusual Items	777	794	635	567	549	455
Pretax Income	777	794	635	567	549	455
Income Tax Expense	138	143	142	115	106	86
Earnings From Continuing Operations	639	651	493	452	443	369
Net Income	639	651	493	452	443	369
Preferred Dividends & Other Adjustments	10	44	32	29	28	24
Net Income to Common	629	607	461	423	415	345
Net Income Growth	-0.31%	32.05%	9.07%	2.03%	20.05%	-8.66%
Basic Shares Outstanding	13	12	12	12	12	12
Diluted Shares Outstanding	13	12	12	12	12	12
Shares Change (YoY)	5.83%	-	-	-	-	-
EPS (Basic)	48.03	49.00	37.21	34.14	33.50	27.85
EPS (Diluted)	48.03	49.00	37.21	34.14	33.46	27.85
EPS Growth	-0.78%	31.67%	8.98%	2.04%	20.15%	-8.66%
Dividend Per Share	20.100	20.100	21.500	17.800	16.200	3.500
Dividend Growth	-6.51%	-6.51%	20.79%	9.88%	362.86%	-70.83%
Effective Tax Rate	17.76%	18.01%	22.36%	20.28%	19.31%	18.90%

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