Sogn Sparebank 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	415.96	412.53	338.81	197.2	140.22
Interest Income on Investments	22.93	13.4	21.34	18.98	14.05
Total Interest Income	438.89	425.94	360.15	216.18	154.27
Interest Paid on Deposits	228.52	224.7	165.77	63.82	28.68
Net Interest Income	210.38	201.23	194.38	152.36	125.59
Net Interest Income Growth (YoY)	4.54%	3.53%	27.58%	21.31%	3.61%
Gain (Loss) on Sale of Investments	-	18.12	10.07	4.48	5.16
Gain (Loss) on Sale of Equity Investments	-	-	-	-	0.08
Other Non-Interest Income	46.78	27.28	27.41	29.15	33.69
Total Non-Interest Income	46.78	45.39	37.49	33.63	38.93
Non-Interest Income Growth (YoY)	3.06%	21.10%	11.47%	-13.61%	-10.87%
Revenues Before Loan Losses	257.16	246.63	231.87	185.99	164.52
Provision for Loan Losses	-0.15	6.26	8.33	6.53	4.41
Revenue	257.31	240.37	223.53	179.46	160.11
Revenue Growth (YoY)	7.05%	7.54%	24.55%	12.09%	9.72%
Salaries and Employee Benefits	50.24	40.93	36.31	32.64	36.14
Occupancy Expenses	9.89	6.35	7.03	6.65	6.06
Selling, General & Administrative	-	5.83	7.58	3.33	3.07
Other Non-Interest Expense	54.55	52.46	65.56	52.59	50.04
Total Non-Interest Expense	114.68	105.56	116.49	95.21	95.3
EBT Excluding Unusual Items	142.64	134.82	107.05	84.25	64.8
Pretax Income	142.64	134.82	107.05	84.25	64.8
Income Tax Expense	29.57	31.06	21.87	16.96	12.63
Earnings From Continuing Operations	113.07	103.76	85.18	67.29	52.17
Minority Interest in Earnings	-	-	-	-	-0.21
Net Income	113.07	103.76	85.18	67.29	51.97
Preferred Dividends & Other Adjustments	-	89.97	73.73	58.21	45.22
Net Income to Common	113.07	13.79	11.44	9.08	6.75
Net Income Growth	8.97%	21.82%	26.57%	29.50%	57.13%
Basic Shares Outstanding	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1
Shares Change (YoY)	2.87%	-6.98%	2.29%	-3.26%	5.61%
EPS (Basic)	182.65	22.91	17.69	14.36	10.32
EPS (Diluted)	182.65	22.91	17.69	14.36	10.32
EPS Growth	697.12%	29.55%	23.16%	39.19%	49.93%
Dividend Per Share	-	20.000	15.000	10.000	5.500
Dividend Growth	-	33.33%	50.00%	81.82%	57.14%
Effective Tax Rate	20.73%	23.04%	20.43%	20.13%	19.49%

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