Sogn Sparebank (OSL:SOGN)

Sogn Sparebank 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	422.33	412.53	338.81	197.2	140.22	155.47
Interest Income on Investments	22.18	13.4	21.34	18.98	14.05	15.76
Total Interest Income	444.51	425.94	360.15	216.18	154.27	171.22
Interest Paid on Deposits	233.79	224.7	165.77	63.82	28.68	50.01
Net Interest Income	210.72	201.23	194.38	152.36	125.59	121.21
Net Interest Income Growth (YoY)	7.55%	3.53%	27.58%	21.31%	3.61%	1.19%
Gain (Loss) on Sale of Investments	18.12	18.12	10.07	4.48	5.16	5.6
Gain (Loss) on Sale of Equity Investments	-	-	-	-	0.08	0.17
Other Non-Interest Income	28.07	27.28	27.41	29.15	33.69	37.9
Total Non-Interest Income	46.19	45.39	37.49	33.63	38.93	43.67
Non-Interest Income Growth (YoY)	-2.00%	21.10%	11.47%	-13.61%	-10.87%	14.96%
Revenues Before Loan Losses	256.91	246.63	231.87	185.99	164.52	164.88
Provision for Loan Losses	3.11	6.26	8.33	6.53	4.41	18.97
Revenue	253.8	240.37	223.53	179.46	160.11	145.92
Revenue Growth (YoY)	6.04%	7.54%	24.55%	12.09%	9.72%	9.32%
Salaries and Employee Benefits	43.24	40.93	36.31	32.64	36.14	48.33
Occupancy Expenses	8.74	6.35	7.03	6.65	6.06	5.72
Selling, General & Administrative	5.83	5.83	7.58	3.33	3.07	3.23
Other Non-Interest Expense	53.64	52.46	65.56	52.59	50.04	50.7
Total Non-Interest Expense	111.44	105.56	116.49	95.21	95.3	107.97
EBT Excluding Unusual Items	142.36	134.82	107.05	84.25	64.8	37.94
Pretax Income	142.36	134.82	107.05	84.25	64.8	37.94
Income Tax Expense	31	31.06	21.87	16.96	12.63	4.68
Earnings From Continuing Operations	111.35	103.76	85.18	67.29	52.17	33.27
Minority Interest in Earnings	-	-	-	-	-0.21	-0.19
Net Income	111.35	103.76	85.18	67.29	51.97	33.07
Preferred Dividends & Other Adjustments	19.52	89.97	73.73	58.21	45.22	28.81
Net Income to Common	91.83	13.79	11.44	9.08	6.75	4.26
Net Income Growth	9.86%	21.82%	26.57%	29.50%	57.13%	15.87%
Basic Shares Outstanding	-	1	1	1	1	1
Diluted Shares Outstanding	-	1	1	1	1	1
Shares Change (YoY)	-	-6.98%	2.29%	-3.26%	5.61%	-2.13%
EPS (Basic)	-	22.91	17.69	14.36	10.32	6.88
EPS (Diluted)	-	22.91	17.69	14.36	10.32	6.88
EPS Growth	-	29.55%	23.16%	39.19%	49.93%	17.26%
Dividend Per Share	20.000	20.000	15.000	10.000	5.500	3.500
Dividend Growth	33.33%	33.33%	50.00%	81.82%	57.14%	16.67%
Effective Tax Rate	21.78%	23.04%	20.43%	20.13%	19.49%	12.33%

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