Sogn Sparebank 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	Mar '26 Mar 31, 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	407.71	415.96	412.53	338.81	197.2	140.22
Interest Income on Investments	23.3	22.93	13.4	21.34	18.98	14.05
Total Interest Income	431.01	438.89	425.94	360.15	216.18	154.27
Interest Paid on Deposits	223.45	228.52	224.7	165.77	63.82	28.68
Net Interest Income	207.55	210.38	201.23	194.38	152.36	125.59
Net Interest Income Growth (YoY)	1.76%	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	47.52	46.78	27.28	27.41	29.15	33.69
Total Non-Interest Income	47.52	46.78	45.39	37.49	33.63	38.93
Non-Interest Income Growth (YoY)	-2.03%	3.06%	21.10%	11.47%	-13.61%	-10.87%
Revenues Before Loan Losses	255.08	257.16	246.63	231.87	185.99	164.52
Provision for Loan Losses	1.01	-0.15	6.26	8.33	6.53	4.41
Revenue	254.06	257.31	240.37	223.53	179.46	160.11
Revenue Growth (YoY)	1.21%	7.05%	7.54%	24.55%	12.09%	9.72%
Salaries and Employee Benefits	50.59	50.24	40.93	36.31	32.64	36.14
Occupancy Expenses	10.33	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	53.56	54.55	52.46	65.56	52.59	50.04
Total Non-Interest Expense	114.49	114.68	105.56	116.49	95.21	95.3
EBT Excluding Unusual Items	139.57	142.64	134.82	107.05	84.25	64.8
Pretax Income	139.57	142.64	134.82	107.05	84.25	64.8
Income Tax Expense	29.47	29.57	31.06	21.87	16.96	12.63
Earnings From Continuing Operations	110.11	113.07	103.76	85.18	67.29	52.17
Minority Interest in Earnings	-	-	-	-	-	-0.21
Net Income	110.11	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	110.11	113.07	13.79	11.44	9.08	6.75
Net Income Growth	0.14%	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)	-	-1.53%	-6.98%	2.29%	-3.26%	5.61%
EPS (Basic)	-	190.81	22.91	17.69	14.36	10.32
EPS (Diluted)	-	190.81	22.91	17.69	14.36	10.32
EPS Growth	-	732.75%	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	21.11%	20.73%	23.04%	20.43%	20.13%	19.49%