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	Jun '26 Jun 30, 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	404.58	415.47	412.53	338.81	197.2	140.22
Interest Income on Investments	21.38	23.42	13.4	21.34	18.98	14.05
Total Interest Income	425.96	438.89	425.94	360.15	216.18	154.27
Interest Paid on Deposits	223.57	228.52	224.7	165.77	63.82	28.68
Net Interest Income	202.38	210.38	201.23	194.38	152.36	125.59
Net Interest Income Growth	-3.88%	4.54%	3.53%	27.58%	21.31%	3.61%
Gain (Loss) on Sale of Investments	14.89	14.89	18.12	10.07	4.48	5.16
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-	0.08
Other Non-Interest Income	36.99	31.9	27.28	27.41	29.15	33.69
Total Non-Interest Income	51.88	46.78	45.39	37.49	33.63	38.93
Non-Interest Income Growth	11.57%	3.06%	21.10%	11.47%	-13.61%	-10.87%
Revenues Before Loan Losses	254.26	257.16	246.63	231.87	185.99	164.52
Provision for Loan Losses	-1.87	-0.15	6.26	8.33	6.53	4.41
Revenue	256.13	257.31	240.37	223.53	179.46	160.11
Revenue Growth	0.92%	7.05%	7.54%	24.55%	12.09%	9.72%
Salaries and Employee Benefits	44.66	43.29	40.93	36.31	32.64	36.14
Occupancy Expenses	8.79	9.89	6.35	7.03	6.65	6.06
Selling, General & Administrative	5.21	5.21	5.83	7.58	3.33	3.07
Other Non-Interest Expense	55.62	56.28	52.46	65.56	52.59	50.04
Total Non-Interest Expense	114.28	114.68	105.56	116.49	95.21	95.3
EBT Excluding Unusual Items	141.85	142.64	134.82	107.05	84.25	64.8
Pretax Income	141.85	142.64	134.82	107.05	84.25	64.8
Income Tax Expense	29.77	29.57	31.06	21.87	16.96	12.63
Earnings From Continuing Operations	112.09	113.07	103.76	85.18	67.29	52.17
Minority Interest in Earnings	-	-	-	-	-	-0.21
Net Income	112.09	113.07	103.76	85.18	67.29	51.97
Preferred Dividends & Other Adjustments	48.9	98.76	89.96	73.73	58.21	45.22
Net Income to Common	63.19	14.3	13.79	11.44	9.08	6.75
Net Income Growth	352.51%	3.70%	20.56%	25.99%	34.65%	58.33%
Basic Shares Outstanding	-	1	1	1	1	1
Diluted Shares Outstanding	-	1	1	1	1	1
Shares Change	-	2.87%	-6.98%	2.29%	-3.26%	5.61%
EPS (Basic)	-	23.11	22.92	17.69	14.36	10.32
EPS (Diluted)	-	23.11	22.92	17.69	14.36	10.32
EPS Growth	-	0.81%	29.60%	23.16%	39.19%	49.93%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	22.000	22.000	20.000	15.000	10.000	5.500
Dividend Growth	10.00%	10.00%	33.33%	50.00%	81.82%	57.14%
Effective Tax Rate	20.98%	20.73%	23.04%	20.43%	20.13%	19.49%