Sparebanken Øst Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	2,724	2,729	2,245	1,355	966.6	1,122
Interest Income on Investments	26.5	87.4	45.9	53.9	71.4	11.8
Total Interest Income	2,751	2,816	2,291	1,409	1,038	1,133
Interest Paid on Deposits	1,840	1,797	1,416	669.3	335.3	489.3
Net Interest Income	911.3	1,019	874.7	740	702.7	644
Net Interest Income Growth (YoY)	-9.14%	16.50%	18.20%	5.31%	9.12%	-3.98%
Gain (Loss) on Sale of Assets	-	-	-	0.7	2.9	19.8
Gain (Loss) on Sale of Investments	68.7	-41.8	0.1	-83.7	8.1	150.7
Other Non-Interest Income	75.3	62.6	42	41.2	47.1	30.1
Total Non-Interest Income	144	20.8	42.1	-41.8	58.1	200.6
Non-Interest Income Growth (YoY)	316.19%	-50.59%	-	-	-71.04%	293.33%
Revenues Before Loan Losses	1,055	1,040	916.8	698.2	760.8	844.6
Provision for Loan Losses	17.8	13.6	6.7	6.8	0.5	15.1
Revenue	1,038	1,026	910.1	691.4	760.3	829.5
Revenue Growth (YoY)	1.21%	12.76%	31.63%	-9.06%	-8.34%	18.03%
Salaries and Employee Benefits	203.9	196.5	194.7	168.5	175.8	167.4
Occupancy Expenses	29.5	27.3	29	27.2	27.6	27.3
Selling, General & Administrative	-	-	-	-	-	57.4
Other Non-Interest Expense	137.1	136.2	122.1	113.8	102.2	43.9
Total Non-Interest Expense	370.5	360	345.8	309.5	305.6	296
EBT Excluding Unusual Items	667	666.2	564.3	381.9	454.7	533.5
Pretax Income	667	666.2	564.3	381.9	454.7	533.5
Income Tax Expense	128.9	142.9	123.7	85.5	79.3	80.4
Net Income	538.1	523.3	440.6	296.4	375.4	453.1
Preferred Dividends & Other Adjustments	392.6	382.4	323	217	268.5	315.8
Net Income to Common	145.5	140.9	117.6	79.4	106.9	137.3
Net Income Growth	2.73%	18.77%	48.65%	-21.04%	-17.15%	45.46%
Basic Shares Outstanding	21	21	21	21	21	21
Diluted Shares Outstanding	21	21	21	21	21	21
Shares Change (YoY)	-	-	-	-	-0.15%	-
EPS (Basic)	7.03	6.81	5.68	3.84	5.16	6.62
EPS (Diluted)	7.02	6.80	5.67	3.83	5.16	6.62
EPS Growth	3.21%	19.93%	48.04%	-25.77%	-22.05%	35.93%
Dividend Per Share	6.400	6.400	5.400	3.800	3.850	4.500
Dividend Growth	18.52%	18.52%	42.10%	-1.30%	-14.44%	25.00%
Effective Tax Rate	19.32%	21.45%	21.92%	22.39%	17.44%	15.07%

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