SpareBank 1 Østlandet 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	9,640	8,943	7,184	4,248	2,800
Interest Income on Investments	2,402	2,156	1,546	663	260
Total Interest Income	12,042	11,099	8,730	4,911	3,060
Interest Paid on Deposits	7,272	6,824	5,045	2,176	879
Net Interest Income	4,770	4,275	3,685	2,735	2,181
Net Interest Income Growth (YoY)	11.58%	16.01%	34.73%	25.40%	-1.67%
Gain (Loss) on Sale of Investments	208	321	168	-67	174
Gain (Loss) on Sale of Equity Investments	520	660	36	186	405
Other Non-Interest Income	2,155	1,690	1,455	1,588	1,663
Total Non-Interest Income	2,883	2,671	1,659	1,707	2,242
Non-Interest Income Growth (YoY)	7.94%	61.00%	-2.81%	-23.86%	15.39%
Revenues Before Loan Losses	7,653	6,946	5,344	4,442	4,423
Provision for Loan Losses	301	299	307	27	5
Revenue	7,352	6,647	5,037	4,415	4,418
Revenue Growth (YoY)	10.61%	31.96%	14.09%	-0.07%	15.32%
Salaries and Employee Benefits	1,614	1,404	1,213	1,153	1,127
Occupancy Expenses	166	154	114	116	122
Selling, General & Administrative	117	107	97	88	86
Other Non-Interest Expense	1,109	883	747	673	645
Total Non-Interest Expense	3,006	2,548	2,171	2,030	1,980
EBT Excluding Unusual Items	4,346	4,099	2,866	2,385	2,438
Asset Writedown	-	-	-5	-	-
Pretax Income	4,279	4,052	2,845	2,379	2,438
Income Tax Expense	730	696	623	431	416
Earnings From Continuing Operations	3,549	3,356	2,222	1,948	2,022
Minority Interest in Earnings	-33	-30	-4	-21	-9
Net Income	3,516	3,326	2,218	1,927	2,013
Preferred Dividends & Other Adjustments	1,044	1,069	717	611	627
Net Income to Common	2,472	2,257	1,501	1,316	1,386
Net Income Growth	5.71%	49.95%	15.10%	-4.27%	25.66%
Basic Shares Outstanding	136	119	116	116	116
Diluted Shares Outstanding	136	119	116	116	116
Shares Change (YoY)	14.01%	2.88%	-	-	-
EPS (Basic)	18.20	18.94	12.96	11.36	11.97
EPS (Diluted)	18.20	18.94	12.96	11.36	11.97
EPS Growth	-3.93%	46.15%	14.06%	-5.05%	25.20%
Dividend Per Share	12.700	10.300	7.800	6.800	6.000
Dividend Growth	23.30%	32.05%	14.71%	13.33%	25.26%
Effective Tax Rate	17.06%	17.18%	21.90%	18.12%	17.06%

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