Tinde Sparebank 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	525.3	403.71	318.39	208.25	151.85	169.22
Interest Income on Investments	64.8	48.11	40.51	28.35	16.06	15.47
Total Interest Income	590.1	451.82	358.9	236.6	167.91	184.68
Interest Paid on Deposits	330.89	253.76	175.28	80.66	46.91	68.73
Total Interest Expense	330.89	253.76	175.28	80.66	46.91	68.73
Net Interest Income	259.21	198.07	183.62	155.94	121	115.96
Net Interest Income Growth (YoY)	33.04%	7.87%	17.75%	28.88%	4.35%	4.29%
Gain (Loss) on Sale of Investments	2.49	-1.38	4.13	-2.5	1.67	-
Gain (Loss) on Sale of Equity Investments	-0.24	-0.24	-	-	-	-
Other Non-Interest Income	65.53	44.1	35.05	34.56	41.57	34.75
Total Non-Interest Income	67.78	42.48	39.19	32.05	43.25	34.75
Non-Interest Income Growth (YoY)	66.12%	8.41%	22.25%	-25.88%	24.45%	8.86%
Revenues Before Loan Losses	326.99	240.55	222.81	188	164.25	150.71
Provision for Loan Losses	45.76	21.66	27.06	10.75	4.11	13.36
Revenue	281.23	218.89	195.75	177.25	160.14	137.34
Revenue Growth (YoY)	33.28%	11.82%	10.43%	10.69%	16.60%	0.01%
Salaries and Employee Benefits	93.98	65.15	57.03	47.13	44.67	45.13
Occupancy Expenses	7.54	5.17	5.05	4.47	4.38	5.96
Selling, General & Administrative	5.84	5.84	5.2	4.54	3.92	-
Other Non-Interest Expense	75.61	42.74	44.84	46.13	39.68	47.98
Total Non-Interest Expense	182.96	118.9	112.11	102.28	92.65	99.07
EBT Excluding Unusual Items	98.27	99.98	83.63	74.97	67.48	38.28
Asset Writedown	-	-	-	-	-	-1.92
Pretax Income	98.27	99.98	83.63	74.97	67.48	36.36
Income Tax Expense	18.32	20.15	15.48	14.45	14.5	6.24
Net Income	79.95	79.84	68.15	60.52	52.98	30.12
Preferred Dividends & Other Adjustments	11.48	54.21	50.07	43.16	36.99	21.13
Net Income to Common	68.47	25.62	18.08	17.36	15.99	9
Net Income Growth	4.59%	17.15%	12.60%	14.23%	75.89%	-25.54%
Basic Shares Outstanding	-	3	2	2	2	2
Diluted Shares Outstanding	-	3	2	2	2	2
Shares Change (YoY)	-	27.89%	-	-	10.58%	56.16%
EPS (Basic)	-	10.20	9.20	8.83	8.14	5.06
EPS (Diluted)	-	10.20	9.20	8.83	8.14	5.06
EPS Growth	-	10.80%	4.16%	8.55%	60.76%	-38.86%
Dividend Per Share	9.000	9.000	7.630	8.650	8.000	3.360
Dividend Growth	17.95%	17.95%	-11.79%	8.13%	138.09%	-59.42%
Effective Tax Rate	18.65%	20.15%	18.51%	19.28%	21.49%	17.16%

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