Trøndelag 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	129.72	501.87	366.62	143.33	98.99	108.36
Interest Income on Investments	453.11	50.97	31.79	11.23	6.13	4.26
Total Interest Income	582.83	552.84	398.42	154.56	105.12	112.62
Interest Paid on Deposits	362.62	338.96	216.57	57.9	28.21	36.25
Total Interest Expense	362.62	338.96	216.57	57.9	28.21	36.25
Net Interest Income	220.21	213.88	181.85	96.66	76.91	76.37
Net Interest Income Growth (YoY)	3.98%	17.61%	88.13%	25.68%	0.70%	7.71%
Other Non-Interest Income	110.11	98.65	96.61	37.36	40.29	26.94
Total Non-Interest Income	110.11	98.65	96.61	37.36	40.29	26.94
Non-Interest Income Growth (YoY)	17.60%	2.11%	158.59%	-7.27%	49.59%	25.12%
Revenues Before Loan Losses	330.32	312.53	278.46	134.02	117.2	103.31
Provision for Loan Losses	15.14	22.96	6.04	3.45	-6.13	8.94
Revenue	315.18	289.58	272.43	130.57	123.33	94.37
Revenue Growth (YoY)	9.45%	6.30%	108.64%	5.87%	30.69%	7.97%
Salaries and Employee Benefits	121.95	113.21	89.93	41.5	38.4	28.21
Occupancy Expenses	9.58	7.78	4.2	4.37	4.06	1.62
Selling, General & Administrative	11.43	11.43	9.62	4.49	3.76	4.75
Other Non-Interest Expense	82.5	71.99	70.44	33.19	28.19	24.28
Total Non-Interest Expense	225.45	204.41	174.19	83.56	74.4	58.85
EBT Excluding Unusual Items	89.72	85.17	98.24	47.02	48.93	35.52
Pretax Income	89.72	85.17	82.05	44.59	48.93	35.52
Income Tax Expense	16.71	16.38	10.66	9.18	10.84	7.56
Earnings From Continuing Operations	73.02	68.79	71.39	35.41	38.09	27.96
Minority Interest in Earnings	-0.42	-1.37	-0.6	-0.02	-0.02	-
Net Income	72.6	67.42	70.8	35.39	38.07	27.96
Preferred Dividends & Other Adjustments	34.75	38.55	38.72	-	-	-
Net Income to Common	37.85	28.87	32.07	35.39	38.07	27.96
Net Income Growth	4.54%	-4.77%	100.02%	-7.04%	36.17%	9.43%
Basic Shares Outstanding	-	4	4	-	-	-
Diluted Shares Outstanding	-	4	4	-	-	-
Shares Change (YoY)	-	1.18%	-	-	-	-
EPS (Basic)	-	7.48	8.40	-	-	-
EPS (Diluted)	-	7.48	8.40	-	-	-
EPS Growth	-	-11.04%	-	-	-	-
Dividend Per Share	4.800	4.800	-	-	-	-
Effective Tax Rate	18.62%	19.23%	12.99%	20.58%	22.15%	21.27%

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