OSL:VVL 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	354.96	348.31	295.43	174.78	126.4	146.78
Interest Income on Investments	4.71	4.77	3.36	4.57	2.08	7.44
Total Interest Income	359.68	353.08	298.79	179.35	128.48	154.21
Interest Paid on Deposits	215.68	209.61	162.4	65.45	34.66	59.51
Net Interest Income	144	143.48	136.39	113.91	93.83	94.71
Net Interest Income Growth (YoY)	2.08%	5.20%	19.74%	21.40%	-0.93%	-3.23%
Gain (Loss) on Sale of Investments	24	23.76	19.64	2.69	2.27	-0.45
Other Non-Interest Income	28.17	24.5	19.65	15.37	13.61	12.39
Total Non-Interest Income	52.17	48.26	39.28	18.06	15.88	11.94
Non-Interest Income Growth (YoY)	1.54%	22.85%	117.54%	13.74%	32.93%	-11.38%
Revenues Before Loan Losses	196.17	191.74	175.67	131.97	109.7	106.65
Provision for Loan Losses	1.5	2.02	4.42	1.73	0.22	7.53
Revenue	194.67	189.72	171.25	130.23	109.48	99.12
Revenue Growth (YoY)	1.41%	10.78%	31.50%	18.96%	10.45%	-8.97%
Salaries and Employee Benefits	39.99	35.58	31.18	24.25	22.76	21.47
Occupancy Expenses	1.66	1.27	1.42	1.53	1.79	1.99
Selling, General & Administrative	3.84	3.84	4	3.43	2.49	2.17
Other Non-Interest Expense	34.84	30.99	33.58	30.52	24.44	30.44
Total Non-Interest Expense	80.33	71.68	70.17	59.73	51.48	56.07
EBT Excluding Unusual Items	114.35	118.04	101.08	70.51	58	43.05
Pretax Income	114.35	118.04	101.08	70.51	58	43.05
Income Tax Expense	26.32	27.25	23.43	16.31	13.4	9.79
Net Income	87.91	90.79	77.65	54.2	44.6	33.26
Net Income to Common	87.91	90.79	77.65	54.2	44.6	33.26
Net Income Growth	-7.38%	16.91%	43.28%	21.51%	34.11%	-28.87%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	1.10%	-0.73%	2.35%	0.56%	2.87%	10.88%
EPS (Basic)	37.63	38.91	33.04	23.60	19.53	14.98
EPS (Diluted)	37.63	38.91	33.04	23.60	19.53	14.98
EPS Growth	-8.38%	17.77%	40.00%	20.84%	30.37%	-35.85%
Dividend Per Share	16.500	16.500	14.100	10.500	10.050	10.300
Dividend Growth	17.02%	17.02%	34.29%	4.48%	-2.43%	-
Effective Tax Rate	23.02%	23.09%	23.18%	23.13%	23.11%	22.75%

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