OSL:VVL Income Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	353.26	354.44	348.31	295.43	174.78	126.4
Interest Income on Investments	5.43	5.4	4.77	3.36	4.57	2.08
Total Interest Income	358.69	359.85	353.08	298.79	179.35	128.48
Interest Paid on Deposits	216.42	216.58	209.61	162.4	65.45	34.66
Net Interest Income	142.27	143.26	143.48	136.39	113.91	93.83
Net Interest Income Growth (YoY)	0.58%	-0.15%	5.20%	19.74%	21.40%	-0.93%
Gain (Loss) on Sale of Investments	23.43	25.31	23.76	19.64	2.69	2.27
Other Non-Interest Income	29.7	28.96	24.5	19.65	15.37	13.61
Total Non-Interest Income	53.13	54.28	48.26	39.28	18.06	15.88
Non-Interest Income Growth (YoY)	2.49%	12.47%	22.85%	117.54%	13.74%	32.93%
Revenues Before Loan Losses	195.4	197.54	191.74	175.67	131.97	109.7
Provision for Loan Losses	0.53	0.65	2.02	4.42	1.73	0.22
Revenue	194.87	196.89	189.72	171.25	130.23	109.48
Revenue Growth (YoY)	1.79%	3.78%	10.78%	31.50%	18.96%	10.45%
Salaries and Employee Benefits	42.77	40.92	35.58	31.18	24.25	22.76
Occupancy Expenses	2.02	1.85	1.27	1.42	1.53	1.79
Selling, General & Administrative	5.71	5.71	3.84	4	3.43	2.49
Other Non-Interest Expense	33.33	32.49	30.99	33.58	30.52	24.44
Total Non-Interest Expense	83.83	80.97	71.68	70.17	59.73	51.48
EBT Excluding Unusual Items	111.04	115.92	118.04	101.08	70.51	58
Pretax Income	111.04	115.92	118.04	101.08	70.51	58
Income Tax Expense	25.41	26.61	27.25	23.43	16.31	13.4
Net Income	85.81	89.31	90.79	77.65	54.2	44.6
Net Income to Common	85.81	89.31	90.79	77.65	54.2	44.6
Net Income Growth	-4.46%	-1.63%	16.91%	43.28%	21.51%	34.11%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	0.35%	0.20%	-0.73%	2.35%	0.56%	2.87%
EPS (Basic)	36.62	38.20	38.91	33.04	23.60	19.53
EPS (Diluted)	36.62	38.20	38.91	33.04	23.60	19.53
EPS Growth	-4.80%	-1.82%	17.77%	40.00%	20.84%	30.37%
Dividend Per Share	18.750	18.750	16.500	14.100	10.500	10.050
Dividend Growth	13.64%	13.64%	17.02%	34.29%	4.48%	-2.43%
Effective Tax Rate	22.88%	22.96%	23.09%	23.18%	23.13%	23.11%