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	Jun '26 Jun 30, 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	358.22	354.44	348.31	295.43	174.78	126.4
Interest Income on Investments	5.14	5.4	4.77	3.36	4.57	2.08
Total Interest Income	363.36	359.85	353.08	298.79	179.35	128.48
Interest Paid on Deposits	215.73	216.58	209.61	162.4	65.45	34.66
Net Interest Income	147.63	143.26	143.48	136.39	113.91	93.83
Net Interest Income Growth	2.64%	-0.15%	5.20%	19.74%	21.40%	-0.93%
Gain (Loss) on Sale of Investments	14	25.31	23.76	19.64	2.69	2.27
Other Non-Interest Income	30.32	28.96	24.5	19.65	15.37	13.61
Total Non-Interest Income	44.32	54.28	48.26	39.28	18.06	15.88
Non-Interest Income Growth	-18.50%	12.47%	22.85%	117.54%	13.74%	32.93%
Revenues Before Loan Losses	191.95	197.54	191.74	175.67	131.97	109.7
Provision for Loan Losses	-0.12	0.65	2.02	4.42	1.73	0.22
Revenue	192.07	196.89	189.72	171.25	130.23	109.48
Revenue Growth	-3.14%	3.78%	10.78%	31.50%	18.96%	10.45%
Salaries and Employee Benefits	42.84	40.92	35.58	31.18	24.25	22.76
Occupancy Expenses	2.16	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	33.85	32.49	30.99	33.58	30.52	24.44
Total Non-Interest Expense	84.55	80.97	71.68	70.17	59.73	51.48
EBT Excluding Unusual Items	107.51	115.92	118.04	101.08	70.51	58
Pretax Income	107.51	115.92	118.04	101.08	70.51	58
Income Tax Expense	24.51	26.61	27.25	23.43	16.31	13.4
Net Income	83.11	89.31	90.79	77.65	54.2	44.6
Net Income to Common	83.11	89.31	90.79	77.65	54.2	44.6
Net Income Growth	-10.49%	-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	0.60%	0.20%	-0.73%	2.35%	0.56%	2.87%
EPS (Basic)	35.45	38.20	38.91	33.04	23.60	19.53
EPS (Diluted)	35.45	38.20	38.91	33.04	23.60	19.53
EPS Growth	-11.03%	-1.82%	17.77%	40.00%	20.84%	30.37%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
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	22.79%	22.96%	23.09%	23.18%	23.13%	23.11%