DNB Bank ASA (DNBBF)

DNB Bank ASA Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	170,969	186,742	153,550	75,241	43,997
Interest Income on Investments	5,802	6,812	7,095	4,751	2,890
Total Interest Income	176,771	193,554	160,645	79,992	46,887
Interest Paid on Deposits	107,840	129,643	101,757	29,080	4,693
Interest Paid on Borrowings	4,200	-279	-2,658	2,619	3,504
Total Interest Expense	112,040	129,364	99,099	31,699	8,197
Net Interest Income	64,731	64,190	61,546	48,293	38,690
Net Interest Income Growth (YoY)	0.84%	4.30%	27.44%	24.82%	0.17%
Gain (Loss) on Sale of Assets	18	101	54	-31	9
Gain (Loss) on Sale of Investments	-	-140	-3	-1,409	-1,282
Gain (Loss) on Sale of Equity Investments	1,206	1,719	449	746	524
Other Non-Interest Income	24,722	20,665	19,659	18,509	17,893
Total Non-Interest Income	25,946	22,345	20,159	17,815	17,144
Non-Interest Income Growth (YoY)	16.11%	10.84%	13.16%	3.91%	-7.54%
Revenues Before Loan Losses	90,677	86,535	81,705	66,108	55,834
Provision for Loan Losses	2,803	1,209	2,649	-272	-868
Revenue	87,874	85,326	79,056	66,380	56,702
Revenue Growth (YoY)	2.99%	7.93%	19.10%	17.07%	20.01%
Salaries and Employee Benefits	20,422	17,521	16,278	14,672	13,684
Occupancy Expenses	3,751	3,619	3,613	3,455	3,360
Selling, General & Administrative	-	1,762	1,739	1,585	1,448
Other Non-Interest Expense	10,303	7,131	6,764	6,061	5,398
Total Non-Interest Expense	34,476	30,033	28,394	25,773	23,890
EBT Excluding Unusual Items	53,398	55,293	50,662	40,607	32,812
Asset Writedown	-	25	-181	-10	4
Pretax Income	53,398	54,878	50,439	40,579	32,667
Income Tax Expense	9,894	9,074	10,811	7,411	7,462
Earnings From Continuing Operations	43,504	45,804	39,628	33,168	25,205
Earnings From Discontinued Operations	82	-	-149	270	150
Minority Interest in Earnings	-39	-33	-2	-82	-26
Net Income	43,547	45,771	39,477	33,356	25,329
Preferred Dividends & Other Adjustments	1,603	1,901	1,311	769	922
Net Income to Common	41,944	43,870	38,166	32,587	24,407
Net Income Growth	-4.86%	15.94%	18.35%	31.69%	27.58%
Basic Shares Outstanding	1,474	1,495	1,537	1,550	1,550
Diluted Shares Outstanding	1,474	1,495	1,537	1,550	1,550
Shares Change (YoY)	-1.40%	-2.71%	-0.87%	0.00%	-0.27%
EPS (Basic)	28.45	29.34	24.83	21.02	15.74
EPS (Diluted)	28.45	29.34	24.83	21.02	15.74
EPS Growth	-3.03%	18.14%	18.14%	33.51%	30.84%
Dividend Per Share	-	16.750	16.000	12.500	9.750
Dividend Growth	-	4.69%	28.00%	28.21%	8.33%
Effective Tax Rate	18.53%	16.54%	21.43%	18.26%	22.84%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.