Bien Sparebank ASA (OSL:BIEN)

Bien Sparebank ASA Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	321.03	305.45	251.39	154.42	118.53	136.22
Interest Income on Investments	8.39	4.67	6.48	9.1	7.83	8.34
Total Interest Income	329.42	310.11	257.86	163.52	126.36	144.56
Interest Paid on Deposits	189.82	177.57	133.35	59.9	42.41	65.18
Net Interest Income	139.6	132.54	124.51	103.62	83.95	79.38
Net Interest Income Growth (YoY)	7.94%	6.45%	20.16%	23.43%	5.76%	-14.15%
Gain (Loss) on Sale of Investments	2.02	2.02	3.41	-1.64	-0.91	2.92
Other Non-Interest Income	19.91	18.55	15.34	16.56	18.79	14.72
Total Non-Interest Income	21.93	20.57	18.75	14.93	17.88	17.64
Non-Interest Income Growth (YoY)	19.84%	9.69%	25.63%	-16.53%	1.38%	32.75%
Revenues Before Loan Losses	161.52	153.11	143.26	118.55	101.84	97.02
Provision for Loan Losses	2.27	-0.4	-2.35	2.99	3.3	3.76
Revenue	159.26	153.51	145.61	115.56	98.53	93.26
Revenue Growth (YoY)	7.06%	5.42%	26.01%	17.27%	5.65%	-11.93%
Salaries and Employee Benefits	44.94	41.46	38.34	33.32	32.54	25.89
Occupancy Expenses	4.19	4.19	4.25	4.32	4.4	0.57
Selling, General & Administrative	2.91	2.91	2.21	1.52	0.88	5.17
Other Non-Interest Expense	28.44	26.75	29.54	25.48	24.59	30.12
Total Non-Interest Expense	80.47	75.3	74.34	64.64	62.42	61.75
EBT Excluding Unusual Items	78.79	78.2	71.27	50.92	36.12	31.51
Pretax Income	78.79	78.2	71.27	50.92	36.12	31.51
Income Tax Expense	16.68	17.43	15.42	8.83	6.62	5.5
Net Income	62.11	60.77	55.85	42.09	29.5	26.02
Preferred Dividends & Other Adjustments	3.84	3.87	3.56	2.02	-	-
Net Income to Common	58.27	56.9	52.29	40.07	29.5	26.02
Net Income Growth	8.26%	8.82%	32.69%	42.70%	13.38%	-35.63%
Basic Shares Outstanding	6	6	6	6	5	5
Diluted Shares Outstanding	6	6	6	6	5	5
Shares Change (YoY)	-	-	-	13.23%	-	-
EPS (Basic)	10.26	10.02	9.21	7.05	5.88	5.19
EPS (Diluted)	10.26	10.02	9.21	7.05	5.88	5.19
EPS Growth	8.83%	8.83%	30.50%	19.98%	13.38%	-35.63%
Dividend Per Share	5.350	5.350	4.920	3.700	-	1.694
Dividend Growth	8.74%	8.74%	32.97%	-	-	-
Effective Tax Rate	21.17%	22.29%	21.64%	17.34%	18.33%	17.45%

Updated Mar 5, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.