Rogaland Sparebank (OSL:ROGS)

Rogaland Sparebank 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,271	2,195	1,730	989.72	659.47	774.46
Interest Income on Investments	43.14	42.66	53.77	65.54	47.75	57.72
Total Interest Income	2,314	2,238	1,783	1,055	707.21	832.19
Interest Paid on Deposits	1,522	1,477	1,114	494.03	203.37	304.88
Net Interest Income	792.32	761.49	669.34	561.23	503.84	527.3
Net Interest Income Growth (YoY)	13.64%	13.77%	19.26%	11.39%	-4.45%	1.02%
Gain (Loss) on Sale of Investments	15.01	15.01	13.9	-49.48	4.05	-7.97
Other Non-Interest Income	138.54	123.79	91.89	137.73	102.49	85.28
Total Non-Interest Income	153.55	138.8	105.79	88.25	106.54	77.31
Non-Interest Income Growth (YoY)	36.29%	31.20%	19.88%	-17.17%	37.82%	-18.14%
Revenues Before Loan Losses	945.86	900.29	775.13	649.48	610.38	604.61
Provision for Loan Losses	30.06	23.63	10.63	11.35	-32.34	24.69
Revenue	915.81	876.66	764.5	638.13	642.72	579.92
Revenue Growth (YoY)	14.40%	14.67%	19.80%	-0.71%	10.83%	-3.82%
Salaries and Employee Benefits	232.94	224.5	204.26	179.8	161.94	146.55
Occupancy Expenses	17.9	17.5	18.19	15.37	18.86	23.67
Selling, General & Administrative	21.02	21.02	16.77	17.87	15.21	13.15
Other Non-Interest Expense	117.03	107.36	103.68	98.24	89.37	85.61
Total Non-Interest Expense	388.88	370.38	342.91	311.28	285.39	268.99
EBT Excluding Unusual Items	526.92	506.29	421.59	326.86	357.34	310.93
Asset Writedown	-	-	-	-1.02	-	-
Other Unusual Items	63.17	63.17	-25.8	-11.8	-29.1	-
Pretax Income	556.11	535.47	395.79	314.04	328.24	310.93
Income Tax Expense	50.34	77.87	65.9	47.87	46.93	50.16
Net Income	506.04	457.6	329.89	266.17	281.31	260.77
Preferred Dividends & Other Adjustments	172.51	172.51	120.08	97.15	102.96	94.92
Net Income to Common	333.53	285.08	209.81	169.02	178.35	165.85
Net Income Growth	42.68%	38.71%	23.94%	-5.38%	7.87%	-5.88%
Basic Shares Outstanding	24	23	21	21	21	21
Diluted Shares Outstanding	24	23	21	21	21	21
Shares Change (YoY)	-0.95%	9.21%	0.32%	0.12%	0.04%	-8.99%
EPS (Basic)	13.93	12.42	9.99	8.07	8.53	7.93
EPS (Diluted)	13.90	12.40	9.99	8.07	8.50	7.90
EPS Growth	29.96%	24.18%	23.74%	-5.07%	7.60%	0.17%
Dividend Per Share	9.500	9.500	7.500	6.050	5.350	5.950
Dividend Growth	26.67%	26.67%	23.97%	13.08%	-10.08%	19.00%
Effective Tax Rate	9.05%	14.54%	16.65%	15.25%	14.30%	16.13%

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