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Price: 446.05 NOK -2.2% Market Closed

Market Cap: kr5.5B

Income Statement

Net Interest Income

Non Interest Income

Currency: NOK

		Dec-2003	Mar-2004	Jun-2004	Sep-2004	Dec-2004	Mar-2005	Jun-2005	Sep-2005	Dec-2005	Mar-2006	Jun-2006	Sep-2006	Dec-2006	Mar-2007	Jun-2007	Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025
Revenue
Net Interest Income		143	151	156	159	160	161	162	163	166	168	171	173	172	173	174	184	192	203	208	211	217	209	212	211	211	216	219	219	220	218	211	206	204	219	238	248	252	246	247	266	283	296	295	290	291	297	312	327	338	353	359	361	364	359	361	361	364	366	369	374	381	386	392	405	427	449	453	445	429	412	413	416	428	445	472	514	570	620	663	702	720	738	748	754	755	756	756	757
Interest Income		341	312	286	270	266	266	272	278	287	298	310	330	353	385	431	489	558	629	695	773	848	854	819	742	642	597	584	592	606	612	609	606	634	681	721	745	738	716	713	725	733	740	734	726	717	699	678	657	626	609	592	572	565	559	560	561	564	566	572	584	604	628	652	684	722	754	746	701	642	583	557	553	563	585	621	689	805	933	1 071	1 218	1 335	1 443	1 535	1 597	1 634	1 656	1 680	1 699
Interest Expense		198	161	130	111	106	105	110	115	121	129	140	157	181	213	257	305	367	426	488	561	631	644	607	531	431	380	365	374	387	395	398	400	429	462	483	497	486	470	467	458	451	444	439	435	426	402	366	330	288	255	233	211	202	200	199	200	200	199	203	211	223	242	261	279	295	305	293	256	213	171	144	137	135	140	149	175	235	313	408	516	615	705	787	843	879	900	924	942
Non Interest Income		77	96	106	110	85	92	91	91	83	84	84	92	98	93	97	93	92	107	102	135	86	104	99	53	144	141	177	207	190	168	155	154	216	263	297	334	299	296	302	308	328	335	352	389	384	401	386	340	309	305	330	358	371	377	348	340	368	398	430	434	411	452	456	443	428	405	389	418	449	447	502	511	509	520	478	457	436	478	495	491	432	466	459	601	623	619	735	645
Revenue		220 N/A	247 +12%	262 +6%	269 +3%	244 -9%	253 +4%	253 0%	254 +0%	249 -2%	252 +1%	254 +1%	264 +4%	270 +2%	266 -1%	271 +2%	277 +2%	284 +2%	310 +9%	310 +0%	346 +12%	303 -12%	313 +3%	311 -1%	264 -15%	355 +35%	357 +1%	397 +11%	425 +7%	409 -4%	386 -6%	366 -5%	360 -2%	420 +17%	482 +15%	536 +11%	581 +9%	551 -5%	542 -2%	549 +1%	575 +5%	611 +6%	631 +3%	647 +3%	680 +5%	675 -1%	698 +3%	698 +0%	667 -5%	646 -3%	658 +2%	689 +5%	719 +4%	734 +2%	736 +0%	709 -4%	701 -1%	732 +4%	765 +5%	798 +4%	808 +1%	792 -2%	838 +6%	848 +1%	848 0%	855 +1%	854 0%	842 -1%	863 +2%	878 +2%	859 -2%	915 +7%	927 +1%	937 +1%	965 +3%	950 -2%	971 +2%	1 006 +4%	1 098 +9%	1 158 +5%	1 193 +3%	1 152 -3%	1 204 +5%	1 207 +0%	1 355 +12%	1 378 +2%	1 375 0%	1 491 +8%	1 402 -6%
Pre-Tax Income
Loan Loss Provision		(10)	(9)	(10)	(9)	(8)	(8)	(5)	(1)	2	4	5	4	(2)	(5)	(6)	(5)	(10)	(11)	(16)	(22)	(46)	(53)	(55)	(67)	(53)	(68)	(67)	(51)	(35)	(17)	(17)	(28)	(30)	(32)	(34)	(27)	(32)	(40)	(44)	(50)	(49)	(50)	(44)	(41)	(40)	(26)	(25)	(17)	(14)	(11)	(3)	(1)	(1)	3	(4)	(7)	(0)	(5)	(7)	(11)	(6)	(1)	4	9	3	(24)	(30)	(33)	(20)	(0)	4	12	7	13	5	(2)	(9)	(6)	3	(6)	(16)	(23)	(23)	(32)	(42)	(52)	(44)	(38)
Non Interest Expense		(130)	(140)	(152)	(159)	(143)	(152)	(155)	(156)	(149)	(152)	(151)	(153)	(159)	(160)	(163)	(169)	(173)	(178)	(191)	(201)	(213)	(220)	(225)	(224)	(221)	(221)	(216)	(218)	(238)	(247)	(247)	(251)	(262)	(286)	(309)	(331)	(332)	(335)	(341)	(341)	(340)	(338)	(341)	(361)	(372)	(364)	(352)	(368)	(355)	(379)	(377)	(336)	(329)	(331)	(335)	(329)	(330)	(319)	(328)	(343)	(349)	(370)	(374)	(382)	(369)	(420)	(397)	(396)	(403)	(359)	(387)	(388)	(395)	(417)	(440)	(474)	(430)	(502)	(504)	(500)	(501)	(522)	(537)	(540)	(541)	(563)	(578)	(588)
Pre-Tax Income		80 N/A	97 +21%	100 +4%	102 +2%	93 -9%	93 -1%	93 +0%	97 +5%	102 +5%	105 +2%	108 +3%	115 +7%	109 -5%	101 -8%	102 +1%	102 0%	100 -2%	121 +21%	103 -15%	124 +19%	45 -64%	41 -8%	31 -25%	(27) N/A	80 N/A	68 -15%	113 +67%	156 +38%	136 -13%	122 -10%	103 -16%	82 -21%	129 +58%	163 +26%	193 +18%	223 +15%	188 -16%	166 -11%	164 -1%	184 +12%	222 +21%	243 +9%	262 +8%	278 +6%	263 -5%	308 +17%	321 +4%	281 -12%	278 -1%	268 -4%	309 +15%	383 +24%	404 +5%	407 +1%	370 -9%	365 -1%	401 +10%	441 +10%	463 +5%	454 -2%	437 -4%	467 +7%	478 +2%	475 -1%	489 +3%	410 -16%	415 +1%	434 +5%	455 +5%	500 +10%	532 +7%	551 +4%	549 0%	561 +2%	515 -8%	495 -4%	567 +15%	590 +4%	657 +11%	687 +5%	635 -8%	659 +4%	647 -2%	783 +21%	795 +2%	760 -4%	869 +14%	776 -11%
Net Income
Tax Provision		(23)	(28)	(30)	(30)	(29)	(31)	(31)	(33)	(30)	(31)	(32)	(33)	(30)	(27)	(28)	(28)	(27)	(33)	(28)	(35)	(7)	(5)	(1)	18	(18)	(13)	(25)	(39)	(32)	(29)	(23)	(15)	(12)	(19)	(28)	(34)	(45)	(40)	(37)	(42)	(51)	(57)	(59)	(51)	(45)	(53)	(59)	(59)	(61)	(57)	(58)	(74)	(76)	(78)	(79)	(74)	(80)	(83)	(79)	(81)	(79)	(76)	(78)	(80)	(86)	(78)	(80)	(80)	(86)	(97)	(101)	(109)	(106)	(116)	(110)	(107)	(115)	(117)	(139)	(148)	(142)	(144)	(141)	(142)	(143)	(140)	(137)	(137)
Income from Continuing Operations		57	69	71	72	64	62	62	64	72	74	76	83	79	73	75	74	73	88	75	89	38	36	30	(9)	62	55	89	117	105	93	79	66	117	145	165	189	142	127	127	142	172	186	203	226	218	255	262	222	218	211	250	310	328	330	291	291	321	358	384	373	358	391	400	395	404	332	335	354	369	402	431	442	443	445	405	388	452	473	518	539	493	515	506	641	652	620	732	639
Income to Minority Interest		(0)	(0)	(0)	(0)	0	(0)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(1)	0	0	0	(0)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income (Common)		56 N/A	68 +22%	70 +3%	71 +2%	64 -10%	62 -4%	62 0%	64 +4%	72 +12%	74 +3%	76 +3%	83 +9%	79 -5%	73 -7%	75 +2%	74 -1%	73 -1%	88 +21%	75 -14%	89 +18%	38 -57%	36 -5%	30 -18%	(9) N/A	62 N/A	55 -11%	89 +61%	117 +32%	105 -11%	93 -11%	79 -14%	66 -17%	108 +63%	131 +21%	157 +20%	179 +14%	137 -24%	126 -8%	117 -7%	130 +11%	158 +22%	168 +6%	187 +11%	210 +12%	203 -3%	239 +18%	245 +2%	208 -15%	206 -1%	193 -6%	226 +17%	279 +23%	309 +11%	315 +2%	281 -11%	283 +0%	300 +6%	335 +12%	361 +8%	350 -3%	335 -4%	366 +9%	374 +2%	369 -1%	378 +2%	311 -18%	315 +1%	333 +6%	345 +4%	376 +9%	403 +7%	415 +3%	415 0%	419 +1%	381 -9%	364 -4%	423 +16%	443 +5%	485 +10%	505 +4%	461 -9%	483 +5%	475 -2%	601 +27%	607 +1%	577 -5%	681 +18%	593 -13%
EPS (Diluted)		37.53 N/A	44.22 +18%	44.9 +2%	46.1 +3%	42.73 -7%	39.95 -7%	39.92 0%	41.34 +4%	47.93 +16%	47.69 -1%	48.54 +2%	53.6 +10%	52.8 -1%	47.4 -10%	48.19 +2%	47.69 -1%	48.53 +2%	56.85 +17%	48.72 -14%	57.42 +18%	25.26 -56%	23.37 -7%	19.14 -18%	-6.04 N/A	41.4 N/A	35.7 -14%	57.34 +61%	75.63 +32%	69.8 -8%	59.99 -14%	51.35 -14%	42.72 -17%	11.03 -74%	13.41 +22%	15.18 +13%	18.35 +21%	14.11 -23%	12.91 -9%	11.95 -7%	13.33 +12%	16.28 +22%	17.26 +6%	19.17 +11%	21.51 +12%	20.66 -4%	24.53 +19%	22.38 -9%	18.52 -17%	18.18 -2%	17.15 -6%	20.1 +17%	24.79 +23%	27.57 +11%	27.97 +1%	24.99 -11%	25.11 +0%	24.21 -4%	27.07 +12%	29.1 +7%	28.28 -3%	27.04 -4%	29.54 +9%	30.22 +2%	29.81 -1%	30.45 +2%	25.07 -18%	24.98 0%	26.75 +7%	27.85 +4%	30.31 +9%	32.45 +7%	33.48 +3%	33.43 0%	33.77 +1%	30.8 -9%	29.25 -5%	34.17 +17%	35.74 +5%	39.25 +10%	40.72 +4%	37.27 -8%	38.91 +4%	38.19 -2%	48.47 +27%	49.01 +1%	46.54 -5%	54.86 +18%	47.73 -13%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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