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Price: 68.01 NOK

Market Cap: kr9.5B

Income Statement

Net Interest Income

Non Interest Income

Currency: NOK

		Dec-2000	Mar-2001	Jun-2001	Sep-2001	Dec-2001	Mar-2002	Jun-2002	Sep-2002	Dec-2002	Mar-2003	Jun-2003	Sep-2003	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
Revenue
Net Interest Income		115	118	120	122	124	127	131	135	138	139	141	143	143	147	155	161	167	171	171	170	169	167	165	166	168	171	172	175	180	186	193	202	232	253	277	311	321	332	340	337	325	316	307	299	301	297	298	296	295	289	293	299	302	314	315	314	321	326	336	342	346	357	371	389	403	444	483	520	560	568	573	581	593	598	603	625	657	691	691	679	649	619	661	778	920	1 079	1 262	1 398	1 574	1 751	1 866	1 975	2 038	2 082	2 125
Interest Income		301	323	346	365	377	386	398	414	431	441	436	411	367	330	299	283	283	285	291	296	304	317	334	355	383	416	457	505	563	624	680	742	912	1 035	1 097	1 108	984	889	858	873	889	892	885	878	883	894	899	890	874	854	846	840	830	830	824	819	819	805	782	748	706	675	655	643	642	696	754	809	867	873	889	911	943	973	1 008	1 062	1 127	1 186	1 165	1 087	980	877	892	1 051	1 253	1 496	1 808	2 112	2 584	3 096	3 538	4 025	4 385	4 699	4 995
Interest Expense		186	206	225	243	253	259	267	279	293	302	296	269	225	183	143	122	116	114	120	126	135	150	169	189	214	245	284	330	383	438	486	540	679	782	819	797	664	558	518	536	565	577	578	579	582	596	601	594	579	565	554	541	529	516	509	505	498	478	447	406	359	318	284	254	239	253	270	288	306	306	316	330	351	376	404	437	470	495	475	408	331	259	232	273	333	417	546	714	1 010	1 345	1 672	2 050	2 347	2 614	2 867
Non Interest Income		84	89	59	63	64	68	72	76	72	71	72	75	86	88	88	90	89	89	92	92	95	99	95	97	85	93	99	104	107	102	91	71	125	152	201	269	280	296	318	302	254	277	260	248	236	245	249	290	330	355	392	399	406	422	438	493	494	482	456	383	365	352	374	406	396	557	574	607	667	658	694	691	640	668	650	635	637	606	641	683	651	9 128	17 765	17 883	1 136	9 631	1 132	1 105	1 176	1 259	1 251	1 219	1 036	1 151	1 117
Revenue		199 N/A	206 +4%	179 -13%	184 +3%	188 +2%	195 +4%	203 +4%	210 +4%	210 0%	210 0%	213 +2%	218 +2%	229 +5%	235 +3%	244 +4%	251 +3%	257 +2%	260 +1%	263 +1%	262 0%	264 +1%	266 +1%	260 -2%	264 +1%	253 -4%	264 +4%	271 +3%	279 +3%	287 +3%	288 +0%	285 -1%	274 -4%	357 +31%	405 +13%	478 +18%	580 +21%	600 +4%	628 +5%	658 +5%	639 -3%	579 -9%	592 +2%	566 -4%	548 -3%	537 -2%	542 +1%	547 +1%	586 +7%	625 +7%	644 +3%	685 +6%	698 +2%	707 +1%	736 +4%	752 +2%	807 +7%	815 +1%	809 -1%	792 -2%	724 -8%	711 -2%	710 0%	745 +5%	794 +7%	799 +1%	1 000 +25%	1 057 +6%	1 127 +7%	1 227 +9%	1 225 0%	1 267 +3%	1 272 +0%	1 233 -3%	1 265 +3%	1 254 -1%	1 260 +0%	1 293 +3%	1 297 +0%	1 332 +3%	1 363 +2%	1 300 -5%	9 746 +650%	18 426 +89%	18 662 +1%	2 056 -89%	10 710 +421%	2 394 -78%	2 503 +5%	2 750 +10%	3 010 +9%	3 117 +4%	3 194 +2%	3 074 -4%	3 233 +5%	3 242 +0%
Pre-Tax Income
Loan Loss Provision		(7)	(9)	(12)	(12)	(14)	(15)	(14)	(18)	(18)	(23)	(23)	(22)	(20)	(20)	(22)	(22)	(16)	(10)	(8)	(8)	(9)	(9)	(4)	(2)	(2)	(6)	(9)	(11)	(13)	(10)	(8)	(14)	(50)	(65)	(97)	(102)	(70)	(57)	(36)	(29)	(11)	(9)	1	1	(33)	(31)	(19)	(21)	(8)	(9)	(25)	(20)	(3)	1	7	2	(71)	(66)	(69)	(76)	(17)	(21)	40	55	54	47	(11)	(14)	(1)	(3)	(13)	(3)	(1)	0	14	4	(2)	(24)	(43)	(30)	(31)	(5)	(100)	(75)	(79)	(66)	30	(12)	(40)	(51)	(2)	(14)	57	33	4
Non Interest Expense		(118)	(121)	(108)	(110)	(116)	(118)	(125)	(128)	(127)	(130)	(129)	(132)	(142)	(145)	(152)	(148)	(150)	(153)	(151)	(157)	(147)	(156)	(157)	(155)	(155)	(160)	(164)	(169)	(173)	(176)	(180)	(178)	(238)	(262)	(296)	(335)	(335)	(326)	(324)	(325)	(300)	(354)	(364)	(368)	(376)	(370)	(366)	(365)	(369)	(374)	(392)	(415)	(418)	(437)	(442)	(433)	(439)	(439)	(435)	(452)	(465)	(487)	(482)	(462)	(456)	(486)	(543)	(597)	(614)	(625)	(510)	(507)	(500)	(509)	(614)	(621)	(626)	(698)	(697)	(694)	(639)	(9 065)	(17 580)	(17 695)	(947)	(9 559)	(1 261)	(1 328)	(1 399)	(1 451)	(1 435)	(1 442)	(1 420)	(1 490)	(1 520)
Pre-Tax Income		74 N/A	77 +4%	59 -23%	63 +8%	58 -9%	63 +9%	64 +1%	65 +1%	65 +1%	57 -12%	61 +7%	64 +6%	66 +3%	69 +5%	70 +1%	81 +15%	90 +12%	98 +9%	104 +6%	97 -7%	108 +11%	101 -7%	99 -2%	107 +8%	96 -10%	98 +2%	98 +1%	99 +1%	100 +1%	102 +2%	96 -5%	82 -15%	70 -14%	78 +12%	85 +8%	143 +68%	196 +37%	245 +25%	297 +22%	284 -4%	268 -6%	229 -15%	203 -11%	181 -11%	128 -29%	142 +11%	163 +15%	200 +22%	248 +24%	261 +5%	268 +2%	263 -2%	287 +9%	299 +4%	317 +6%	376 +19%	305 -19%	304 0%	287 -6%	196 -32%	230 +17%	202 -12%	303 +50%	387 +28%	397 +3%	561 +41%	503 -10%	516 +3%	612 +19%	597 -2%	744 +25%	762 +2%	732 -4%	757 +3%	654 -14%	643 -2%	665 +3%	576 -13%	592 +3%	639 +8%	630 -1%	675 +7%	747 +11%	891 +19%	1 030 +16%	1 085 +5%	1 163 +7%	1 163 N/A	1 311 +13%	1 508 +15%	1 680 +11%	1 738 +3%	1 711 -2%	1 776 +4%	1 726 -3%
Net Income
Tax Provision		(20)	(21)	(17)	(18)	(17)	(19)	(19)	(19)	(19)	(18)	(17)	(20)	(20)	(21)	(23)	(24)	(29)	(31)	(34)	(31)	(29)	(28)	(26)	(29)	(27)	(27)	(28)	(28)	(28)	(29)	(28)	(23)	(16)	(17)	(16)	(32)	(52)	(62)	(70)	(65)	(61)	(49)	(49)	(45)	(30)	(32)	(40)	(48)	(65)	(70)	(69)	(65)	(70)	(74)	(75)	(77)	(55)	(53)	(50)	(43)	(54)	(47)	(77)	(90)	(89)	(105)	(90)	(89)	(104)	(107)	(126)	(133)	(136)	(132)	(115)	(119)	(126)	(123)	(125)	(129)	(125)	(132)	(110)	(140)	(161)	(178)	(228)	(239)	(270)	(317)	(373)	(386)	(400)	(398)	(385)
Income from Continuing Operations		53	55	42	45	41	45	45	45	46	39	44	45	46	48	48	57	61	67	70	66	79	73	74	77	69	71	71	71	72	73	69	58	54	61	69	111	143	183	227	219	207	180	154	135	99	110	123	152	183	192	199	197	216	225	243	299	250	251	238	153	176	155	226	297	308	457	413	428	509	490	618	630	596	625	539	524	539	452	467	509	505	543	636	752	869	907	935	924	1 041	1 191	1 307	1 352	1 311	1 378	1 341
Income to Minority Interest		0	0	0	0	0	(0)	(0)	(1)	(1)	(0)	(0)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(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)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(0)	(1)	(1)	(1)	(1)	(3)	(3)	(4)	(4)	(4)	(4)	(3)	(3)	(2)	(1)	(1)	(1)	(2)
Net Income (Common)		53 N/A	55 +4%	42 -25%	45 +8%	41 -10%	44 +10%	44 0%	45 +1%	45 +1%	39 -13%	43 +11%	44 +2%	46 +3%	48 +4%	47 -2%	57 +21%	61 +7%	66 +9%	69 +4%	65 -5%	78 +19%	72 -7%	73 +0%	77 +5%	68 -11%	70 +3%	69 0%	70 +1%	71 +1%	72 +1%	69 -4%	58 -15%	54 -8%	61 +14%	69 +12%	111 +62%	143 +29%	183 +28%	227 +24%	219 -4%	207 -6%	180 -13%	154 -14%	135 -12%	99 -27%	110 +11%	123 +13%	152 +23%	183 +20%	155 -15%	114 -27%	65 -42%	41 -37%	43 +4%	46 +7%	56 +22%	47 -17%	46 -1%	43 -6%	27 -37%	32 +17%	31 -4%	54 +75%	74 +38%	78 +6%	178 +128%	198 +11%	241 +22%	302 +25%	288 -4%	361 +25%	366 +1%	345 -6%	364 +5%	312 -14%	301 -3%	302 +0%	253 -16%	259 +2%	280 +8%	275 -2%	303 +10%	367 +21%	445 +21%	518 +16%	541 +5%	558 +3%	553 -1%	630 +14%	721 +14%	792 +10%	820 +4%	795 -3%	836 +5%	813 -3%
EPS (Diluted)		22.16 N/A	22.72 +3%	17.13 -25%	18.43 +8%	16.91 -8%	18.23 +8%	18.17 0%	18.3 +1%	18.75 +2%	15.97 -15%	7.01 -56%	7.13 +2%	7.37 +3%	7.7 +4%	7.56 -2%	9.04 +20%	9.75 +8%	10.66 +9%	11.11 +4%	10.52 -5%	12.51 +19%	11.7 -6%	11.76 +1%	12.4 +5%	10.96 -12%	11.28 +3%	11.23 0%	11.33 +1%	11.45 +1%	11.65 +2%	11.14 -4%	9.45 -15%	8.69 -8%	9.91 +14%	6.28 -37%	10.18 +62%	13.15 +29%	16.73 +27%	20.76 +24%	20.03 -4%	19 -5%	16.44 -13%	14.08 -14%	12.38 -12%	9.05 -27%	10.03 +11%	11.28 +12%	13.89 +23%	16.8 +21%	14.19 -16%	10.37 -27%	5.7 -45%	3.78 -34%	3.91 +3%	4.17 +7%	5.11 +23%	4.25 -17%	3.74 -12%	3.95 +6%	2.49 -37%	1.49 -40%	1.43 -4%	2.5 +75%	3.45 +38%	3.65 +6%	2.82 -23%	3.14 +11%	3.81 +21%	4.78 +25%	4.42 -8%	4.88 +10%	4.95 +1%	5.4 +9%	5.63 +4%	4.83 -14%	4.76 -1%	4.63 -3%	4.12 -11%	3.84 -7%	4.28 +11%	4.34 +1%	3.87 -11%	4.45 +15%	3.69 -17%	5.37 +46%	3.96 -26%	3.98 +1%	3.94 -1%	4.27 +8%	5.14 +20%	5.65 +10%	5.85 +4%	5.67 -3%	5.96 +5%	5.8 -3%

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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