Føroya Banki Balance Sheet

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	317.45	365.96	330.06	460.68	510.88
Investment Securities	301.23	304.41	294.84	310.32	259.25
Trading Asset Securities	1,127	1,780	1,435	1,664	1,893
Total Investments	1,428	2,085	1,730	1,974	2,152
Gross Loans	9,847	9,265	9,061	8,265	7,850
Allowance for Loan Losses	-176.74	-178.33	-178.55	-181.63	-225.52
Net Loans	9,670	9,086	8,883	8,083	7,624
Property, Plant & Equipment	119.31	126.82	136.12	133.8	149.56
Other Intangible Assets	4.42	5.08	1.7	2.4	2.68
Accrued Interest Receivable	38.71	45.61	40.66	37.67	28.96
Other Receivables	51.34	41.37	36.91	28.15	46.3
Restricted Cash	3,171	2,641	1,726	1,372	1,226
Other Current Assets	34.19	36.77	16.5	15.42	32.37
Long-Term Deferred Tax Assets	11.67	11.25	9.41	6.89	8.21
Other Real Estate Owned & Foreclosed	-	-	-	24.2	-
Other Long-Term Assets	88.48	66.4	34.66	28.25	8.83
Total Assets	14,935	14,512	12,945	12,167	11,790
Accrued Expenses	22.21	23.12	22.47	18.07	24.59
Interest Bearing Deposits	3,782	3,365	1,945	1,050	761.77
Non-Interest Bearing Deposits	7,251	6,700	6,790	7,312	7,138
Total Deposits	11,033	10,065	8,735	8,362	7,900
Short-Term Borrowings	47.63	75.91	80.57	101.75	78.85
Current Portion of Long-Term Debt	-	250	125	125	-
Current Portion of Leases	5.48	5.43	3.33	-	2.93
Current Income Taxes Payable	67.94	73.61	71.84	40.84	77.94
Accrued Interest Payable	18.71	33.59	23.43	11.67	17.21
Long-Term Debt	1,475	1,609	1,621	1,322	1,248
Long-Term Leases	55.44	59	64.24	68.53	68.53
Long-Term Unearned Revenue	62.76	61.43	59.16	55.48	53.79
Long-Term Deferred Tax Liabilities	0.53	0.51	0.02	-	-
Other Long-Term Liabilities	130.21	179.26	135.95	111.53	131.57
Total Liabilities	12,919	12,436	10,943	10,217	9,603
Common Stock	192	192	192	192	192
Retained Earnings	1,817	1,877	1,651	1,592	1,838
Comprehensive Income & Other	6.72	6.72	159.48	165.72	157.24
Shareholders' Equity	2,015	2,076	2,002	1,950	2,187
Total Liabilities & Equity	14,935	14,512	12,945	12,167	11,790
Total Debt	1,584	1,999	1,895	1,617	1,398
Net Cash (Debt)	-139.31	147.27	-129.17	507.77	1,005
Net Cash Growth	-	-	-	-49.50%	-81.14%
Net Cash Per Share	-14.55	15.38	-13.49	53.04	105.05
Filing Date Shares Outstanding	9.57	9.57	9.57	9.57	9.57
Total Common Shares Outstanding	9.57	9.57	9.57	9.57	9.57
Book Value Per Share	210.50	216.84	193.30	187.89	212.71
Tangible Book Value	2,011	2,071	2,000	1,948	2,184
Tangible Book Value Per Share	210.04	216.31	193.12	187.64	212.43

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