Føroya Banki Balance Sheet

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	3,440	365.96	330.06	460.68	510.88	1,236
Investment Securities	1,818	304.41	294.84	310.32	259.25	316.15
Trading Asset Securities	-	1,780	1,435	1,664	1,893	4,485
Total Investments	1,818	2,085	1,730	1,974	2,152	4,801
Gross Loans	9,777	9,265	9,061	8,265	7,850	7,920
Allowance for Loan Losses	-178.99	-178.33	-178.55	-181.63	-225.52	-311.81
Net Loans	9,598	9,086	8,883	8,083	7,624	7,608
Property, Plant & Equipment	121.24	126.82	136.12	133.8	149.56	152.23
Other Intangible Assets	4.59	5.08	1.7	2.4	2.68	2.43
Accrued Interest Receivable	-	45.61	40.66	37.67	28.96	38.06
Other Receivables	14.69	41.37	36.91	28.15	46.3	32.39
Restricted Cash	-	2,641	1,726	1,372	1,226	149.12
Other Current Assets	6.24	36.77	16.5	15.42	32.37	3,256
Long-Term Deferred Tax Assets	11.25	11.25	9.41	6.89	8.21	0.2
Other Real Estate Owned & Foreclosed	-	-	-	24.2	-	4.47
Other Long-Term Assets	156.77	66.4	34.66	28.25	8.83	9.56
Total Assets	15,170	14,512	12,945	12,167	11,790	17,290
Accrued Expenses	-	23.12	22.47	18.07	24.59	21.99
Interest Bearing Deposits	10,880	3,365	1,945	1,050	761.77	578.13
Non-Interest Bearing Deposits	-	6,700	6,790	7,312	7,138	7,155
Total Deposits	10,880	10,065	8,735	8,362	7,900	7,733
Short-Term Borrowings	-	75.91	80.57	101.75	78.85	90.92
Current Portion of Long-Term Debt	-	250	125	125	-	-
Current Portion of Leases	-	5.43	3.33	-	2.93	9.95
Current Income Taxes Payable	126.59	73.61	71.84	40.84	77.94	31.14
Accrued Interest Payable	-	33.59	23.43	11.67	17.21	8.14
Other Current Liabilities	-	-	-	-	-	6,520
Long-Term Debt	1,839	1,609	1,621	1,322	1,248	224.7
Long-Term Leases	-	59	64.24	68.53	68.53	63.9
Long-Term Unearned Revenue	1.92	61.43	59.16	55.48	53.79	48.57
Long-Term Deferred Tax Liabilities	0.41	0.51	0.02	-	-	3.09
Other Long-Term Liabilities	377.61	179.26	135.95	111.53	131.57	112.57
Total Liabilities	13,226	12,436	10,943	10,217	9,603	14,868
Common Stock	192	192	192	192	192	192
Retained Earnings	1,746	1,877	1,651	1,592	1,838	2,070
Comprehensive Income & Other	6.72	6.72	159.48	165.72	157.24	160.15
Shareholders' Equity	1,945	2,076	2,002	1,950	2,187	2,422
Total Liabilities & Equity	15,170	14,512	12,945	12,167	11,790	17,290
Total Debt	1,839	1,999	1,895	1,617	1,398	389.46
Net Cash (Debt)	1,601	147.27	-129.17	507.77	1,005	5,332
Net Cash Growth	72.70%	-	-	-49.50%	-81.14%	-12.92%
Net Cash Per Share	167.21	15.38	-13.49	53.04	105.05	558.55
Filing Date Shares Outstanding	9.58	9.57	9.57	9.57	9.57	9.55
Total Common Shares Outstanding	9.58	9.57	9.57	9.57	9.57	9.55
Book Value Per Share	203.09	216.84	193.30	187.89	212.71	237.90
Tangible Book Value	1,940	2,071	2,000	1,948	2,184	2,420
Tangible Book Value Per Share	202.62	216.31	193.12	187.64	212.43	237.65

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.