Spar Nord Bank A/S (CPH:SPNO)

Spar Nord Bank Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,240	604	2,370	2,325	1,981
Investment Securities	18,319	16,303	15,162	17,321	12,336
Trading Asset Securities	31,794	33,091	25,953	19,711	22,568
Total Investments	50,113	49,394	41,115	37,032	34,904
Gross Loans	64,303	60,211	57,526	50,890	44,391
Allowance for Loan Losses	-1,631	-1,643	-1,602	-1,520	-1,643
Other Adjustments to Gross Loans	-980	-1,072	-628	-284	-255
Net Loans	61,692	57,496	55,296	49,086	42,493
Property, Plant & Equipment	790	798	807	820	760
Goodwill	378	378	378	379	159
Other Intangible Assets	38	41	41	50	12
Investments in Real Estate	45	33	98	99	134
Accrued Interest Receivable	322	370	132	81	62
Other Receivables	634	550	540	589	595
Restricted Cash	-	-	-	-	61
Other Current Assets	143	128	122	116	108
Long-Term Deferred Tax Assets	-	-	201	-	-
Other Real Estate Owned & Foreclosed	34	2	6	6	5
Other Long-Term Assets	28,356	25,102	22,830	25,952	20,803
Total Assets	143,785	134,896	123,936	116,535	102,077
Interest Bearing Deposits	42,512	41,630	30,658	30,750	24,916
Non-Interest Bearing Deposits	62,997	57,637	64,140	58,789	53,914
Total Deposits	105,509	99,267	94,798	89,539	78,830
Short-Term Borrowings	4,453	4,779	2,397	2,659	2,061
Current Portion of Long-Term Debt	3,979	1,882	531	1,380	2,900
Current Portion of Leases	33	33	29	27	25
Accrued Interest Payable	216	158	79	36	22
Other Current Liabilities	1,535	2,063	2,990	2,918	912
Long-Term Debt	9,324	9,644	7,409	5,024	4,002
Long-Term Leases	139	136	129	124	112
Long-Term Deferred Tax Liabilities	392	103	-	3	12
Other Long-Term Liabilities	3,580	2,879	3,105	2,900	2,804
Total Liabilities	129,157	120,917	111,467	104,611	91,687
Common Stock	1,177	1,205	1,230	1,230	1,230
Retained Earnings	12,107	11,453	9,927	9,384	8,267
Comprehensive Income & Other	1,344	1,321	1,312	1,310	893
Shareholders' Equity	14,628	13,979	12,469	11,924	10,390
Total Liabilities & Equity	143,785	134,896	123,936	116,535	102,077
Total Debt	17,928	16,474	10,495	9,214	9,100
Net Cash (Debt)	30,353	30,531	29,958	27,187	25,611
Net Cash Growth	-0.58%	1.91%	10.19%	6.15%	28.52%
Net Cash Per Share	261.86	256.16	245.91	221.14	208.33
Filing Date Shares Outstanding	114.39	117.67	120.71	122.93	122.94
Total Common Shares Outstanding	114.39	117.67	120.71	122.93	122.94
Book Value Per Share	127.88	118.80	93.36	87.26	78.05
Tangible Book Value	14,212	13,560	12,050	11,495	10,219
Tangible Book Value Per Share	124.24	115.24	89.89	83.77	76.66

Source: S&P Capital IQ. Banks template. Financial Sources.