SpareBank 1 Østlandet Balance Sheet

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

Millions NOK. 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	688	859	677	717	964	852
Investment Securities	7,949	6,766	5,721	5,875	5,642	5,325
Trading Asset Securities	39,873	38,991	31,734	28,997	25,400	23,827
Total Investments	47,822	45,757	37,455	34,872	31,042	29,152
Gross Loans	162,748	161,360	136,386	132,130	122,258	114,828
Allowance for Loan Losses	-1,061	-1,161	-672	-446	-443	-484
Other Adjustments to Gross Loans	-	-50	-43	-33	-45	-52
Net Loans	161,687	160,149	135,671	131,651	121,770	114,292
Property, Plant & Equipment	738	688	610	619	603	620
Goodwill	-	1,090	266	278	307	307
Other Intangible Assets	1,401	343	67	75	83	103
Accrued Interest Receivable	-	39	26	20	43	36
Restricted Cash	519	601	678	1,408	-	-
Other Current Assets	-	181	154	136	150	158
Other Long-Term Assets	1,279	860	729	643	497	554
Total Assets	214,134	210,567	176,333	170,419	155,459	146,074
Accounts Payable	-	128	115	103	86	74
Accrued Expenses	-	245	143	115	114	107
Interest Bearing Deposits	135,683	19,665	19,820	11,655	7,771	8,481
Non-Interest Bearing Deposits	-	108,605	86,715	87,158	84,407	77,132
Total Deposits	135,683	128,270	106,535	98,813	92,178	85,613
Short-Term Borrowings	2,755	3,351	2,828	3,707	1,537	697
Current Portion of Long-Term Debt	-	7,336	10,895	8,747	5,577	8,663
Current Portion of Leases	-	41	37	33	36	35
Current Income Taxes Payable	503	608	496	211	709	128
Long-Term Debt	46,323	43,164	33,611	38,033	35,886	32,681
Long-Term Leases	-	107	101	116	121	126
Pension & Post-Retirement Benefits	-	70	71	75	80	83
Long-Term Deferred Tax Liabilities	677	640	489	383	130	288
Other Long-Term Liabilities	1,207	394	354	286	299	315
Total Liabilities	187,148	184,354	155,675	150,622	136,753	128,939
Common Stock	12,740	12,068	10,816	10,480	10,229	9,844
Additional Paid-In Capital	2,682	2,682	848	848	848	848
Retained Earnings	7,337	7,415	6,436	5,486	4,772	4,227
Comprehensive Income & Other	3,939	3,755	2,291	2,697	2,741	2,103
Total Common Equity	26,698	25,920	20,391	19,511	18,590	17,022
Minority Interest	288	293	267	286	116	113
Shareholders' Equity	26,986	26,213	20,658	19,797	18,706	17,135
Total Liabilities & Equity	214,134	210,567	176,333	170,419	155,459	146,074
Total Debt	49,078	53,999	47,472	50,636	43,157	42,202
Net Cash (Debt)	-8,517	-14,149	-15,061	-20,922	-16,793	-17,523
Net Cash Per Share	-63.47	-118.73	-130.03	-180.63	-144.98	-151.28
Filing Date Shares Outstanding	135.86	135.86	115.83	115.83	115.83	115.83
Total Common Shares Outstanding	135.86	135.86	115.83	115.83	115.83	115.83
Book Value Per Share	182.74	177.38	167.41	159.81	151.86	141.35
Tangible Book Value	25,297	24,487	20,058	19,158	18,200	16,612
Tangible Book Value Per Share	172.43	166.83	164.53	156.76	148.49	137.81

Source: S&P Global Market Intelligence. Banks template. Financial Sources.