SpareBank 1 Sør-Norge ASA 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	1,839	3,066	2,012	1,356	523	2,096
Investment Securities	84,169	69,106	63,794	59,126	61,160	44,444
Trading Asset Securities	10,015	14,087	16,859	19,460	6,054	9,580
Total Investments	94,184	83,193	80,653	78,586	67,214	54,024
Gross Loans	393,760	386,650	276,671	264,207	235,635	230,522
Allowance for Loan Losses	-1,552	-1,572	-1,244	-1,685	-1,721	-2,215
Other Adjustments to Gross Loans	-	-1,303	-1,129	-654	-472	-836
Net Loans	392,208	383,775	274,298	261,868	233,442	227,471
Property, Plant & Equipment	1,716	1,720	1,314	1,237	1,313	1,340
Goodwill	-	4,050	345	423	423	264
Other Intangible Assets	4,071	22	20	24	30	10
Accrued Interest Receivable	-	19	9	11	2	15
Restricted Cash	-	108	71	63	57	56
Other Current Assets	-	61	33	31	38	17
Long-Term Deferred Tax Assets	2,407	2,404	2,612	1,075	598	1,015
Other Long-Term Assets	1,304	916	816	1,049	758	717
Total Assets	507,768	479,336	362,186	345,730	304,403	287,049
Accounts Payable	-	96	93	92	66	109
Accrued Expenses	-	751	572	452	513	223
Interest Bearing Deposits	223,294	36,481	33,270	22,742	18,574	16,335
Non-Interest Bearing Deposits	-	167,525	115,806	125,358	119,090	101,835
Total Deposits	223,294	204,006	149,076	148,100	137,664	118,170
Short-Term Borrowings	8,403	9,872	14,360	15,978	3,280	7,039
Current Portion of Long-Term Debt	3,578	28,861	2,525	3,221	2,557	3,930
Current Portion of Leases	-	96	66	62	58	-
Current Income Taxes Payable	1,280	1,178	2,706	1,345	232	835
Other Current Liabilities	-	157	149	65	57	60
Long-Term Debt	214,452	180,466	158,154	146,815	131,871	129,317
Long-Term Leases	468	409	324	274	301	365
Pension & Post-Retirement Benefits	437	431	261	251	277	204
Other Long-Term Liabilities	1,796	376	339	388	348	404
Total Liabilities	453,708	426,699	328,625	317,043	277,224	260,656
Common Stock	9,386	9,386	6,607	6,394	6,394	6,394
Additional Paid-In Capital	14,719	14,719	2,354	1,587	1,587	1,587
Retained Earnings	-	3,191	1,982	1,790	1,535	1,407
Comprehensive Income & Other	29,955	25,341	22,618	18,916	17,663	17,000
Total Common Equity	54,060	52,637	33,561	28,687	27,179	26,388
Minority Interest	-	-	-	-	-	5
Shareholders' Equity	54,060	52,637	33,561	28,687	27,179	26,393
Total Liabilities & Equity	507,768	479,336	362,186	345,730	304,403	287,049
Total Debt	226,901	219,704	175,429	166,350	138,067	140,651
Net Cash (Debt)	-215,047	-202,551	-156,558	-145,534	-131,490	-128,975
Net Cash Per Share	-468.61	-539.48	-592.37	-569.11	-514.22	-503.71
Filing Date Shares Outstanding	375.42	375.37	264.22	255.72	255.71	255.73
Total Common Shares Outstanding	375.42	375.37	264.22	255.72	255.71	255.73
Book Value Per Share	133.34	128.77	115.08	105.53	99.05	95.95
Tangible Book Value	49,989	48,565	33,196	28,240	26,726	26,114
Tangible Book Value Per Share	122.50	117.92	113.70	103.78	97.28	94.88

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