Bien Sparebank 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	214.15	110.49	100.12	222.53	138.61	181.1
Investment Securities	300.22	1,132	932.07	196.34	133.47	135.88
Trading Asset Securities	692.32	-	-	699.54	1,043	997.44
Total Investments	992.55	1,132	932.07	895.88	1,177	1,133
Gross Loans	4,815	4,201	4,064	3,821	3,661	3,729
Allowance for Loan Losses	-9.07	-9.37	-10.09	-11.91	-15.69	-11.26
Net Loans	4,806	4,191	4,053	3,809	3,645	3,717
Property, Plant & Equipment	10.84	13.98	18.16	22.41	26.73	4.18
Other Current Assets	-	3.4	0.73	4.66	3.69	-
Long-Term Deferred Tax Assets	-	0.94	1.02	3.16	0.21	-
Other Long-Term Assets	5.04	1.05	0.88	1.97	5.24	5.42
Total Assets	6,029	5,453	5,106	4,960	4,997	5,041
Accounts Payable	-	4.94	5.98	6.34	1.07	1.05
Accrued Expenses	-	3.67	2.13	3.85	2.79	0.35
Interest Bearing Deposits	3,953	3,563	3,309	3,317	3,448	3,492
Total Deposits	3,953	3,563	3,309	3,317	3,448	3,492
Short-Term Borrowings	-	70.14	70.11	101.56	-	-
Current Portion of Long-Term Debt	181.45	197.19	183.04	201.79	151.1	199.41
Current Income Taxes Payable	-	17.42	13.56	8.07	7.75	7.16
Other Current Liabilities	-	-	-	-	-	0
Long-Term Debt	1,107	853.02	796.35	619	808.21	816.44
Long-Term Leases	-	10.84	15.05	-	-	-
Pension & Post-Retirement Benefits	-	-	-	-	-	0.85
Other Long-Term Liabilities	44.72	16.82	16.72	49.71	43.07	14.32
Total Liabilities	5,286	4,737	4,412	4,308	4,462	4,532
Common Stock	195.26	195.26	195.26	195.26	172.44	172.44
Additional Paid-In Capital	170.82	170.82	170.82	170.82	141.7	141.7
Retained Earnings	336.92	238.16	209.18	176.12	151.4	130.23
Comprehensive Income & Other	40	112.45	118.93	110.06	68.97	65.35
Shareholders' Equity	743	716.69	694.19	652.26	534.51	509.73
Total Liabilities & Equity	6,029	5,453	5,106	4,960	4,997	5,041
Total Debt	1,288	1,131	1,065	922.35	959.31	1,016
Net Cash (Debt)	-381.6	-1,021	-964.44	-0.28	222.53	162.71
Net Cash Growth	-	-	-	-	36.77%	-
Net Cash Per Share	-67.18	-179.70	-169.79	-0.05	44.36	32.43
Filing Date Shares Outstanding	5.68	5.68	5.68	5.68	5.02	5.02
Total Common Shares Outstanding	5.68	5.68	5.68	5.68	5.02	5.02
Book Value Per Share	123.76	119.13	115.17	107.79	100.57	95.89
Tangible Book Value	743	716.69	694.19	652.26	534.51	509.73
Tangible Book Value Per Share	123.76	119.13	115.17	107.79	100.57	95.89

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