Bien Sparebank ASA Balance Sheet

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	73.55	110.49	100.12	222.53	138.61
Investment Securities	254.75	1,132	932.07	196.34	133.47
Trading Asset Securities	709.53	-	-	699.54	1,043
Total Investments	964.27	1,132	932.07	895.88	1,177
Gross Loans	5,070	4,201	4,064	3,821	3,661
Allowance for Loan Losses	-10.16	-9.37	-10.09	-11.91	-15.69
Net Loans	5,060	4,191	4,053	3,809	3,645
Property, Plant & Equipment	30.54	13.98	18.16	22.41	26.73
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	4.13	1.05	0.88	1.97	5.24
Total Assets	6,133	5,453	5,106	4,960	4,997
Accounts Payable	-	4.94	5.98	6.34	1.07
Accrued Expenses	-	3.67	2.13	3.85	2.79
Interest Bearing Deposits	3,928	3,563	3,309	3,317	3,448
Total Deposits	3,928	3,563	3,309	3,317	3,448
Short-Term Borrowings	-	70.14	70.11	101.56	-
Current Portion of Long-Term Debt	95.65	197.19	183.04	201.79	151.1
Current Income Taxes Payable	17.51	17.42	13.56	8.07	7.75
Long-Term Debt	1,275	853.02	796.35	619	808.21
Long-Term Leases	-	10.84	15.05	-	-
Other Long-Term Liabilities	45.76	16.82	16.72	49.71	43.07
Total Liabilities	5,362	4,737	4,412	4,308	4,462
Common Stock	195.26	195.26	195.26	195.26	172.44
Additional Paid-In Capital	170.82	170.82	170.82	170.82	141.7
Retained Earnings	269.18	238.16	209.18	176.12	151.4
Comprehensive Income & Other	135.52	112.45	118.93	110.06	68.97
Shareholders' Equity	770.79	716.69	694.19	652.26	534.51
Total Liabilities & Equity	6,133	5,453	5,106	4,960	4,997
Total Debt	1,370	1,131	1,065	922.35	959.31
Net Cash (Debt)	-587.34	-1,021	-964.44	-0.28	222.53
Net Cash Growth	-	-	-	-	36.77%
Net Cash Per Share	-103.40	-179.70	-169.79	-0.05	44.36
Filing Date Shares Outstanding	5.68	5.68	5.68	5.68	5.02
Total Common Shares Outstanding	5.68	5.68	5.68	5.68	5.02
Book Value Per Share	128.66	119.13	115.17	107.79	100.57
Tangible Book Value	770.79	716.69	694.19	652.26	534.51
Tangible Book Value Per Share	128.66	119.13	115.17	107.79	100.57

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.