SpareBank 1 Helgeland 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	1,308	1,464	925	1,513	930	695
Investment Securities	6,757	5,711	6,223	5,860	5,939	4,862
Trading Asset Securities	39	30	64	31	39	67
Total Investments	6,796	5,741	6,287	5,891	5,978	4,929
Gross Loans	32,251	31,539	29,300	30,903	32,387	27,652
Allowance for Loan Losses	-266	-276	-220	-141	-230	-291
Net Loans	31,985	31,263	29,080	30,762	32,157	27,361
Property, Plant & Equipment	270	272	259	209	153	118
Goodwill	-	44	44	44	44	-
Other Intangible Assets	65	29	39	50	60	-
Accrued Interest Receivable	-	108	155	91	47	45
Other Receivables	-	-	-	11	18	15
Other Current Assets	-	25	38	27	28	10
Long-Term Deferred Tax Assets	-	24	29	26	14	26
Other Real Estate Owned & Foreclosed	-	-	1	1	1	5
Other Long-Term Assets	69	3	3	-	3	3
Total Assets	40,493	38,973	36,860	38,625	39,433	33,207
Accrued Expenses	-	60	50	54	103	134
Interest Bearing Deposits	25,349	13,951	13,583	13,999	12,768	10,792
Non-Interest Bearing Deposits	-	11,117	11,100	11,130	10,784	7,892
Total Deposits	25,349	25,068	24,683	25,129	23,552	18,684
Short-Term Borrowings	72	92	81	58	12	39
Current Portion of Long-Term Debt	308	1,078	1,419	1,721	2,012	930
Current Portion of Leases	-	20	31	46	22	-
Current Income Taxes Payable	-	160	151	118	41	63
Other Current Liabilities	-	18	42	42	52	31
Long-Term Debt	9,169	7,255	5,352	6,521	9,013	9,490
Long-Term Leases	17	-	-	-	-	17
Total Liabilities	35,125	33,751	31,809	33,689	34,807	29,388
Common Stock	263	258	266	268	270	209
Additional Paid-In Capital	1,505	1,505	1,505	1,505	1,505	971
Retained Earnings	3,180	3,039	2,864	2,737	2,428	2,298
Comprehensive Income & Other	420	420	416	423	420	338
Total Common Equity	5,368	5,222	5,051	4,933	4,623	3,816
Minority Interest	-	-	-	3	3	3
Shareholders' Equity	5,368	5,222	5,051	4,936	4,626	3,819
Total Liabilities & Equity	40,493	38,973	36,860	38,625	39,433	33,207
Total Debt	9,566	8,445	6,883	8,346	11,059	10,476
Net Cash (Debt)	-8,219	-6,951	-5,894	-6,802	-10,090	-9,714
Net Cash Per Share	-303.76	-256.51	-218.47	-252.36	-372.45	-466.27
Filing Date Shares Outstanding	26.95	26.91	26.97	26.98	27	20.87
Total Common Shares Outstanding	26.95	26.91	26.97	26.98	27	20.87
Book Value Per Share	184.44	179.29	172.53	168.07	156.49	168.52
Tangible Book Value	5,303	5,149	4,968	4,839	4,519	3,816
Tangible Book Value Per Share	182.02	176.58	169.45	164.58	152.64	168.52

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