Jæren Sparebank 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	35.28	32.87	32.76	81.27	86.3	80.7
Investment Securities	2,847	2,688	2,554	2,269	2,067	2,029
Trading Asset Securities	221.35	74.16	171.23	65.69	21.35	18.65
Total Investments	3,069	2,762	2,726	2,335	2,088	2,048
Gross Loans	17,149	15,984	14,574	14,228	13,623	12,944
Allowance for Loan Losses	-27.86	-31.34	-36.43	-47.13	-37.84	-42.44
Other Adjustments to Gross Loans	-5.18	-7.37	-5.17	-	-	-
Net Loans	17,116	15,945	14,533	14,181	13,585	12,901
Property, Plant & Equipment	91.45	87.97	86.6	81.69	82.81	44.18
Other Intangible Assets	-	-	4.51	9.02	13.56	18.09
Other Current Assets	19.85	18.74	12.94	21.34	31.28	42.17
Other Long-Term Assets	4.66	5.9	3.77	1.13	0.05	0.95
Total Assets	20,336	18,853	17,399	16,710	15,888	15,135
Accounts Payable	-	4.52	12.37	3.77	6.95	3.17
Accrued Expenses	23.53	28.03	21.83	23.58	39.55	42.22
Interest Bearing Deposits	13,159	12,248	11,217	10,820	10,250	9,701
Total Deposits	13,159	12,248	11,217	10,820	10,250	9,701
Short-Term Borrowings	0.23	0.01	0.68	0.12	0.67	2.73
Current Portion of Long-Term Debt	-	800	479	660	161.33	652.33
Current Portion of Leases	-	3.99	-	-	-	-
Current Income Taxes Payable	-	61.42	50.06	27.61	37.85	31.7
Other Current Liabilities	-	-	-	-	0.2	0.3
Long-Term Debt	4,323	3,024	3,020	2,789	3,215	2,675
Long-Term Leases	53.6	48.34	53.5	51.43	50.28	19.9
Pension & Post-Retirement Benefits	-	5.14	7.81	5.36	3.17	5.41
Long-Term Deferred Tax Liabilities	-	7.05	4.87	5.03	2.42	1.69
Other Long-Term Liabilities	78.12	14.16	15.9	17.4	14.66	16.67
Total Liabilities	17,638	16,244	14,884	14,404	13,782	13,152
Common Stock	123.31	123.31	123.31	123.31	123.31	123.31
Additional Paid-In Capital	432.39	432.39	431.03	429.87	428.77	428.12
Retained Earnings	1,678	1,620	1,811	1,282	1,222	1,177
Treasury Stock	-	-10.28	-0.38	-0.4	-0.27	-0.31
Comprehensive Income & Other	464.57	443.54	150	471.88	331.86	254.54
Shareholders' Equity	2,698	2,609	2,515	2,307	2,105	1,983
Total Liabilities & Equity	20,336	18,853	17,399	16,710	15,888	15,135
Total Debt	4,377	3,876	3,554	3,501	3,427	3,350
Net Cash (Debt)	-4,121	-3,769	-3,350	-3,354	-3,320	-3,250
Net Cash Per Share	-835.38	-764.09	-679.07	-679.93	-673.00	-658.96
Filing Date Shares Outstanding	4.93	4.93	4.92	4.92	4.92	4.92
Total Common Shares Outstanding	4.93	4.93	4.92	4.92	4.92	4.92
Book Value Per Share	516.64	498.43	481.02	448.68	407.33	382.62
Tangible Book Value	2,698	2,609	2,511	2,298	2,092	1,965
Tangible Book Value Per Share	516.64	498.43	480.10	446.84	404.58	378.94

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