Jæren Sparebank 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	32.52	32.87	32.76	81.27	86.3
Investment Securities	3,047	2,688	2,554	2,269	2,067
Trading Asset Securities	355	74.16	171.23	65.69	21.35
Total Investments	3,402	2,762	2,726	2,335	2,088
Gross Loans	17,424	15,984	14,574	14,228	13,623
Allowance for Loan Losses	-26.43	-31.34	-36.43	-47.13	-37.84
Other Adjustments to Gross Loans	-4.54	-7.37	-5.17	-	-
Net Loans	17,393	15,945	14,533	14,181	13,585
Property, Plant & Equipment	91.28	87.97	86.6	81.69	82.81
Other Intangible Assets	-	-	4.51	9.02	13.56
Other Current Assets	14.81	18.74	12.94	21.34	31.28
Other Long-Term Assets	2.96	5.9	3.77	1.13	0.05
Total Assets	20,936	18,853	17,399	16,710	15,888
Accounts Payable	-	4.52	12.37	3.77	6.95
Accrued Expenses	22.61	28.03	21.83	23.58	39.55
Interest Bearing Deposits	13,525	12,248	11,217	10,820	10,250
Total Deposits	13,525	12,248	11,217	10,820	10,250
Short-Term Borrowings	2.03	0.01	0.68	0.12	0.67
Current Portion of Long-Term Debt	-	800	479	660	161.33
Current Portion of Leases	-	3.99	-	-	-
Current Income Taxes Payable	-	61.42	50.06	27.61	37.85
Other Current Liabilities	-	-	-	-	0.2
Long-Term Debt	4,428	3,024	3,020	2,789	3,215
Long-Term Leases	52.52	48.34	53.5	51.43	50.28
Pension & Post-Retirement Benefits	-	5.14	7.81	5.36	3.17
Long-Term Deferred Tax Liabilities	-	7.05	4.87	5.03	2.42
Other Long-Term Liabilities	98.36	14.16	15.9	17.4	14.66
Total Liabilities	18,129	16,244	14,884	14,404	13,782
Common Stock	123.31	123.31	123.31	123.31	123.31
Additional Paid-In Capital	433.94	432.39	431.03	429.87	428.77
Retained Earnings	1,727	1,620	1,811	1,282	1,222
Treasury Stock	-0.36	-10.28	-0.38	-0.4	-0.27
Comprehensive Income & Other	523.25	443.54	150	471.88	331.86
Shareholders' Equity	2,807	2,609	2,515	2,307	2,105
Total Liabilities & Equity	20,936	18,853	17,399	16,710	15,888
Total Debt	4,483	3,876	3,554	3,501	3,427
Net Cash (Debt)	-4,095	-3,769	-3,350	-3,354	-3,320
Net Cash Per Share	-830.21	-764.09	-679.07	-679.93	-673.00
Filing Date Shares Outstanding	4.93	4.93	4.92	4.92	4.92
Total Common Shares Outstanding	4.93	4.93	4.92	4.92	4.92
Book Value Per Share	538.73	498.43	481.02	448.68	407.33
Tangible Book Value	2,807	2,609	2,511	2,298	2,092
Tangible Book Value Per Share	538.73	498.43	480.10	446.84	404.58

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