Kraft Bank 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	102.27	103.72	71.61	13.14	38.1
Investment Securities	611.88	613.4	484.61	432.88	497.45
Trading Asset Securities	0.07	-	3.77	5.09	1.33
Total Investments	611.96	613.4	488.38	437.97	498.78
Gross Loans	3,736	3,688	3,231	3,276	2,337
Allowance for Loan Losses	-64.32	-44.74	-26.27	-20.68	-13.57
Net Loans	3,672	3,643	3,205	3,256	2,323
Property, Plant & Equipment	7.49	4.29	4.4	4.69	6.13
Other Intangible Assets	12.1	10.32	4.38	5.29	4.85
Other Current Assets	4.34	2.44	2.77	2.15	1.12
Long-Term Deferred Tax Assets	5.1	5.77	1.83	4.7	5.09
Other Long-Term Assets	-	0	0	0	-0
Total Assets	4,415	4,383	3,778	3,724	2,877
Accounts Payable	-	5.97	3.25	4.22	2.71
Accrued Expenses	9.08	7.95	5.24	18	16.66
Interest Bearing Deposits	3,817	3,848	3,262	3,236	2,470
Total Deposits	3,817	3,848	3,262	3,236	2,470
Short-Term Borrowings	-	-	-	40.33	-
Current Portion of Long-Term Debt	-	0.37	0.34	-	-
Current Income Taxes Payable	21.22	13.26	11.33	15.21	16.49
Other Current Liabilities	-	2.29	2.18	1.86	1.3
Long-Term Debt	40.35	40	40	-	-
Long-Term Leases	7.33	3.85	3.56	3.34	4.39
Other Long-Term Liabilities	13.42	4.11	7.96	4.04	1.82
Total Liabilities	3,908	3,926	3,336	3,323	2,513
Common Stock	42	42	42	42	42
Additional Paid-In Capital	214.56	230.1	242.7	242.7	253.2
Retained Earnings	65.04	27.56	42.34	46.47	46.24
Comprehensive Income & Other	185.29	157.73	115.39	69.04	23.01
Shareholders' Equity	506.89	457.39	442.43	400.21	364.46
Total Liabilities & Equity	4,415	4,383	3,778	3,724	2,877
Total Debt	47.68	44.22	43.9	43.67	4.39
Net Cash (Debt)	54.66	59.5	31.49	-25.44	35.03
Net Cash Growth	-8.13%	88.97%	-	-	-57.17%
Net Cash Per Share	1.30	1.32	0.75	-0.61	0.83
Filing Date Shares Outstanding	42	42	42	42	42
Total Common Shares Outstanding	42	42	42	42	42
Book Value Per Share	12.07	10.89	10.53	9.53	8.68
Tangible Book Value	494.79	447.07	438.05	394.92	359.6
Tangible Book Value Per Share	11.78	10.64	10.43	9.40	8.56

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