Kraft Bank ASA 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	40.4	103.72	71.61	13.14	38.1	83.23
Investment Securities	705.26	613.4	484.61	432.88	497.45	406.72
Trading Asset Securities	0.16	-	3.77	5.09	1.33	-
Total Investments	705.42	613.4	488.38	437.97	498.78	406.72
Gross Loans	3,715	3,688	3,231	3,276	2,337	1,525
Allowance for Loan Losses	-62.39	-44.74	-26.27	-20.68	-13.57	-10.58
Net Loans	3,653	3,643	3,205	3,256	2,323	1,515
Property, Plant & Equipment	3.02	4.29	4.4	4.69	6.13	2.63
Other Intangible Assets	11.44	10.32	4.38	5.29	4.85	3.37
Other Current Assets	7.3	2.44	2.77	2.15	1.12	0.5
Long-Term Deferred Tax Assets	5.33	5.77	1.83	4.7	5.09	4.06
Other Long-Term Assets	-0	0	0	0	-0	-
Total Assets	4,426	4,383	3,778	3,724	2,877	2,015
Accounts Payable	-	5.97	3.25	4.22	2.71	4.96
Accrued Expenses	9.46	7.95	5.24	18	16.66	9.44
Interest Bearing Deposits	3,857	3,848	3,262	3,236	2,470	1,670
Total Deposits	3,857	3,848	3,262	3,236	2,470	1,670
Short-Term Borrowings	-	-	-	40.33	-	-
Current Portion of Long-Term Debt	-	0.37	0.34	-	-	-
Current Income Taxes Payable	14.69	13.26	11.33	15.21	16.49	8.69
Other Current Liabilities	-	2.29	2.18	1.86	1.3	1.24
Long-Term Debt	40.34	40	40	-	-	-
Long-Term Leases	2.75	3.85	3.56	3.34	4.39	1.43
Other Long-Term Liabilities	14.14	4.11	7.96	4.04	1.82	1.47
Total Liabilities	3,938	3,926	3,336	3,323	2,513	1,697
Common Stock	42	42	42	42	42	42
Additional Paid-In Capital	214.56	230.1	242.7	242.7	253.2	253.2
Retained Earnings	-	27.56	42.34	46.47	46.24	26.87
Comprehensive Income & Other	230.65	157.73	115.39	69.04	23.01	-3.86
Shareholders' Equity	487.22	457.39	442.43	400.21	364.46	318.21
Total Liabilities & Equity	4,426	4,383	3,778	3,724	2,877	2,015
Total Debt	43.09	44.22	43.9	43.67	4.39	1.43
Net Cash (Debt)	-2.54	59.5	31.49	-25.44	35.03	81.8
Net Cash Growth	-	88.97%	-	-	-57.17%	214.46%
Net Cash Per Share	-0.06	1.32	0.75	-0.61	0.83	1.75
Filing Date Shares Outstanding	42	42	42	42	42	42
Total Common Shares Outstanding	42	42	42	42	42	42
Book Value Per Share	11.60	10.89	10.53	9.53	8.68	7.58
Tangible Book Value	475.78	447.07	438.05	394.92	359.6	314.85
Tangible Book Value Per Share	11.33	10.64	10.43	9.40	8.56	7.50

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