SpareBank 1 SMN 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	56	654	1,172	1,171	1,252
Securities and Investments	36,547	37,820	35,300	2,736	6,139
Short-Term Interbank Lending and Reverse Repurchase Agreements	2,226	9,166	8,746	23,326	9,410
Trading Assets	-	-	6,659	37,721	30,485
Gross Loans	-	-	-	151,549	145,890
Net Loans	183,495	179,254	168,955	151,549	145,890
Net Property, Plant & Equipment	-	-	-	1,114	1,342
Other Intangible Assets	-	-	-	30	135
Goodwill	-	-	-	638	808
Long-Term Investments	11,234	10,084	8,695	19,988	14,886
Other Non-Earning Assets	2,484	2,261	1,961	46,518	35,010
Total Assets	242,914	247,699	232,717	223,312	198,845
Noninterest-bearing deposits	-	-	-	122,009	111,286
Total Deposits	146,165	140,897	132,888	122,009	111,286
Short-Term Interbank Borrowing and Repurchase Agreements	9,584	13,941	13,160	29,272	30,128
Trading Liabilities	10,102	13,383	6,989	-	-
Long-Term Debt	47,361	52,657	48,079	99,064	84,256
Other Liabilities	6,372	6,226	3,006	24,252	14,250
Total Liabilities	211,049	217,175	204,120	198,303	175,603
Common Stock	2,884	2,884	2,884	5,183	5,185
Treasury Stock	0	0	-	-11	-9
Additional Paid-in Capital	2,422	2,422	2,422	895	895
Accumulated Other Comprehensive Income	201	245	106	70	171
Retained Earnings	20,748	19,414	20,614	42,986	39,347
Total Common Shareholders' Equity	26,255	24,965	24,296	25,009	23,242
Minority Interest	2,696	2,860	2,569	-	-
Shareholders' Equity	31,865	30,523	28,597	25,009	23,242
Total Liabilities & Equity	242,914	247,699	232,717	223,312	198,845
Total Debt	47,361	52,657	48,079	99,064	84,256
Net Cash (Debt)	-47,361	-52,657	-48,079	-99,064	-84,256
Net Cash Per Share	-328.46	-365.20	-348.13	-766.06	-651.43
Book Value	26,255	24,965	24,296	25,009	23,242
Book Value Per Share	182.08	173.14	175.92	193.39	179.70
Tangible Book Value	26,255	24,965	24,296	24,341	22,299
Tangible Book Value Per Share	182.08	173.14	175.92	188.23	172.41

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.