SpareBank 1 SMN 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	1,081	654	1,172	1,171	1,252	2,764
Investment Securities	10,782	46,841	43,010	46,076	38,252	33,936
Trading Asset Securities	42,208	8,174	7,644	7,514	5,772	9,586
Total Investments	52,990	55,015	50,654	53,590	44,024	43,522
Gross Loans	195,484	189,376	178,711	164,398	152,099	139,834
Allowance for Loan Losses	-841	-848	-907	-1,081	-1,410	-1,517
Other Adjustments to Gross Loans	-	-108	-103	-105	-95	-95
Net Loans	194,643	188,420	177,701	163,212	150,594	138,222
Property, Plant & Equipment	717	738	666	557	672	664
Goodwill	-	1,092	1,078	-	808	757
Other Intangible Assets	1,249	138	150	663	45	148
Accrued Interest Receivable	175	211	153	104	186	185
Other Receivables	2,194	221	66	262	300	678
Other Current Assets	179	190	112	1,919	59	41
Long-Term Deferred Tax Assets	1	1	6	5	90	129
Other Long-Term Assets	911	1,019	959	1,627	815	802
Total Assets	254,140	247,699	232,717	223,110	198,845	187,912
Accrued Expenses	984	571	464	401	785	682
Interest Bearing Deposits	159,354	46,388	45,735	35,530	28,394	24,697
Non-Interest Bearing Deposits	-	108,450	100,313	101,116	97,957	87,926
Total Deposits	159,354	154,838	146,048	136,646	126,351	112,623
Short-Term Borrowings	4,717	6,152	6,989	8,307	3,909	7,179
Current Portion of Long-Term Debt	-	8,226	3,981	9,647	7,222	7,355
Current Portion of Leases	-	82	59	56	59	63
Current Income Taxes Payable	970	1,042	880	705	583	408
Other Current Liabilities	1	2	1	1,093	1	1
Long-Term Debt	55,828	44,683	44,092	40,158	35,341	37,002
Long-Term Leases	442	378	344	283	417	416
Pension & Post-Retirement Benefits	8	8	9	6	8	10
Long-Term Deferred Tax Liabilities	290	290	236	127	56	81
Other Long-Term Liabilities	585	903	1,019	874	872	783
Total Liabilities	223,279	217,175	204,122	198,303	175,604	166,603
Common Stock	2,884	2,884	2,884	2,597	2,597	2,597
Additional Paid-In Capital	2,422	2,422	2,422	895	895	895
Retained Earnings	19,011	17,508	17,077	15,076	13,862	12,769
Treasury Stock	-	-	-	-11	-9	-9
Comprehensive Income & Other	5,862	6,889	5,546	5,253	4,907	4,219
Total Common Equity	30,179	29,703	27,929	23,810	22,252	20,471
Minority Interest	682	821	666	997	989	838
Shareholders' Equity	30,861	30,524	28,595	24,807	23,241	21,309
Total Liabilities & Equity	254,140	247,699	232,717	223,110	198,845	187,912
Total Debt	60,987	59,521	55,465	58,451	46,948	52,015
Net Cash (Debt)	-17,698	-50,693	-46,649	-49,766	-39,924	-39,665
Net Cash Per Share	-122.74	-351.58	-337.78	-384.84	-308.68	-306.63
Filing Date Shares Outstanding	144.19	144.21	144.2	129.29	129.39	129.39
Total Common Shares Outstanding	144.19	144.21	144.2	129.29	129.39	129.39
Book Value Per Share	196.25	191.83	180.48	170.48	161.99	148.22
Tangible Book Value	28,930	28,473	26,701	23,147	21,399	19,566
Tangible Book Value Per Share	187.59	183.30	171.96	165.35	155.39	141.22

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