SpareBank 1 Nord-Norge 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	1,251	1,404	402	145	399	360
Investment Securities	30,163	25,956	23,688	23,668	5,512	5,372
Trading Asset Securities	1,332	2,319	2,145	2,252	21,083	20,008
Total Investments	31,495	28,275	25,833	25,920	26,595	25,380
Gross Loans	71,768	71,178	98,351	91,359	85,945	86,819
Allowance for Loan Losses	-761	-826	-756	-664	-643	-762
Other Adjustments to Gross Loans	-	-370	-304	-291	-258	-226
Net Loans	71,007	69,982	97,291	90,404	85,044	85,831
Property, Plant & Equipment	878	811	811	829	859	975
Goodwill	-	186	185	117	114	109
Other Intangible Assets	193	7	8	1	2	4
Loans Held for Sale	37,998	34,240	3,045	4,233	5,664	3,917
Accrued Interest Receivable	95	-	-	-	-	-
Other Receivables	-	302	139	270	52	135
Other Current Assets	457	275	212	286	111	91
Other Long-Term Assets	213	191	212	114	340	496
Total Assets	143,587	135,673	128,138	122,319	119,180	117,298
Accounts Payable	-	-	-	759	-	-
Accrued Expenses	-	83	126	114	134	146
Interest Bearing Deposits	8,116	8,522	7,981	6,432	5,458	4,218
Non-Interest Bearing Deposits	84,048	79,096	74,514	73,052	70,691	68,940
Total Deposits	92,164	87,618	82,495	79,484	76,149	73,158
Short-Term Borrowings	2,461	1,847	2,362	2,444	1,694	2,628
Current Portion of Long-Term Debt	-	4,326	4,326	3,453	5,332	3,456
Current Portion of Leases	50	388	399	399	397	443
Current Income Taxes Payable	355	703	736	619	827	80
Other Current Liabilities	2,574	1,912	2,049	1,176	732	901
Long-Term Debt	25,323	18,865	18,011	17,601	16,755	20,761
Long-Term Deferred Tax Liabilities	192	187	51	25	127	455
Other Long-Term Liabilities	48	34	61	-	-	-
Total Liabilities	123,533	116,334	110,948	106,396	102,527	102,276
Common Stock	1,807	1,807	1,807	1,807	1,807	1,807
Additional Paid-In Capital	843	843	843	843	843	843
Retained Earnings	15,670	-	-	-	11,357	10,080
Comprehensive Income & Other	1,450	16,412	14,295	13,042	2,449	2,292
Total Common Equity	19,770	19,062	16,945	15,692	16,456	15,022
Minority Interest	284	277	245	231	197	-
Shareholders' Equity	20,054	19,339	17,190	15,923	16,653	15,022
Total Liabilities & Equity	143,587	135,673	128,138	122,319	119,180	117,298
Total Debt	28,200	25,426	25,098	23,897	24,178	27,288
Net Cash (Debt)	-25,617	-21,703	-22,551	-21,500	-2,696	-6,920
Net Cash Per Share	-255.11	-216.17	-224.62	-214.15	-26.85	-68.93
Filing Date Shares Outstanding	100.4	100.4	100.4	100.4	100.4	100.4
Total Common Shares Outstanding	100.4	100.4	100.4	100.4	100.4	100.4
Book Value Per Share	182.47	175.42	156.33	150.32	156.14	141.86
Tangible Book Value	19,577	18,869	16,752	15,574	16,340	14,909
Tangible Book Value Per Share	180.55	173.50	154.41	149.15	154.98	140.73

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