SpareBank 1 Nord-Norge 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	1,581	1,404	402	145	399
Investment Securities	31,136	25,956	23,688	23,668	5,512
Trading Asset Securities	1,078	2,319	2,145	2,252	21,083
Total Investments	32,214	28,275	25,833	25,920	26,595
Gross Loans	72,429	71,178	98,351	91,359	85,945
Allowance for Loan Losses	-770	-826	-756	-664	-643
Other Adjustments to Gross Loans	-	-370	-304	-291	-258
Net Loans	71,659	69,982	97,291	90,404	85,044
Property, Plant & Equipment	861	811	811	829	859
Goodwill	-	186	185	117	114
Other Intangible Assets	193	7	8	1	2
Loans Held for Sale	37,001	34,240	3,045	4,233	5,664
Accrued Interest Receivable	130	-	-	-	-
Other Receivables	-	302	139	270	52
Other Current Assets	458	275	212	286	111
Other Long-Term Assets	206	191	212	114	340
Total Assets	144,303	135,673	128,138	122,319	119,180
Accounts Payable	-	-	-	759	-
Accrued Expenses	-	83	126	114	134
Interest Bearing Deposits	94,395	8,522	7,981	6,432	5,458
Non-Interest Bearing Deposits	-	79,096	74,514	73,052	70,691
Total Deposits	94,395	87,618	82,495	79,484	76,149
Short-Term Borrowings	1,805	1,847	2,362	2,444	1,694
Current Portion of Long-Term Debt	-	4,326	4,326	3,453	5,332
Current Portion of Leases	407	388	399	399	397
Current Income Taxes Payable	783	703	736	619	827
Other Current Liabilities	41	1,912	2,049	1,176	732
Long-Term Debt	23,846	18,865	18,011	17,601	16,755
Long-Term Deferred Tax Liabilities	257	187	51	25	127
Other Long-Term Liabilities	1,930	34	61	-	-
Total Liabilities	123,464	116,334	110,948	106,396	102,527
Common Stock	1,807	1,807	1,807	1,807	1,807
Additional Paid-In Capital	843	843	843	843	843
Retained Earnings	16,421	14,962	13,045	-	11,357
Comprehensive Income & Other	1,450	1,450	1,250	13,042	2,449
Total Common Equity	20,521	19,062	16,945	15,692	16,456
Minority Interest	318	277	245	231	197
Shareholders' Equity	20,839	19,339	17,190	15,923	16,653
Total Liabilities & Equity	144,303	135,673	128,138	122,319	119,180
Total Debt	26,058	25,426	25,098	23,897	24,178
Net Cash (Debt)	-23,399	-21,703	-22,551	-21,500	-2,696
Net Cash Per Share	-233.06	-216.17	-224.62	-214.15	-26.85
Filing Date Shares Outstanding	100.4	100.4	100.4	100.4	100.4
Total Common Shares Outstanding	100.4	100.4	100.4	100.4	100.4
Book Value Per Share	189.95	175.42	156.33	150.32	156.14
Tangible Book Value	20,328	18,869	16,752	15,574	16,340
Tangible Book Value Per Share	188.03	173.50	154.41	149.15	154.98

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