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	1,076	1,404	402	145	399
Investment Securities	30,145	25,957	23,688	23,668	5,512
Trading Asset Securities	2,069	2,318	2,145	2,252	21,083
Total Investments	32,214	28,275	25,833	25,920	26,595
Gross Loans	73,818	71,178	98,351	91,359	85,945
Allowance for Loan Losses	-771	-826	-756	-664	-643
Other Adjustments to Gross Loans	-883	-370	-304	-291	-258
Net Loans	72,164	69,982	97,291	90,404	85,044
Property, Plant & Equipment	814	775	811	829	859
Goodwill	186	186	185	117	114
Other Intangible Assets	55	43	8	1	2
Loans Held for Sale	37,001	34,240	3,045	4,233	5,664
Other Receivables	293	302	139	270	52
Other Current Assets	281	274	212	286	111
Other Long-Term Assets	219	192	212	114	340
Total Assets	144,303	135,673	128,138	122,319	119,180
Accounts Payable	-	-	-	759	-
Accrued Expenses	89	83	126	114	134
Interest Bearing Deposits	8,032	8,522	7,981	6,432	5,458
Non-Interest Bearing Deposits	86,363	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	2,468	4,326	4,326	3,453	5,332
Current Portion of Leases	416	388	399	399	397
Current Income Taxes Payable	783	703	736	619	827
Other Current Liabilities	1,772	1,946	2,049	1,176	732
Long-Term Debt	21,378	18,865	18,011	17,601	16,755
Long-Term Deferred Tax Liabilities	257	187	51	25	127
Other Long-Term Liabilities	-	-	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	26,067	25,426	25,098	23,897	24,178
Net Cash (Debt)	-22,922	-21,704	-22,551	-21,500	-2,696
Net Cash Per Share	-228.31	-216.18	-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	20,280	18,833	16,752	15,574	16,340
Tangible Book Value Per Share	187.55	173.14	154.41	149.15	154.98

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