OSL:RING 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	109	110	103	90	91	95
Investment Securities	549	600	319	361	356	362
Trading Asset Securities	4,359	4,248	3,303	3,204	3,072	3,123
Total Investments	4,908	4,848	3,622	3,565	3,428	3,485
Gross Loans	27,182	26,380	26,235	25,644	24,197	23,378
Allowance for Loan Losses	-152	-145	-113	-101	-93	-98
Other Adjustments to Gross Loans	-67	-49	-	-	-	-
Net Loans	26,963	26,186	26,122	25,543	24,104	23,280
Property, Plant & Equipment	120	96	107	115	124	141
Goodwill	-	61	62	50	50	50
Other Intangible Assets	67	7	7	7	13	13
Accrued Interest Receivable	119	121	115	77	42	40
Other Current Assets	28	47	94	79	43	42
Long-Term Deferred Tax Assets	8	8	24	36	29	23
Other Long-Term Assets	72	50	38	48	60	70
Total Assets	32,394	31,534	30,294	29,610	27,984	27,239
Accrued Expenses	37	85	82	79	71	90
Interest Bearing Deposits	21,849	1,406	1,400	853	828	2,127
Non-Interest Bearing Deposits	-	19,560	17,926	18,260	17,159	14,936
Total Deposits	21,849	20,966	19,326	19,113	17,987	17,063
Short-Term Borrowings	80	87	94	94	6	553
Current Portion of Long-Term Debt	395	439	679	750	849	397
Accrued Interest Payable	486	48	24	5	3	6
Long-Term Debt	3,964	4,424	5,049	5,050	4,654	4,989
Long-Term Leases	-	23	25	27	30	35
Pension & Post-Retirement Benefits	-18	-15	52	84	75	70
Other Long-Term Liabilities	242	195	209	83	127	100
Total Liabilities	27,035	26,252	25,540	25,285	23,802	23,303
Common Stock	1,565	1,565	1,565	1,565	1,565	1,565
Additional Paid-In Capital	488	490	490	491	492	492
Retained Earnings	2,148	2,618	2,328	1,984	1,834	1,597
Comprehensive Income & Other	1,157	608	370	284	290	281
Total Common Equity	5,358	5,281	4,753	4,324	4,181	3,935
Minority Interest	1	1	1	1	1	1
Shareholders' Equity	5,359	5,282	4,754	4,325	4,182	3,936
Total Liabilities & Equity	32,394	31,534	30,294	29,610	27,984	27,239
Total Debt	4,439	4,973	5,847	5,921	5,539	5,974
Net Cash (Debt)	29	-615	-2,441	-2,627	-2,376	-2,756
Net Cash Per Share	1.88	-39.34	-155.66	-167.78	-151.93	-176.03
Filing Date Shares Outstanding	15.65	15.65	15.65	15.65	15.65	15.65
Total Common Shares Outstanding	15.65	15.65	15.65	15.65	15.65	15.65
Book Value Per Share	321.33	315.07	290.92	276.29	267.15	251.43
Tangible Book Value	5,291	5,213	4,684	4,267	4,118	3,872
Tangible Book Value Per Share	317.05	310.73	286.51	272.64	263.12	247.41

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.