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	2015 - 2019
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	2015 - 2019
Cash & Equivalents	109	110	103	90	91	95	Upgrade
Investment Securities	549	600	319	361	356	362	Upgrade
Trading Asset Securities	4,359	4,248	3,303	3,204	3,072	3,123	Upgrade
Total Investments	4,908	4,848	3,622	3,565	3,428	3,485	Upgrade
Gross Loans	27,182	26,380	26,235	25,644	24,197	23,378	Upgrade
Allowance for Loan Losses	-152	-145	-113	-101	-93	-98	Upgrade
Other Adjustments to Gross Loans	-67	-49	-	-	-	-	Upgrade
Net Loans	26,963	26,186	26,122	25,543	24,104	23,280	Upgrade
Property, Plant & Equipment	120	96	107	115	124	141	Upgrade
Goodwill	-	61	62	50	50	50	Upgrade
Other Intangible Assets	67	7	7	7	13	13	Upgrade
Accrued Interest Receivable	119	121	115	77	42	40	Upgrade
Other Current Assets	28	47	94	79	43	42	Upgrade
Long-Term Deferred Tax Assets	8	8	24	36	29	23	Upgrade
Other Long-Term Assets	72	50	38	48	60	70	Upgrade
Total Assets	32,394	31,534	30,294	29,610	27,984	27,239	Upgrade
Accrued Expenses	37	85	82	79	71	90	Upgrade
Interest Bearing Deposits	21,849	1,406	1,400	853	828	2,127	Upgrade
Non-Interest Bearing Deposits	-	19,560	17,926	18,260	17,159	14,936	Upgrade
Total Deposits	21,849	20,966	19,326	19,113	17,987	17,063	Upgrade
Short-Term Borrowings	80	87	94	94	6	553	Upgrade
Current Portion of Long-Term Debt	395	439	679	750	849	397	Upgrade
Accrued Interest Payable	486	48	24	5	3	6	Upgrade
Long-Term Debt	3,964	4,424	5,049	5,050	4,654	4,989	Upgrade
Long-Term Leases	-	23	25	27	30	35	Upgrade
Pension & Post-Retirement Benefits	-18	-15	52	84	75	70	Upgrade
Other Long-Term Liabilities	242	195	209	83	127	100	Upgrade
Total Liabilities	27,035	26,252	25,540	25,285	23,802	23,303	Upgrade
Common Stock	1,565	1,565	1,565	1,565	1,565	1,565	Upgrade
Additional Paid-In Capital	488	490	490	491	492	492	Upgrade
Retained Earnings	2,148	2,618	2,328	1,984	1,834	1,597	Upgrade
Comprehensive Income & Other	1,157	608	370	284	290	281	Upgrade
Total Common Equity	5,358	5,281	4,753	4,324	4,181	3,935	Upgrade
Minority Interest	1	1	1	1	1	1	Upgrade
Shareholders' Equity	5,359	5,282	4,754	4,325	4,182	3,936	Upgrade
Total Liabilities & Equity	32,394	31,534	30,294	29,610	27,984	27,239	Upgrade
Total Debt	4,439	4,973	5,847	5,921	5,539	5,974	Upgrade
Net Cash (Debt)	29	-615	-2,441	-2,627	-2,376	-2,756	Upgrade
Net Cash Per Share	1.88	-39.34	-155.66	-167.78	-151.93	-176.03	Upgrade
Filing Date Shares Outstanding	15.65	15.65	15.65	15.65	15.65	15.65	Upgrade
Total Common Shares Outstanding	15.65	15.65	15.65	15.65	15.65	15.65	Upgrade
Book Value Per Share	321.33	315.07	290.92	276.29	267.15	251.43	Upgrade
Tangible Book Value	5,291	5,213	4,684	4,267	4,118	3,872	Upgrade
Tangible Book Value Per Share	317.05	310.73	286.51	272.64	263.12	247.41	Upgrade

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