SpareBank 1 Ringerike Hadeland (OSL:RING)
Norway · Delayed Price · Currency is NOK 445.00
+6.50 (1.48%)
Sep 18, 2026, 3:41 PM CET
OSL:RING Balance Sheet
Financials in millions NOK. Fiscal year is January - December.
Millions NOK. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 103 | 102 | 110 | 103 | 90 | 91 |
Investment Securities | 1,962 | 571 | 600 | 319 | 361 | 356 |
Trading Asset Securities | 2,564 | 4,285 | 4,248 | 3,303 | 3,204 | 3,072 |
Total Investments | 4,526 | 4,856 | 4,848 | 3,622 | 3,565 | 3,428 |
Gross Loans | 28,260 | 27,567 | 26,380 | 26,235 | 25,644 | 24,197 |
Allowance for Loan Losses | -136 | -144 | -145 | -113 | -101 | -93 |
Other Adjustments to Gross Loans | -73 | -30 | -49 | - | - | - |
Net Loans | 28,051 | 27,393 | 26,186 | 26,122 | 25,543 | 24,104 |
Property, Plant & Equipment | 116 | 124 | 96 | 107 | 115 | 124 |
Goodwill | - | 60 | 61 | 62 | 50 | 50 |
Other Intangible Assets | 66 | 7 | 7 | 7 | 7 | 13 |
Accrued Interest Receivable | 104 | 118 | 121 | 115 | 77 | 42 |
Other Current Assets | 24 | 51 | 47 | 94 | 79 | 43 |
Long-Term Deferred Tax Assets | -1 | -1 | 8 | 24 | 36 | 29 |
Other Long-Term Assets | 124 | 34 | 50 | 38 | 48 | 60 |
Total Assets | 33,113 | 32,744 | 31,534 | 30,294 | 29,610 | 27,984 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Accrued Expenses | 22 | 23 | 85 | 82 | 79 | 71 |
Interest Bearing Deposits | 22,581 | 5,186 | 1,406 | 1,400 | 853 | 828 |
Non-Interest Bearing Deposits | - | 17,237 | 19,560 | 17,926 | 18,260 | 17,159 |
Total Deposits | 22,581 | 22,423 | 20,966 | 19,326 | 19,113 | 17,987 |
Short-Term Borrowings | 96 | 77 | 87 | 94 | 94 | 6 |
Current Portion of Long-Term Debt | 88 | 451 | 439 | 679 | 750 | 849 |
Accrued Interest Payable | 299 | 39 | 48 | 24 | 5 | 3 |
Long-Term Debt | 4,354 | 3,940 | 4,424 | 5,049 | 5,050 | 4,654 |
Long-Term Leases | - | 24 | 23 | 25 | 27 | 30 |
Pension & Post-Retirement Benefits | -36 | -35 | -15 | 52 | 84 | 75 |
Other Long-Term Liabilities | 519 | 268 | 195 | 209 | 83 | 127 |
Total Liabilities | 27,923 | 27,210 | 26,252 | 25,540 | 25,285 | 23,802 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Common Stock | 1,565 | 1,565 | 1,565 | 1,565 | 1,565 | 1,565 |
Additional Paid-In Capital | 488 | 488 | 490 | 490 | 491 | 492 |
Retained Earnings | 2,096 | 2,785 | 2,618 | 2,328 | 1,984 | 1,834 |
Comprehensive Income & Other | 1,041 | 696 | 608 | 370 | 284 | 290 |
Total Common Equity | 5,190 | 5,534 | 5,281 | 4,753 | 4,324 | 4,181 |
Minority Interest | - | - | 1 | 1 | 1 | 1 |
Shareholders' Equity | 5,190 | 5,534 | 5,282 | 4,754 | 4,325 | 4,182 |
Total Liabilities & Equity | 33,113 | 32,744 | 31,534 | 30,294 | 29,610 | 27,984 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Total Debt | 4,538 | 4,492 | 4,973 | 5,847 | 5,921 | 5,539 |
Net Cash (Debt) | -1,871 | -105 | -615 | -2,441 | -2,627 | -2,376 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -119.66 | -6.71 | -39.33 | -155.66 | -167.78 | -151.93 |
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 | 310.09 | 331.24 | 315.07 | 290.92 | 276.29 | 267.15 |
Tangible Book Value | 5,124 | 5,467 | 5,213 | 4,684 | 4,267 | 4,118 |
Tangible Book Value Per Share | 305.87 | 326.96 | 310.73 | 286.51 | 272.64 | 263.12 |