SpareBank 1 Sør-Norge ASA (OSL:SB1NO)
Norway · Delayed Price · Currency is NOK 219.50
+2.50 (1.15%)
Aug 21, 2026, 4:26 PM CET
SpareBank 1 Sør-Norge ASA 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 | 3,396 | 1,319 | 3,066 | 2,012 | 1,356 | 523 |
Investment Securities | 87,635 | 88,160 | 68,969 | 63,794 | 59,126 | 61,160 |
Trading Asset Securities | 6,319 | 10,949 | 14,087 | 16,859 | 19,460 | 6,054 |
Total Investments | 93,954 | 99,109 | 83,056 | 80,653 | 78,586 | 67,214 |
Gross Loans | 418,588 | 405,740 | 386,650 | 276,671 | 264,207 | 235,635 |
Allowance for Loan Losses | -1,420 | -1,605 | -1,572 | -1,244 | -1,685 | -1,721 |
Other Adjustments to Gross Loans | - | -1,207 | -1,303 | -1,129 | -654 | -472 |
Net Loans | 417,168 | 402,928 | 383,775 | 274,298 | 261,868 | 233,442 |
Property, Plant & Equipment | 1,726 | 1,755 | 1,720 | 1,314 | 1,237 | 1,313 |
Goodwill | - | 4,079 | 4,057 | 345 | 423 | 423 |
Other Intangible Assets | 3,795 | 10 | 15 | 20 | 24 | 30 |
Accrued Interest Receivable | - | 21 | 19 | 9 | 11 | 2 |
Restricted Cash | - | 114 | 108 | 71 | 63 | 57 |
Other Current Assets | 541 | 63 | 61 | 33 | 31 | 38 |
Long-Term Deferred Tax Assets | 1,906 | 1,897 | 2,404 | 2,612 | 1,075 | 598 |
Other Long-Term Assets | 1,253 | 1,757 | 1,053 | 816 | 1,049 | 758 |
Total Assets | 544,677 | 513,054 | 479,336 | 362,186 | 345,730 | 304,403 |
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 |
Accounts Payable | - | 110 | 96 | 93 | 92 | 66 |
Accrued Expenses | 433 | 1,138 | 751 | 572 | 452 | 513 |
Interest Bearing Deposits | 255,770 | 40,715 | 36,481 | 33,270 | 22,742 | 18,574 |
Non-Interest Bearing Deposits | - | 190,397 | 167,525 | 115,806 | 125,358 | 119,090 |
Total Deposits | 255,770 | 231,112 | 204,006 | 149,076 | 148,100 | 137,664 |
Short-Term Borrowings | 7,075 | 10,291 | 9,872 | 14,360 | 15,978 | 3,280 |
Current Portion of Long-Term Debt | 5,445 | 29,851 | 162 | 2,525 | 3,221 | 2,557 |
Current Portion of Leases | - | 96 | 96 | 66 | 62 | 58 |
Current Income Taxes Payable | 792 | 1,167 | 1,178 | 2,706 | 1,345 | 232 |
Other Current Liabilities | 253 | 755 | 157 | 149 | 65 | 57 |
Long-Term Debt | 219,600 | 182,589 | 209,165 | 158,154 | 146,815 | 131,871 |
Long-Term Leases | 584 | 450 | 409 | 324 | 274 | 301 |
Pension & Post-Retirement Benefits | - | - | 431 | 261 | 251 | 277 |
Other Long-Term Liabilities | 1,230 | -1 | 376 | 339 | 388 | 348 |
Total Liabilities | 491,182 | 457,558 | 426,699 | 328,625 | 317,043 | 277,224 |
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 | 9,293 | 9,386 | 9,386 | 6,607 | 6,394 | 6,394 |
Additional Paid-In Capital | 14,719 | 14,719 | 14,719 | 2,354 | 1,587 | 1,587 |
Retained Earnings | - | - | - | 1,982 | 1,790 | 1,535 |
Comprehensive Income & Other | 29,483 | 31,391 | 28,532 | 22,618 | 18,916 | 17,663 |
Total Common Equity | 53,495 | 55,496 | 52,637 | 33,561 | 28,687 | 27,179 |
Shareholders' Equity | 53,495 | 55,496 | 52,637 | 33,561 | 28,687 | 27,179 |
Total Liabilities & Equity | 544,677 | 513,054 | 479,336 | 362,186 | 345,730 | 304,403 |
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 | 232,704 | 223,277 | 219,704 | 175,429 | 166,350 | 138,067 |
Net Cash (Debt) | -222,989 | -211,009 | -202,551 | -156,558 | -145,534 | -131,490 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -597.78 | -562.91 | -539.48 | -592.37 | -569.11 | -514.22 |
Filing Date Shares Outstanding | 371.66 | 374.79 | 375.37 | 264.22 | 255.72 | 255.71 |
Total Common Shares Outstanding | 371.66 | 374.79 | 375.37 | 264.22 | 255.72 | 255.71 |
Book Value Per Share | 133.17 | 137.40 | 128.77 | 115.08 | 105.53 | 99.05 |
Tangible Book Value | 49,700 | 51,407 | 48,565 | 33,196 | 28,240 | 26,726 |
Tangible Book Value Per Share | 122.96 | 126.49 | 117.92 | 113.70 | 103.78 | 97.28 |