Sparebanken Norge (OSL:SBNOR)

Sparebanken Norge Balance Sheet

Financials in millions NOK. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	508	86	483	387	143	334
Investment Securities	64,554	72,886	42,972	39,358	33,411	25,165
Trading Asset Securities	2,730	8,773	6,674	5,961	2,801	2,922
Total Investments	67,284	81,659	49,646	45,319	36,212	28,087
Gross Loans	529,689	492,889	285,805	259,799	226,392	205,072
Allowance for Loan Losses	-1,974	-1,734	-885	-878	-880	-859
Net Loans	527,715	491,155	284,920	258,921	225,512	204,213
Property, Plant & Equipment	1,331	1,349	624	660	655	650
Goodwill	-	4,114	332	128	134	136
Other Intangible Assets	6,050	2,094	233	124	142	172
Other Current Assets	288	305	69	44	107	56
Long-Term Deferred Tax Assets	-	-	143	256	173	239
Other Long-Term Assets	1,507	953	1,717	656	734	684
Total Assets	604,683	581,715	338,167	306,495	263,812	234,571

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	508	602	234	203	220	201
Interest Bearing Deposits	233,425	225,640	135,128	123,599	112,274	90,812
Total Deposits	233,425	225,640	135,128	123,599	112,274	90,812
Short-Term Borrowings	6,279	1,062	869	1,670	1,922	1,530
Current Portion of Long-Term Debt	1,234	9,471	6,861	5,958	3,792	23,494
Current Income Taxes Payable	1,171	1,325	906	1,028	736	697
Long-Term Debt	302,796	284,551	166,184	148,145	120,994	96,313
Long-Term Leases	-	1,001	815	845	999	1,031
Pension & Post-Retirement Benefits	356	401	197	167	139	132
Long-Term Deferred Tax Liabilities	1,168	959	-	-	-	-
Other Long-Term Liabilities	2,489	1,951	712	1,456	843	553
Total Liabilities	549,426	526,963	311,906	283,071	241,919	214,763

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	4,332	4,332	2,743	2,743	2,743	2,683
Additional Paid-In Capital	9,305	9,305	1,966	1,966	1,966	1,837
Retained Earnings	3,557	3,571	4,536	3,612	3,127	2,499
Treasury Stock	-13	-1	-1	-1	-3	-5
Comprehensive Income & Other	36,599	36,351	16,873	15,104	14,060	12,794
Total Common Equity	53,780	53,558	26,117	23,424	21,893	19,808
Minority Interest	1,477	1,194	144	-	-	-
Shareholders' Equity	55,257	54,752	26,261	23,424	21,893	19,808
Total Liabilities & Equity	604,683	581,715	338,167	306,495	263,812	234,571

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	310,309	296,085	174,729	156,618	127,707	122,368
Net Cash (Debt)	-307,071	-287,226	-167,572	-150,270	-124,763	-119,112
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-1778.32	-1913.66	-1528.32	-1371.26	-1162.15	-1113.57
Filing Date Shares Outstanding	173.19	173.23	109.67	109.69	109.61	107.14
Total Common Shares Outstanding	173.19	173.23	109.67	109.69	109.61	107.14
Book Value Per Share	284.16	284.46	219.19	198.35	186.68	171.76
Tangible Book Value	47,730	47,350	25,552	23,172	21,617	19,500
Tangible Book Value Per Share	249.22	248.63	214.04	196.05	184.16	168.89

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 5, 2026

Data Sources Report a data error