SpareBank 1 Østfold Akershus (OSL:SOAG)

OSL:SOAG 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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	1,025	616	666	1,309	1,132	1,339
Investment Securities	756	807	856	545	559	549
Trading Asset Securities	4,287	3,929	3,420	3,163	2,974	3,040
Total Investments	5,043	4,736	4,276	3,708	3,533	3,589
Gross Loans	26,893	25,722	24,146	22,656	21,666	21,106
Allowance for Loan Losses	-133	-120	-124	-85	-71	-61
Other Adjustments to Gross Loans	-48	-37	-50	-51	-56	-6
Net Loans	26,712	25,565	23,972	22,520	21,539	21,039
Property, Plant & Equipment	254	259	269	283	280	276
Other Intangible Assets	36	32	33	34	-	-
Accrued Interest Receivable	92	-	173	154	2	2
Other Receivables	-	-	-	-	2	9
Other Current Assets	16	-	11	9	142	59
Long-Term Deferred Tax Assets	24	-	22	8	16	11
Other Long-Term Assets	77	198	-1	-	28	29
Total Assets	33,279	31,406	29,421	28,025	26,674	26,353

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	24	22	19	18	66	56
Accrued Expenses	55	55	58	56	45	47
Interest Bearing Deposits	22,644	1,653	1,484	810	298	375
Non-Interest Bearing Deposits	-	19,330	17,618	17,928	17,774	17,326
Total Deposits	22,644	20,983	19,102	18,738	18,072	17,701
Short-Term Borrowings	98	68	100	113	121	39
Current Portion of Long-Term Debt	-	425	835	769	756	733
Current Income Taxes Payable	47	144	159	142	118	119
Other Current Liabilities	-	9	7	8	1	1
Long-Term Debt	5,050	4,323	4,013	3,549	3,142	3,526
Long-Term Leases	48	49	46	52	12	18
Pension & Post-Retirement Benefits	20	20	16	17	17	17
Long-Term Deferred Tax Liabilities	-	4	-	-	-	-
Other Long-Term Liabilities	46	38	29	44	20	18
Total Liabilities	28,032	26,140	24,384	23,506	22,374	22,276

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	1,238	1,239	1,239	1,239	1,239	1,239
Additional Paid-In Capital	247	247	247	247	247	247
Retained Earnings	280	584	509	529	463	432
Comprehensive Income & Other	3,482	3,196	3,042	2,504	2,351	2,159
Shareholders' Equity	5,247	5,266	5,037	4,519	4,300	4,077
Total Liabilities & Equity	33,279	31,406	29,421	28,025	26,674	26,353

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	5,196	4,865	4,994	4,483	4,031	4,316
Net Cash (Debt)	116	-320	-908	-11	75	63
Net Cash Growth	-	-	-	-	19.05%	-
Net Cash Per Share	9.37	-25.81	-73.31	-0.89	6.05	5.09
Filing Date Shares Outstanding	12.39	12.39	12.39	12.39	12.39	12.39
Total Common Shares Outstanding	12.39	12.39	12.39	12.39	12.39	12.39
Book Value Per Share	399.35	400.87	382.38	352.71	335.02	317.05
Tangible Book Value	5,211	5,234	5,004	4,485	4,300	4,077
Tangible Book Value Per Share	396.44	398.29	379.72	349.97	335.02	317.05

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Sep 14, 2026

Data Sources Report a data error