Adjusted EBITDA

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	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012
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	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018	Dec '17 Dec 31, 2017	Dec '16 Dec 31, 2016	Dec '15 Dec 31, 2015	Dec '14 Dec 31, 2014	Dec '13 Dec 31, 2013	Dec '12 Dec 31, 2012
Savings Cash Equivalent Earnings Before Amortisation	2.72B	2.59B
Insurance Cash Equivalent Earnings Before Amortisation	901.00M	546.00M
Guaranteed Pension Cash Equivalent Earnings Before Amortisation	1.22B	1.23B
Other Segment Cash Equivalent Earnings Before Amortisation	407.00M	1.54B

Key Performance Indicators

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	FY 2019	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014	FY 2013	FY 2012
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	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018	Dec '17 Dec 31, 2017	Dec '16 Dec 31, 2016	Dec '15 Dec 31, 2015	Dec '14 Dec 31, 2014	Dec '13 Dec 31, 2013	Dec '12 Dec 31, 2012
Savings - Premium Income Unit Linked	7.86B	7.72B
Savings - Unit Linked Reserves	496.16B	458.53B
Savings - Assets Under Management (AUM)	1.56T	1.47T
Savings - Retail Lending	95.25B	86.50B
Insurance - Retail Insurance Portfolio Premiums	5.95B	4.94B
Insurance - Corporate Insurance Portfolio Premiums	4.31B	3.91B
Insurance - P&C & Individual Life Portfolio Premiums	-	5.39B
Insurance - Group Life Portfolio Premiums	-	1.28B
Insurance - Pension Related Disability Insurance Nordic Portfolio Premiums	-	2.17B
Insurance - Total Written Premiums	10.25B	8.85B
Insurance - Claims Ratio	-	80.00%
Insurance - Cost Ratio	-	18.00%
Insurance - Combined Ratio	-	97.00%
Guaranteed Pension - Guaranteed Reserves	302.93B	290.80B
Guaranteed Pension - Guaranteed Reserves in Percentage of Total Reserves	-	38.80%
Guaranteed Pension - Net Flow of Permiums and Claims	-11.52B	-11.53B
Guaranteed Pension - Net Transfer of Guaranteed Reserves	5.79B	3.98B
Guaranteed Pension - Buffer Capital in Percentage of Customer Reserves Norway	-	7.40%
Guaranteed Pension - Buffer Capital in Percentage of Customer Reserves Sweden	-	24.40%

Updated Sep 30, 2025. Data Source: Fiscal.ai.