Voss Veksel- og Landmandsbank ASA (OSL:VVL)

OSL:VVL Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	271.83	245.08	343.07	225.83	213.42	350.4
Investment Securities	124.32	115.36	118.59	101.61	61.81	489.13
Trading Asset Securities	454.54	489.86	466.6	447.41	445.28	70.39
Total Investments	578.85	605.22	585.18	549.01	507.09	559.52
Gross Loans	5,939	5,646	5,344	5,090	5,034	4,904
Allowance for Loan Losses	-27.32	-28.33	-25.22	-27.92	-30.46	-31.01
Net Loans	5,911	5,617	5,318	5,062	5,004	4,873
Property, Plant & Equipment	24.56	19.48	16.89	17.01	1.46	1.73
Investments in Real Estate	-	-	-	-	16.21	17.73
Accrued Interest Receivable	-	2.53	1.36	2.1	1.26	1.34
Other Current Assets	-	-0.27	0.01	1.12	1.76	2.14
Long-Term Deferred Tax Assets	-	-	-	1.95	1.49	-
Other Long-Term Assets	5.15	3.48	2.83	1.2	0.59	0.39
Total Assets	6,792	6,493	6,268	5,861	5,747	5,806
Accounts Payable	-	4.95	5.53	1.34	0.8	0.98
Accrued Expenses	-	4.09	6.69	5.59	8.24	8.1
Interest Bearing Deposits	4,938	4,644	4,390	4,071	3,970	3,915
Total Deposits	4,938	4,644	4,390	4,071	3,970	3,915
Short-Term Borrowings	-	-	-	0.02	0.02	-
Current Portion of Long-Term Debt	-	332.07	376.11	207.53	300.17	325.26
Current Income Taxes Payable	26.17	24.63	19.58	16.53	-	11.84
Other Current Liabilities	-	-	-	-	-	0.2
Long-Term Debt	985.69	682.64	733.4	842.55	815.78	935.9
Long-Term Deferred Tax Liabilities	-	4.2	1.55	-	15.14	0.4
Other Long-Term Liabilities	29.07	20.09	10.01	22.49	15.31	8.74
Total Liabilities	5,979	5,716	5,543	5,167	5,126	5,206
Common Stock	11.1	11.1	11.1	11.1	11.1	11.1
Additional Paid-In Capital	47	47	47	47	47	47
Retained Earnings	668.06	630.14	576.48	525.88	495.32	474.5
Treasury Stock	-0.08	-0.08	-0.08	-0.08	-0.08	-0.08
Comprehensive Income & Other	85.48	87.48	89.61	109.71	68.13	67.04
Total Common Equity	811.55	775.64	724.1	693.61	621.46	599.56
Minority Interest	1.17	0.76	0.42	0.09	-	-
Shareholders' Equity	812.72	776.4	724.52	693.7	621.46	599.56
Total Liabilities & Equity	6,792	6,493	6,268	5,861	5,747	5,806
Total Debt	985.69	1,015	1,110	1,050	1,116	1,261
Net Cash (Debt)	-259.32	-279.78	-299.84	-376.88	-457.28	-840.37
Net Cash Per Share	-111.00	-119.91	-127.58	-164.12	-200.23	-378.54
Filing Date Shares Outstanding	2.2	2.2	2.2	2.2	2.2	2.2
Total Common Shares Outstanding	2.2	2.2	2.2	2.2	2.2	2.2
Book Value Per Share	345.49	329.19	305.80	280.11	263.80	253.87
Tangible Book Value	811.55	775.64	724.1	693.61	621.46	599.56
Tangible Book Value Per Share	345.49	329.19	305.80	280.11	263.80	253.87

Source: S&P Global Market Intelligence. Banks template. Financial Sources.