OSL:VVL Balance Sheet

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	295.02	245.08	343.07	225.83	213.42
Investment Securities	460.04	115.36	118.59	101.61	61.81
Trading Asset Securities	129.66	489.86	466.6	447.41	445.28
Total Investments	589.7	605.22	585.18	549.01	507.09
Gross Loans	6,137	5,646	5,344	5,090	5,034
Allowance for Loan Losses	-26.52	-28.33	-25.22	-27.92	-30.46
Net Loans	6,110	5,617	5,318	5,062	5,004
Property, Plant & Equipment	24.35	19.48	16.89	17.01	1.46
Investments in Real Estate	-	-	-	-	16.21
Accrued Interest Receivable	-	2.53	1.36	2.1	1.26
Other Current Assets	-	-0.27	0.01	1.12	1.76
Long-Term Deferred Tax Assets	-	-	-	1.95	1.49
Other Long-Term Assets	7.75	3.48	2.83	1.2	0.59
Total Assets	7,027	6,493	6,268	5,861	5,747
Accounts Payable	-	4.95	5.53	1.34	0.8
Accrued Expenses	-	4.09	6.69	5.59	8.24
Interest Bearing Deposits	5,049	4,644	4,390	4,071	3,970
Total Deposits	5,049	4,644	4,390	4,071	3,970
Short-Term Borrowings	-	-	-	0.02	0.02
Current Portion of Long-Term Debt	100.22	332.07	376.11	207.53	300.17
Current Income Taxes Payable	30.81	24.63	19.58	16.53	-
Long-Term Debt	986.13	682.64	733.4	842.55	815.78
Long-Term Deferred Tax Liabilities	-	4.2	1.55	-	15.14
Other Long-Term Liabilities	18.9	20.09	10.01	22.49	15.31
Total Liabilities	6,185	5,716	5,543	5,167	5,126
Common Stock	11.1	11.1	11.1	11.1	11.1
Additional Paid-In Capital	47	47	47	47	47
Retained Earnings	690.8	630.14	576.48	525.88	495.32
Treasury Stock	-0.08	-0.08	-0.08	-0.08	-0.08
Comprehensive Income & Other	91.54	87.48	89.61	109.71	68.13
Total Common Equity	840.35	775.64	724.1	693.61	621.46
Minority Interest	1.43	0.76	0.42	0.09	-
Shareholders' Equity	841.78	776.4	724.52	693.7	621.46
Total Liabilities & Equity	7,027	6,493	6,268	5,861	5,747
Total Debt	1,086	1,015	1,110	1,050	1,116
Net Cash (Debt)	-661.67	-279.78	-299.84	-376.88	-457.28
Net Cash Per Share	-283.02	-119.91	-127.58	-164.12	-200.23
Filing Date Shares Outstanding	2.2	2.2	2.2	2.2	2.2
Total Common Shares Outstanding	2.2	2.2	2.2	2.2	2.2
Book Value Per Share	358.56	329.19	305.80	280.11	263.80
Tangible Book Value	840.35	775.64	724.1	693.61	621.46
Tangible Book Value Per Share	358.56	329.19	305.80	280.11	263.80

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