OSL:VVL Balance Sheet

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	2015 - 2019
Period Ending	Jun '25 Jun 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	2015 - 2019
Cash & Equivalents	327.85	245.08	343.07	225.83	213.42	350.4	Upgrade
Investment Securities	117.42	115.36	118.59	101.61	61.81	489.13	Upgrade
Trading Asset Securities	503.88	489.86	466.6	447.41	445.28	70.39	Upgrade
Total Investments	621.3	605.22	585.18	549.01	507.09	559.52	Upgrade
Gross Loans	5,763	5,646	5,344	5,090	5,034	4,904	Upgrade
Allowance for Loan Losses	-27.02	-28.33	-25.22	-27.92	-30.46	-31.01	Upgrade
Net Loans	5,736	5,617	5,318	5,062	5,004	4,873	Upgrade
Property, Plant & Equipment	20.88	19.48	16.89	17.01	1.46	1.73	Upgrade
Investments in Real Estate	-	-	-	-	16.21	17.73	Upgrade
Accrued Interest Receivable	-	2.53	1.36	2.1	1.26	1.34	Upgrade
Other Current Assets	-	-0.27	0.01	1.12	1.76	2.14	Upgrade
Long-Term Deferred Tax Assets	-	-	-	1.95	1.49	-	Upgrade
Other Long-Term Assets	6.51	3.48	2.83	1.2	0.59	0.39	Upgrade
Total Assets	6,712	6,493	6,268	5,861	5,747	5,806	Upgrade
Accounts Payable	-	4.95	5.53	1.34	0.8	0.98	Upgrade
Accrued Expenses	-	4.09	6.69	5.59	8.24	8.1	Upgrade
Interest Bearing Deposits	4,862	4,644	4,390	4,071	3,970	3,915	Upgrade
Total Deposits	4,862	4,644	4,390	4,071	3,970	3,915	Upgrade
Short-Term Borrowings	-	-	-	0.02	0.02	-	Upgrade
Current Portion of Long-Term Debt	80.16	332.07	376.11	207.53	300.17	325.26	Upgrade
Current Income Taxes Payable	19.81	24.63	19.58	16.53	-	11.84	Upgrade
Other Current Liabilities	-	-	-	-	-	0.2	Upgrade
Long-Term Debt	935.37	682.64	733.4	842.55	815.78	935.9	Upgrade
Long-Term Deferred Tax Liabilities	-	4.2	1.55	-	15.14	0.4	Upgrade
Other Long-Term Liabilities	24.23	20.09	10.01	22.49	15.31	8.74	Upgrade
Total Liabilities	5,922	5,716	5,543	5,167	5,126	5,206	Upgrade
Common Stock	11.1	11.1	11.1	11.1	11.1	11.1	Upgrade
Additional Paid-In Capital	47	47	47	47	47	47	Upgrade
Retained Earnings	649.61	630.14	576.48	525.88	495.32	474.5	Upgrade
Treasury Stock	-0.08	-0.08	-0.08	-0.08	-0.08	-0.08	Upgrade
Comprehensive Income & Other	81.89	87.48	89.61	109.71	68.13	67.04	Upgrade
Total Common Equity	789.52	775.64	724.1	693.61	621.46	599.56	Upgrade
Minority Interest	1.04	0.76	0.42	0.09	-	-	Upgrade
Shareholders' Equity	790.55	776.4	724.52	693.7	621.46	599.56	Upgrade
Total Liabilities & Equity	6,712	6,493	6,268	5,861	5,747	5,806	Upgrade
Total Debt	1,016	1,015	1,110	1,050	1,116	1,261	Upgrade
Net Cash (Debt)	-183.79	-279.78	-299.84	-376.88	-457.28	-840.37	Upgrade
Net Cash Per Share	-78.88	-119.91	-127.58	-164.12	-200.23	-378.54	Upgrade
Filing Date Shares Outstanding	2.2	2.2	2.2	2.2	2.2	2.2	Upgrade
Total Common Shares Outstanding	2.2	2.2	2.2	2.2	2.2	2.2	Upgrade
Book Value Per Share	335.50	329.19	305.80	280.11	263.80	253.87	Upgrade
Tangible Book Value	789.52	775.64	724.1	693.61	621.46	599.56	Upgrade
Tangible Book Value Per Share	335.50	329.19	305.80	280.11	263.80	253.87	Upgrade

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