Vedlegg til solvens og finansiell stilling (SFCR) per 31.12.23

SpareBank 1 Gruppen

Solvency and Financial

Condition Report

Disclosures

31 December

2023

(Monetary amounts in NOK thousands)

List of reported templates

S.02.01.02 - Balance sheet

S.05.01.02 - Premiums, claims and expenses by line of business: Life insurance and reinsurance obligations

S.05.01.02 - Premiums, claims and expenses by line of business: Non-life insurance and reinsurance obligations

S.05.02.04 - Premiums, claims and expenses by country: Life insurance and reinsurance obligations

S.05.02.04 - Premiums, claims and expenses by country: Non-life insurance and reinsurance obligations S.22.01.22 - Impact of long term guarantees measures and transitionals

S.23.01.22 - Own Funds

S.25.01.22 - Solvency Capital Requirement - for groups on Standard Formula

S.32.01.22 - Undertakings in the scope of the group

S.02.01.02

Balance sheet

Solvency II value

C0010

0

-130

2.252

1.487.412

53.601.914

6.451.387

2.745.247

221.589

214.673

6.916

32.734.629

6.597.702

26.136.927

0

0

9.701.726

264.128

1.480.859

2.349

68.383.417

0

0

0

0

482.515

215.717

72.777

142.940

266.798

266.539

259

0

0

157.670

33.541

1.437.698

0

0

1.597.647

170.433

127.354.367

S.05.01.02

Premiums, claims and expenses by line of business: Non-life insurance and reinsurance obligations

S.05.01.02

Premiums, claims and expenses by line of business: Life insurance and reinsurance obligations

S.05.02.04

Premiums, claims and expenses by country: Non-life insurance and reinsurance obligations

S.05.02.04

Premiums, claims and expenses by country: Life insurance and reinsurance obligations

S.23.01.22

Own Funds

Basic own funds before deduction for participations in other financial sector

R0010 Ordinary share capital (gross of own shares)

R0020 Non-available called but not paid in ordinary share capital to be deducted at group level

R0030 Share premium account related to ordinary share capital

R0040 Initial funds, members' contributions or the equivalent basic own-fund item for mutual and mutual-type undertakings

R0050 Subordinated mutual member accounts

R0060 Non-available subordinated mutual member accounts to be deducted at group level

R0070 Surplus funds

R0080 Non-available surplus funds to be deducted at group level

R0090 Preference shares

R0100 Non-available preference shares to be dedcuted at group level

R0110 Share premium account related to preference shares

R0120 Non-available share premium account related to preference shares at group level

R0130 Reconciliation reserve

R0140 Subordinated liabilities

R0150 Non-available subordinated liabilities to be deducted at group level

R0160 An amount equal to the value of net deferred tax assets

R0170 The amount equal to the value of net deferred tax assets not available to be deducted at the group level

R0180 Other items approved by supervisory authority as basic own funds not specified above

R0190 Non available own funds related to other own funds items approved by supervisory authority

R0200 Minority interests

R0210 Non-available minority interests to be deducted at group level

R0220 Own funds from the financial statements that should not be represented by the reconciliation reserve and do not meet the criteria to be classified as Solvency II own funds

R0230 Deductions for participations in other financial undertakings, including non-regulated undertakings carrying out financial activities R0240whereof deducted according to art 228 of the Directive 2009/138/EC

R0250 Deductions for participations where there is non-availability of information (Article 229)

R0260 Deduction for participations included via Deduction and Aggregation method (D&A) when a combination of methods are used

R0270 Total of non-available own fund items to be deducted

R0280 Total deductions

R0290 Total basic own funds after deductions

Ancillary own funds

R0300 Unpaid and uncalled ordinary share capital callable on demand

R0310 Unpaid and uncalled initial funds, members' contributions or the equivalent basic own fund item for mutual and mutual - type undertakings, callable on demand R0320 Unpaid and uncalled preference shares callable on demand

R0330 A legally binding commitment to subscribe and pay for subordinated liabilities on demand

R0340 Letters of credit and guarantees under Article 96(2) of the Directive 2009/138/EC

R0350 Letters of credit and guarantees other than under Article 96(2) of the Directive 2009/138/EC

R0360 Supplementary members calls under first subparagraph of Article 96(3) of the Directive 2009/138/EC

R0370 Supplementary members calls - other than under first subparagraph of Article 96(3) of the Directive 2009/138/EC

R0380 Non available ancillary own funds to be dedcuted at group level

R0390 Other ancillary own funds

R0400 Total ancillary own funds

Own funds of other financial sectors

R0410 Credit Institutions, investment firms, financial institutions, alternative investment fund managers, UCITS management companies

R0420 Institutions for occupational retirement provision

R0430 Non regulated undertakings carrying out financial activities

R0440 Total own funds of other financial sectors