SpareBank 1 SR-Bank Balance Sheet Health
Financial Health criteria checks 3/6
SpareBank 1 SR-Bank has total assets of NOK377.0B and total equity of NOK34.5B. Total deposits are NOK150.7B, and total loans are NOK283.4B earning a Net Interest Margin of 1.7%. It has insufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are NOK16.8B.
Key information
10.9x
Asset to equity ratio
1.7%
Net interest margin
Total deposits | kr150.71b |
Loan to deposit ratio | High |
Bad loans | 0.9% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | kr16.83b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: B4M1's Assets to Equity ratio (10.9x) is moderate.
Allowance for Bad Loans: B4M1 has a low allowance for bad loans (49%).
Low Risk Liabilities: 56% of B4M1's liabilities are made up of primarily higher risk sources of funding.
Loan Level: B4M1 has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: B4M1's Loans to Deposits ratio (188%) is high.
Level of Bad Loans: B4M1 has an appropriate level of bad loans (0.9%).