SpareBank 1 Sør-Norge Balance Sheet Health
Financial Health criteria checks 3/6
SpareBank 1 Sør-Norge has total assets of NOK382.7B and total equity of NOK34.1B. Total deposits are NOK155.0B, 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 0.8% of total loans. Cash and short-term investments are NOK15.7B.
Key information
11.2x
Asset to equity ratio
1.7%
Net interest margin
| Total deposits | NOK 154.98b |
| Loan to deposit ratio | High |
| Bad loans | 0.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | NOK 15.66b |
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 (11.2x) is moderate.
Allowance for Bad Loans: B4M1 has a low allowance for bad loans (53%).
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 (74%).
Low Risk Deposits: B4M1's Loans to Deposits ratio (183%) is high.
Level of Bad Loans: B4M1 has an appropriate level of bad loans (0.8%).