Sparebanken Sør Balance Sheet Health

Financial Health criteria checks 3/6

Sparebanken Sør has total assets of NOK170.3B and total equity of NOK17.8B. Total deposits are NOK71.2B, and total loans are NOK134.1B earning a Net Interest Margin of 1.9%. It has insufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are NOK3.8B.

Key information

9.6x

Asset to equity ratio

1.9%

Net interest margin

Total deposits

NOK 71.16b

Loan to deposit ratio

High

Bad loans

0.7%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

NOK 3.75b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 0FN3's Assets to Equity ratio (9.6x) is low.

Allowance for Bad Loans: 0FN3 has a low allowance for bad loans (47%).

Low Risk Liabilities: 53% of 0FN3's liabilities are made up of primarily higher risk sources of funding.

Loan Level: 0FN3 has an appropriate level of Loans to Assets ratio (79%).

Low Risk Deposits: 0FN3's Loans to Deposits ratio (188%) is high.

Level of Bad Loans: 0FN3 has an appropriate level of bad loans (0.7%).


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