Market Closed -
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5-day change | 1st Jan Change | ||
139.42 NOK | +0.35% |
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-4.36% | -1.61% |
12:25am | Sparebank 1 Markets lowers target price for Sparebanken Vest to NOK 155 (160), reiterates Buy - BN | FW |
Jan. 09 | Sparebanken Vest Issues NOK1.1 Billion Senior Nonpreferred Bonds | MT |
Fiscal Period: December | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
---|---|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||||
Return on Assets | 1.07 | 0.97 | 1.1 | 1.13 | 1.24 | |||||
Return On Equity % | 12.69 | 11.5 | 13.14 | 13.51 | 15.65 | |||||
Return on Common Equity | 3.1 | 4.46 | 5.12 | 5.29 | 6.17 | |||||
Shareholders Value Added | 119M | -87.64M | 218M | 315M | 826M | |||||
Margin Analysis | ||||||||||
SG&A Margin | 33.07 | 33.47 | 30.42 | 28.94 | 25.31 | |||||
Net Interest Income / Total Revenues % | 75.74 | 80.88 | 71.8 | 76.91 | 84.64 | |||||
EBT Excl. Non-Recurring Items Margin % | 63.02 | 62.28 | 66.49 | 67.61 | 71.46 | |||||
Income From Continuing Operations Margin % | 50.12 | 52.96 | 54.69 | 54.25 | 57.25 | |||||
Net Income Margin % | 50.12 | 52.96 | 54.69 | 54.25 | 57.25 | |||||
Net Avail. For Common Margin % | 12.24 | 20.55 | 21.33 | 21.26 | 22.56 | |||||
Normalized Net Income Margin | 39.38 | 38.93 | 41.55 | 42.26 | 44.66 | |||||
Asset quality | ||||||||||
Nonperforming Loans / Total Loans % | 0.24 | 0.3 | 0.23 | 0.21 | 0.3 | |||||
Nonperforming Loans / Total Assets % | 0.21 | 0.25 | 0.2 | 0.18 | 0.26 | |||||
Nonperforming Assets / Total Assets % | 0.21 | 0.25 | 0.2 | 0.18 | 0.26 | |||||
NPAs / Loans and OREO | 0.24 | 0.3 | 0.23 | 0.21 | 0.3 | |||||
NPAs / Equity | 2.46 | 2.97 | 2.39 | 2.16 | 3.36 | |||||
Allowance for Credit Losses / Net Charge-offs % | 198.04 | 1.1K | 1.48K | 2.75K | 2.04K | |||||
Allowance for Credit Losses / Nonperforming Loans % | 146.02 | 176.23 | 181.61 | 186.44 | 111.42 | |||||
Allowance for Credit Losses / Total Loans % | 0.35 | 0.52 | 0.42 | 0.39 | 0.34 | |||||
Net Charge-offs / Total Average Loans % | 0.18 | 0.05 | - | - | - | |||||
Provision for Loan Losses / Net Charge-offs % | 16.99 | 509.09 | -53.45 | 162.5 | 220.93 | |||||
Earning Assets / IBL | 107.64 | 106.18 | - | - | - | |||||
Interest Income / Average Assets | 2.96 | 2.35 | 2.01 | 3.05 | 5.05 | |||||
Interest Expense / Average Assets | 1.37 | 0.93 | 0.54 | 1.46 | 3.22 | |||||
Net Interest Income / Average Assets | 1.59 | 1.42 | 1.46 | 1.59 | 1.83 | |||||
Non Interest Income / Average Assets | 0.53 | 0.54 | 0.56 | 0.5 | 0.36 | |||||
Non Interest Expense / Average Asset | 0.77 | 0.66 | 0.68 | 0.67 | 0.62 | |||||
Capital And Funding | ||||||||||
Total Average Common Equity / Total Average Assets % | 8.42 | 8.45 | 8.39 | 8.37 | 7.95 | |||||
Total Average Equity / Total Average Assets % | 8.42 | 8.45 | 8.39 | 8.37 | 7.95 | |||||
Total Equity + Allowance for Loan Losses / Total Loans % | 10.25 | 10.53 | 10.08 | 10.06 | 9.35 | |||||
Gross Loans / Total Deposits % | 214.44 | 222.92 | 225.82 | 201.64 | 210.2 | |||||
Net Loans / Total Deposits % | 213.68 | 221.75 | 224.87 | 200.86 | 209.48 | |||||
Tier 1 Capital Ratio % | 19.2 | 19.7 | 18.6 | 19.5 | 18.3 | |||||
Total Capital Ratio % | 21.2 | 21.9 | 20.6 | 21.4 | 20.3 | |||||
Core Tier 1 Capital Ratio | 17.5 | 18 | 17.4 | 18.1 | 16.8 | |||||
Tier 2 Capital Ratio | 2 | 2.2 | 2 | 1.9 | 2 | |||||
Coverage Ratio | 58.61 | 58.89 | 61.4 | 70.4 | 60.05 | |||||
Interbank Ratio | 45.16 | 35.29 | 30.51 | 32.89 | 57.83 | |||||
Fixed Charges Coverage | ||||||||||
EBT + Interest Expense / Interest Expense | 1.96 | 2.18 | 3.49 | 1.95 | 1.48 | |||||
Growth Over Prior Year | ||||||||||
Net Interest Income, 1 Yr. Growth % | 14.84 | -0.45 | 6.25 | 21.07 | 31.22 | |||||
Non Interest Income, 1 Yr. Growth % | 11.93 | 12.46 | 34.57 | -1.11 | -16.39 | |||||
Provision For Loan Losses, 1 Yr. Growth % | 766.67 | 761.54 | -106.92 | -267.74 | 82.69 | |||||
Total Revenues, 1 Yr. Growth % | 12.85 | -6.78 | 27.75 | 13.01 | 19.24 | |||||
Earnings From Cont. Operations, 1 Yr. Growth % | 24.34 | -1.5 | 23.61 | 12.1 | 25.84 | |||||
Net Income, 1 Yr. Growth % | 24.34 | -1.5 | 23.61 | 12.1 | 25.84 | |||||
Normalized Net Income, 1 Yr. Growth % | 20.59 | -7.86 | 42.16 | 14.93 | 26.03 | |||||
Diluted EPS Before Extra, 1 Yr. Growth % | 23.57 | -1.35 | 24.54 | 12.24 | 23.96 | |||||
Dividend Per Share, 1 Yr. Growth % | 5.22 | 65.29 | 12.5 | 22.22 | 36.36 | |||||
Gross Loans, 1 Yr. Growth % | 5.93 | 7.89 | 11.3 | 10.4 | 14.76 | |||||
Allowance For Loan Losses, 1 Yr. Growth % | -33.19 | 58.81 | -10.98 | 2.44 | -0.23 | |||||
Net Loans, 1 Yr. Growth % | 6.15 | 7.71 | 11.42 | 10.43 | 14.81 | |||||
Non Performing Loans, 1 Yr. Growth % | 16.9 | 31.81 | -13.53 | -0.21 | 66.95 | |||||
Non Performing Assets, 1 Yr. Growth % | 16.9 | 31.81 | -13.53 | -0.21 | 66.95 | |||||
Total Assets, 1 Yr. Growth % | 4.11 | 12.23 | 6.01 | 12.47 | 16.18 | |||||
Total Deposits, 1 Yr Growth % | 9.79 | 3.79 | 9.87 | 23.63 | 10.09 | |||||
Tangible Book Value, 1 Yr. Growth % | 8.2 | 9.2 | 7.69 | 10.86 | 7.19 | |||||
Average Interest Earning Assets, 1 Yr. Growth % | 6.58 | 8.72 | - | - | - | |||||
Average Interest Bearing Liabilities, 1 Yr. Growth % | 7.62 | 10.22 | - | - | - | |||||
Common Equity, 1 Yr. Growth % | 8.12 | 9.09 | 7.42 | 10.53 | 6.99 | |||||
Total Equity, 1 Yr. Growth % | 8.12 | 9.09 | 7.42 | 10.53 | 6.99 | |||||
Compound Annual Growth Rate Over Two Years | ||||||||||
Net Interest Income, 2 Yr. CAGR % | 10.27 | 6.92 | 2.84 | 13.42 | 26.04 | |||||
Non Interest Income, 2 Yr. CAGR % | 17.52 | 12.2 | 9.71 | 15.36 | -9.07 | |||||
Provision For Loan Losses, 2 Yr. CAGR % | 25.53 | 764.1 | -22.79 | -65.93 | 75.06 | |||||
Total Revenues, 2 Yr. CAGR % | 11.83 | 2.57 | 5.63 | 20 |