Spar Nord Bank - Asset Resilience Ratio

Latest as of June 2024: -3.96%

Spar Nord Bank (SPNO) has an Asset Resilience Ratio of -3.96% as of June 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check strategic asset allocation of Spar Nord Bank to assess the company's strategic physical and investment asset allocation.

Liquid Assets

Dkr-5.44 Billion

≈ $-851.75 Million USD Cash + Short-term Investments

Total Assets

Dkr137.53 Billion

≈ $21.52 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2007–2019)

This chart shows how Spar Nord Bank's Asset Resilience Ratio has changed over time. See debt-free asset ratio of Spar Nord Bank to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Spar Nord Bank's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see SPNO market cap overview.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Dkr0.00	0%
Short-term Investments	Dkr-5.44 Billion	-3.96%
Total Liquid Assets	Dkr-5.44 Billion	-3.96%

Asset Resilience Insights

Limited Liquidity: Spar Nord Bank maintains only -3.96% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

Spar Nord Bank Industry Peers by Asset Resilience Ratio

Compare Spar Nord Bank's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Standard Bank Group Ltd JSE:SBK	Banks - Regional	-9.21%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
International Bancshares Corporation NASDAQ:IBOC	Banks - Regional	28.98%
Judo Capital Holdings Ltd AU:JDO	Banks - Regional	10.76%
TF Bank AB ST:TFBANK	Banks - Regional	-0.15%
Bank Tabungan Negara Persero JK:BBTN	Banks - Regional	-3.50%
Mystate Ltd AU:MYS	Banks - Regional	8.81%

Annual Asset Resilience Ratio for Spar Nord Bank (2007–2019)

The table below shows the annual Asset Resilience Ratio data for Spar Nord Bank.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2019-12-31	9.75%	Dkr9.08 Billion ≈ $1.42 Billion	Dkr93.11 Billion ≈ $14.57 Billion	+2.85pp
2018-12-31	6.90%	Dkr5.71 Billion ≈ $893.37 Million	Dkr82.79 Billion ≈ $12.95 Billion	-4.89pp
2017-12-31	11.79%	Dkr9.47 Billion ≈ $1.48 Billion	Dkr80.37 Billion ≈ $12.57 Billion	+3.82pp
2016-12-31	7.97%	Dkr6.25 Billion ≈ $978.33 Million	Dkr78.47 Billion ≈ $12.28 Billion	+2.53pp
2015-12-31	5.44%	Dkr4.16 Billion ≈ $650.10 Million	Dkr76.36 Billion ≈ $11.95 Billion	+4.85pp
2014-12-31	0.59%	Dkr463.80 Million ≈ $72.56 Million	Dkr78.83 Billion ≈ $12.33 Billion	-1.81pp
2013-12-31	2.39%	Dkr1.79 Billion ≈ $279.37 Million	Dkr74.60 Billion ≈ $11.67 Billion	+2.25pp
2012-12-31	0.15%	Dkr115.50 Million ≈ $18.07 Million	Dkr79.15 Billion ≈ $12.38 Billion	-1.58pp
2011-12-31	1.73%	Dkr1.21 Billion ≈ $189.64 Million	Dkr70.08 Billion ≈ $10.96 Billion	-1.72pp
2010-12-31	3.45%	Dkr2.33 Billion ≈ $364.30 Million	Dkr67.44 Billion ≈ $10.55 Billion	+0.25pp
2008-12-31	3.20%	Dkr2.22 Billion ≈ $347.31 Million	Dkr69.27 Billion ≈ $10.84 Billion	+2.27pp
2007-12-31	0.93%	Dkr590.14 Million ≈ $92.33 Million	Dkr63.39 Billion ≈ $9.92 Billion	--

pp = percentage points

About Spar Nord Bank

CO:SPNO Denmark Banks - Regional

Market Cap

$3.76 Billion

Dkr24.06 Billion DKK

Market Cap Rank

#4348 Global

#25 in Denmark

Share Price

Dkr209.60

Change (1 day)

-0.10%

52-Week Range

Dkr209.60 - Dkr210.20

All Time High

Dkr211.50