Sparebank 1 SMN - Asset Resilience Ratio

Latest as of December 2018: 12.66%

Sparebank 1 SMN (MING) has an Asset Resilience Ratio of 12.66% as of December 2018. 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 Sparebank 1 SMN to assess the company's strategic physical and investment asset allocation.

Liquid Assets

Nkr20.35 Billion

≈ $2.14 Billion USD Cash + Short-term Investments

Total Assets

Nkr160.70 Billion

≈ $16.91 Billion USD All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2007–2017)

This chart shows how Sparebank 1 SMN's Asset Resilience Ratio has changed over time. See MING net asset quality score to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Sparebank 1 SMN'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 market value of Sparebank 1 SMN.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Nkr0.00	0%
Short-term Investments	Nkr20.35 Billion	12.66%
Total Liquid Assets	Nkr20.35 Billion	12.66%

Asset Resilience Insights

Moderate Liquidity: Sparebank 1 SMN has 12.66% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

Sparebank 1 SMN Industry Peers by Asset Resilience Ratio

Compare Sparebank 1 SMN's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Kreditbanken A/S CO:KRE	Banks - Regional	0.05%
Nu Holdings Ltd NYSE:NU	Banks - Regional	1.52%
Commerzbank AG XETRA:CBK	Banks - Regional	5.22%
Bank Mandiri Persero Tbk PT JK:BMRI	Banks - Regional	-0.12%
Axos Financial Inc NYSE:AX	Banks - Regional	0.21%
Bank of Nanjing Co Ltd SHG:601009	Banks - Regional	-5.31%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
King’s Town Bank TW:2809	Banks - Regional	-9.61%

Annual Asset Resilience Ratio for Sparebank 1 SMN (2007–2017)

The table below shows the annual Asset Resilience Ratio data for Sparebank 1 SMN.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2017-12-31	2.75%	Nkr4.21 Billion ≈ $443.43 Million	Nkr153.25 Billion ≈ $16.13 Billion	-0.89pp
2013-12-31	3.64%	Nkr4.20 Billion ≈ $441.96 Million	Nkr115.36 Billion ≈ $12.14 Billion	-13.78pp
2009-12-31	17.42%	Nkr14.73 Billion ≈ $1.55 Billion	Nkr84.54 Billion ≈ $8.90 Billion	+7.39pp
2008-12-31	10.03%	Nkr8.49 Billion ≈ $893.50 Million	Nkr84.68 Billion ≈ $8.91 Billion	+2.96pp
2007-12-31	7.06%	Nkr5.05 Billion ≈ $531.51 Million	Nkr71.50 Billion ≈ $7.52 Billion	--

pp = percentage points

About Sparebank 1 SMN

OL:MING Norway Banks - Regional

Market Cap

$2.88 Billion

Nkr27.39 Billion NOK

Market Cap Rank

#5156 Global

#32 in Norway

Share Price

Nkr189.94

Change (1 day)

-0.08%

52-Week Range

Nkr182.56 - Nkr213.50

All Time High

Nkr213.50