Bien Sparebank ASA (BIEN) - Net Assets
Based on the latest financial reports, Bien Sparebank ASA (BIEN) has net assets worth Nkr770.79 Million NOK (≈ $81.11 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr6.13 Billion ≈ $645.33 Million USD) and total liabilities (Nkr5.36 Billion ≈ $564.23 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read Bien Sparebank ASA total liabilities for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Nkr770.79 Million |
| % of Total Assets | 12.57% |
| Annual Growth Rate | 8.62% |
| 5-Year Change | 44.2% |
| 10-Year Change | N/A |
| Growth Volatility | 6.76 |
Bien Sparebank ASA - Net Assets Trend (2020–2025)
This chart illustrates how Bien Sparebank ASA's net assets have evolved over time, based on quarterly financial data. Also explore how large is Bien Sparebank ASA's balance sheet for the complete picture of this company's asset base.
Annual Net Assets for Bien Sparebank ASA (2020–2025)
The table below shows the annual net assets of Bien Sparebank ASA from 2020 to 2025. For live valuation and market cap data, see Bien Sparebank ASA market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Nkr770.79 Million ≈ $81.11 Million |
+7.55% |
| 2024-12-31 | Nkr716.68 Million ≈ $75.42 Million |
+3.24% |
| 2023-12-31 | Nkr694.19 Million ≈ $73.05 Million |
+6.43% |
| 2022-12-31 | Nkr652.26 Million ≈ $68.64 Million |
+22.03% |
| 2021-12-31 | Nkr534.51 Million ≈ $56.25 Million |
+4.86% |
| 2020-12-31 | Nkr509.73 Million ≈ $53.64 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Bien Sparebank ASA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 118.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Nkr364.71 Million | 47.32% |
| Common Stock | Nkr195.26 Million | 25.33% |
| Other Components | Nkr210.82 Million | 27.35% |
| Total Equity | Nkr770.79 Million | 100.00% |
Bien Sparebank ASA Competitors by Market Cap
The table below lists competitors of Bien Sparebank ASA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SKM Egg Products Export (India) Limited
NSE:SKMEGGPROD
|
$93.90 Million |
|
TMT Steel Public Company Limited
BK:TMT
|
$93.91 Million |
|
Daesung Holdin
KO:016710
|
$93.93 Million |
|
Dongsin Engineering & Construction
KQ:025950
|
$93.93 Million |
|
Delta Djakarta Tbk
JK:DLTA
|
$93.83 Million |
|
Solesence, Inc. Common Stock
NASDAQ:SLSN
|
$93.81 Million |
|
MCOT Public Company Limited
F:OLU1
|
$93.79 Million |
|
Carnaby Resources Ltd
AU:CNB
|
$93.78 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bien Sparebank ASA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 716,685,000 to 770,786,000, a change of 54,101,000 (7.5%).
- Net income of 65,197,000 contributed positively to equity growth.
- Dividend payments of 30,383,000 reduced retained earnings.
- Other factors increased equity by 19,287,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Nkr65.20 Million | +8.46% |
| Dividends Paid | Nkr30.38 Million | -3.94% |
| Other Changes | Nkr19.29 Million | +2.5% |
| Total Change | Nkr- | 7.55% |
Book Value vs Market Value Analysis
This analysis compares Bien Sparebank ASA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.16x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.75x to 1.16x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2020-12-31 | Nkr89.74 | Nkr157.00 | x |
| 2021-12-31 | Nkr94.10 | Nkr157.00 | x |
| 2022-12-31 | Nkr114.83 | Nkr157.00 | x |
| 2023-12-31 | Nkr122.21 | Nkr157.00 | x |
| 2024-12-31 | Nkr126.17 | Nkr157.00 | x |
| 2025-12-31 | Nkr135.70 | Nkr157.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bien Sparebank ASA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.46%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 38.26%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 7.96x
- Recent ROE (8.46%) is above the historical average (7.01%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2020 | 5.10% | 26.90% | 0.02x | 9.89x | Nkr-24.96 Million |
| 2021 | 5.51% | 28.93% | 0.02x | 9.35x | Nkr-23.99 Million |
| 2022 | 6.45% | 35.50% | 0.02x | 7.60x | Nkr-23.14 Million |
| 2023 | 8.04% | 38.98% | 0.03x | 7.36x | Nkr-13.57 Million |
| 2024 | 8.48% | 39.69% | 0.03x | 7.61x | Nkr-10.90 Million |
| 2025 | 8.46% | 38.26% | 0.03x | 7.96x | Nkr-11.88 Million |
Industry Comparison
This section compares Bien Sparebank ASA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $3,658,109,955
- Average return on equity (ROE) among peers: -27.86%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bien Sparebank ASA (BIEN) | Nkr770.79 Million | 5.10% | 6.96x | $93.84 Million |
| Aasen Sparebank (AASB) | $533.81 Million | 7.00% | 6.64x | $24.75 Million |
| Aurskog Sparebank (AURG) | $896.17 Million | 6.69% | 7.80x | $123.04 Million |
| DnB ASA (DNB) | $25.84 Billion | 15.87% | 12.86x | $42.91 Billion |
| Grong Sparebank (GRONG) | $921.66 Million | 9.32% | 7.58x | $83.18 Million |
| Helgeland Sparebank (HELG) | $2.18 Billion | 11.01% | 10.87x | $471.00 Million |
| Holand og Setskog Sparebank (HSPG) | $219.84 Million | 0.00% | 13.09x | $11.58 Million |
| Instabank ASA (INSTA) | $567.63 Million | 7.27% | 5.24x | $200.27 Million |
| Jaeren Sparebank (JAREN) | $1.77 Billion | 6.84% | 6.94x | $181.14 Million |
| Kraft Bank Asa (KRAB) | $1.31 Million | -314.77% | 0.33x | $58.73 Million |
About Bien Sparebank ASA
Bien Sparebank ASA operates as a savings bank that provides a range of banking and financial products and services to individuals and business customers in Norway and internationally. It operates through Retail Market and Corporate Market segments. The company offers banking services, such as bank cards, abroad payment, credit cards, account services, mobile banking and online banking services, a… Read more