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Complete financial analysis of SpareBank 1 SMN (MING.OL) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of SpareBank 1 SMN, a leading company in the Banks – Regional industry within the Financial Services sector.
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SpareBank 1 SMN (MING.OL)
About SpareBank 1 SMN
SpareBank 1 SMN, together with its subsidiaries, provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. The company offers mortgage, green, car, boat, other vehicles, and consumer loans, as well as refinancing, as well as savings accounts. It also provides BSU house savings for young people, BSU, and mikrosparing, as well as fixed rate and green deposits, and placement accounts; savings funds; investment solutions, such as share savings accounts, stock trading, and private banking services; and individual pension savings, and pension savings accounts. In addition, the company offers vehicle, housing and travel, person, animal, and valuables insurance services; property buying and selling advisory services; and mobile and online banking, and various debit and credit cards. Further, it offers loans and finances, including bank guarantees, corporate and construction loans, operating credit for agriculture, factoring, invoice sales, leasing, and liquidity loans with government guarantees; various pension products; and business and personal insurance products. Additionally, the company provides services, including accounting and payroll, HR, taxes and duties, and change of ownership, as well as IT solutions. It offers real estate agency, advisory, and external and equity financing services. SpareBank 1 SMN was founded in 1823 and is headquartered in Trondheim, Norway.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 7.22B | 5.32B | 5.95B | 5.60B | 5.27B | 4.83B | 4.55B | 4.08B | 3.41B | 3.33B | 3.23B | 2.82B | 2.50B | 2.31B | 2.33B | 1.78B | 1.91B | 1.83B | 1.67B | 1.36B |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 7.22B | 5.32B | 5.95B | 5.60B | 5.27B | 4.83B | 4.55B | 4.08B | 3.41B | 3.33B | 3.23B | 2.82B | 2.50B | 2.31B | 2.33B | 1.78B | 1.91B | 1.83B | 1.67B | 1.36B |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 310.00M | 288.00M | 274.00M | 262.00M | 223.00M | 235.00M | 215.00M | 212.00M | 0.00 | 320.00M | 341.00M | 338.00M | 322.00M | 279.00M | 228.00M |
| Selling & Marketing | 93.00M | 86.00M | 77.00M | 73.00M | 101.00M | 106.00M | 104.00M | 98.00M | 96.00M | 82.00M | 58.00M | 49.00M | 50.00M | 583.00M | 38.00M | 623.00M | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 93.00M | 86.00M | 77.00M | 73.00M | 101.00M | 106.00M | 104.00M | 98.00M | 96.00M | 82.00M | 58.00M | 49.00M | 50.00M | 583.00M | 320.00M | 341.00M | 338.00M | 322.00M | 279.00M | 228.00M |
| Other Expenses | 7.13B | 2.34B | 2.77B | 2.78B | 2.69B | 2.19B | 1.97B | 1.57B | 1.57B | 1.45B | -1.00M | 1.39B | -27.00M | -132.00M | -277.00M | -202.00M | -6.00M | 139.00M | 89.00M | 0.00 |
| Operating Expenses | 7.22B | 2.42B | 2.85B | 2.86B | 2.79B | 2.61B | 2.36B | 1.94B | 1.93B | 1.76B | 1.71B | 1.66B | 1.48B | 1.14B | 1.25B | 1.17B | 1.09B | 989.00M | 905.00M | 724.00M |
| Cost & Expenses | 7.22B | 2.45B | 2.85B | 2.86B | 2.79B | 2.61B | 2.36B | 1.94B | 1.93B | 1.76B | 1.71B | 1.66B | 1.48B | 1.14B | 1.25B | 1.17B | 1.09B | 989.00M | 905.00M | 724.00M |
| Interest Income | 11.26B | 5.93B | 3.92B | 4.20B | 4.63B | 4.06B | 3.83B | 3.60B | 4.03B | 4.27B | 4.12B | 3.93B | 3.78B | 3.32B | 3.42B | 4.82B | 3.47B | 2.38B | 1.92B | 1.60B |
| Interest Expense | 6.63B | 2.59B | 1.12B | 1.44B | 1.94B | 1.65B | 1.60B | 1.71B | 2.16B | 2.48B | 2.50B | 2.45B | 2.50B | 2.11B | 2.14B | 3.48B | 2.35B | 1.37B | 955.00M | 732.00M |
| Depreciation & Amortization | 153.00M | 117.00M | 170.00M | 164.00M | 172.00M | 99.00M | 102.00M | 98.00M | 104.00M | 109.00M | 118.00M | 102.00M | 88.00M | 48.00M | 51.00M | 75.00M | 56.00M | 49.00M | 40.00M | 39.00M |
| EBITDA | 4.34B | 3.00B | 2.73B | 1.85B | 2.37B | 0.00 | 2.71B | 0.00 | 0.00 | 0.00 | 0.00 | 2.33B | 0.00 | 1.33B | 0.00 | 0.00 | 0.00 | 1.17B | 840.00M | 595.00M |
| EBITDA Ratio | 60.13% | 114.25% | 59.46% | 43.16% | 60.68% | 89.34% | 86.73% | 92.15% | 118.73% | 141.84% | 136.13% | 138.82% | 154.38% | 148.85% | 143.00% | 243.75% | 180.50% | 138.17% | 114.57% | 46.84% |
| Operating Income | 4.02B | 5.96B | 3.35B | 2.25B | 3.03B | 4.22B | 3.85B | 1.98B | 1.78B | 2.14B | 1.76B | 1.36B | 3.77B | 1.42B | 1.42B | 980.00M | 1.04B | 597.00M | 592.00M | 599.00M |
| Operating Income Ratio | 55.71% | 112.05% | 56.33% | 40.20% | 57.41% | 87.31% | 84.49% | 48.61% | 52.14% | 64.41% | 54.46% | 48.03% | 150.86% | 61.39% | 61.17% | 55.18% | 54.45% | 32.55% | 35.49% | 43.98% |
| Total Other Income/Expenses | 463.00M | -1.57B | -1.81B | -952.00M | -952.00M | 0.00 | -844.00M | -1.17B | -742.00M | 0.00 | 347.00M | 0.00 | 0.00 | -133.00M | -277.00M | -206.00M | 223.00M | 189.00M | -1.00M | -38.00M |
| Income Before Tax | 4.48B | 3.32B | 3.50B | 2.38B | 3.08B | 2.45B | 2.28B | 1.98B | 1.78B | 2.14B | 1.76B | 1.36B | 1.28B | 1.28B | 1.15B | 778.00M | 1.05B | 1.12B | 919.00M | 599.00M |
| Income Before Tax Ratio | 62.12% | 62.48% | 58.85% | 42.45% | 58.47% | 50.70% | 50.07% | 48.61% | 52.14% | 64.41% | 54.43% | 48.03% | 51.18% | 55.62% | 49.27% | 43.81% | 54.77% | 60.85% | 55.10% | 43.98% |
| Income Tax Expense | 904.00M | 718.00M | 609.00M | 400.00M | 518.00M | 509.00M | 450.00M | 341.00M | 370.00M | 362.00M | 388.00M | 295.00M | 255.00M | 260.00M | 210.00M | 161.00M | 200.00M | 219.00M | 199.00M | 144.00M |
| Net Income | 3.61B | 2.66B | 2.74B | 1.85B | 2.51B | 2.06B | 1.80B | 1.64B | 1.41B | 1.77B | 1.39B | 1.07B | 1.02B | 1.02B | 931.00M | 616.00M | 843.00M | 897.00M | 717.00M | 455.00M |
| Net Income Ratio | 50.07% | 49.91% | 46.09% | 33.06% | 47.58% | 42.55% | 39.46% | 40.21% | 41.40% | 53.26% | 43.03% | 37.86% | 40.66% | 44.12% | 39.99% | 34.68% | 44.18% | 48.91% | 42.99% | 33.41% |
| EPS | 16.88 | 11.44 | 11.77 | 8.80 | 12.14 | 15.89 | 8.71 | 7.93 | 7.00 | 8.87 | 6.97 | 5.25 | 6.11 | 5.89 | 6.17 | 4.11 | 4.99 | 6.09 | 5.22 | 3.76 |
| EPS Diluted | 16.88 | 11.44 | 11.77 | 8.80 | 12.14 | 15.89 | 8.71 | 7.93 | 7.00 | 8.82 | 6.92 | 5.21 | 6.06 | 5.86 | 6.13 | 4.11 | 4.99 | 6.09 | 5.22 | 3.76 |
| Weighted Avg Shares Out | 138.11M | 129.32M | 129.34M | 129.36M | 129.50M | 129.41M | 129.49M | 129.53M | 129.83M | 129.83M | 129.83M | 129.83M | 103.60M | 103.58M | 147.28M | 94.40M | 88.06M | 82.37M | 137.45M | 120.90M |
| Weighted Avg Shares Out (Dil) | 138.11M | 129.32M | 129.34M | 129.36M | 129.50M | 129.41M | 129.49M | 129.53M | 129.83M | 129.83M | 129.83M | 129.83M | 103.60M | 103.58M | 147.28M | 94.40M | 88.06M | 82.37M | 137.45M | 120.90M |
Source: https://incomestatements.info
Category: Stock Reports