SpareBank 1 Sør-Norge ASA Ratios and Metrics

Market cap in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 29, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	66,074	38,729	34,049	30,866	34,061	23,265	Upgrade
Market Cap Growth	92.18%	13.74%	10.31%	-9.38%	46.41%	-9.00%	Upgrade
Last Close Price	176.00	138.95	115.35	101.93	107.05	67.69	Upgrade
PE Ratio	12.84	7.89	7.92	9.37	11.03	15.48	Upgrade
PS Ratio	5.22	3.74	3.79	4.39	5.20	5.53	Upgrade
PB Ratio	1.26	0.74	1.01	1.08	1.25	0.88	Upgrade
P/FCF Ratio	21.97	-	3.99	-	-	-	Upgrade
P/OCF Ratio	20.18	-	3.93	-	-	-	Upgrade
Debt / Equity Ratio	4.45	4.17	5.23	5.80	5.08	5.33	Upgrade
Debt / FCF Ratio	77.57	-	20.54	-	-	-	Upgrade
Return on Equity (ROE)	14.44%	12.05%	14.38%	12.09%	11.78%	6.21%	Upgrade
Return on Assets (ROA)	1.39%	1.23%	1.26%	1.04%	1.07%	0.59%	Upgrade
Earnings Yield	8.94%	13.41%	13.14%	10.94%	9.27%	6.84%	Upgrade
FCF Yield	4.55%	-20.41%	25.08%	-51.03%	-22.35%	-10.28%	Upgrade
Dividend Yield	4.83%	6.12%	6.50%	6.87%	5.61%	4.58%	Upgrade
Payout Ratio	56.55%	43.60%	43.91%	48.16%	71.83%	5.53%	Upgrade
Buyback Yield / Dilution	-60.48%	-42.06%	-3.35%	-0.01%	0.13%	-1.46%	Upgrade
Total Shareholder Return	-55.65%	-35.95%	3.15%	6.86%	5.74%	3.12%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.