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Spar Nord Bank AS (CHIX:SPNOC) Scaled Net Operating Assets : 0.17 (As of Dec. 2024)


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What is Spar Nord Bank AS Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Spar Nord Bank AS's operating assets for the quarter that ended in Dec. 2024 was kr141,522 Mil. Spar Nord Bank AS's operating liabilities for the quarter that ended in Dec. 2024 was kr118,263 Mil. Spar Nord Bank AS's Total Assets for the quarter that ended in Sep. 2024 was kr139,482 Mil. Therefore, Spar Nord Bank AS's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2024 was 0.17.

Spar Nord Bank AS Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Spar Nord Bank AS's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2024 )
=(Operating Assets (A: Dec. 2024 )-Operating Liabilities (A: Dec. 2024 ))/Total Assets (A: Dec. 2023 )
=(141522-118263)/134896
=0.17

where

Operating Assets(A: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=143785 - 2263
=141522

Operating Liabilities(A: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=129157 - 10894 - 0
=118263

Spar Nord Bank AS's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2024 )
=(Operating Assets (Q: Dec. 2024 )-Operating Liabilities (Q: Dec. 2024 ))/Total Assets (Q: Sep. 2024 )
=(141522-118263)/139482
=0.17

where

Operating Assets(Q: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=143785 - 2263
=141522

Operating Liabilities(Q: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=129157 - 10894 - 0
=118263

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Spar Nord Bank AS Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Spar Nord Bank AS (CHIX:SPNOc) » Definitions » Scaled Net Operating Assets
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Traded in Other Exchanges
0JH4:UK SPNO:Denmark
Address
Skelagervej 15, Aalborg, DNK, 9100
Website
https://www.sparnord.com
Spar Nord Bank AS is a retail bank operating in Denmark. About half of the bank's presence is in North Jutland. The company mostly grew outside its home base via mergers and acquisitions. It caters to common households and local small and medium-sized enterprises. The company's pioneers emphasizes personalization and financial technology. Almost all of the bank's income is net interest income, followed by net fees, charges, and commissions. The majority of the bank's loan portfolio is business lending. The bank's business loan portfolio is diversified among several industries, notably financial services, real estate, trade, and agriculture, hunting, and forestry.