Bien Sparebank 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	Dec '25 Dec 3, 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	869	693	493	523	-	-	Upgrade
Market Cap Growth	24.39%	40.55%	-5.66%	-	-	-	Upgrade
Last Close Price	153.00	118.00	79.20	80.54	-	-	Upgrade
PE Ratio	14.63	12.18	9.43	13.04	-	-	Upgrade
PS Ratio	5.33	4.51	3.39	4.52	-	-	Upgrade
PB Ratio	1.17	0.97	0.71	0.80	-	-	Upgrade
P/FCF Ratio	-	26.54	-	6.16	-	-	Upgrade
P/OCF Ratio	28.20	26.54	-	6.16	-	-	Upgrade
Debt / Equity Ratio	1.73	1.58	1.53	1.41	1.80	1.99	Upgrade
Debt / FCF Ratio	41.79	43.32	-	10.88	38.68	38.73	Upgrade
Return on Equity (ROE)	8.74%	8.62%	8.29%	7.09%	5.65%	5.59%	Upgrade
Return on Assets (ROA)	1.11%	1.15%	1.11%	0.84%	0.59%	0.52%	Upgrade
Earnings Yield	6.84%	8.77%	11.33%	8.05%	-	-	Upgrade
FCF Yield	-	3.77%	-34.54%	16.23%	-	-	Upgrade
Dividend Yield	3.47%	4.53%	6.21%	4.59%	-	-	Upgrade
Payout Ratio	48.05%	45.99%	37.68%	27.80%	28.82%	31.14%	Upgrade
Buyback Yield / Dilution	-	-	-	-13.23%	-	-	Upgrade
Total Shareholder Return	3.47%	4.53%	6.21%	-8.63%	-	-	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.