In 2023, Bien Sparebank achieved the position of 67th largest bank in Norway with a market share of 0.10%. The bank showcased 1.11% return on assets in 2023. The bank operates through Retail Market and Corporate Market segments, positioning itself as a regional savings bank with dual focus on consumer and business banking.
Cyborg Score Rationale
Bien Sparebank is a stable regional bank with a 140+ year heritage and public market presence since 2022. While it holds modest market share (0.10% of Norwegian banking assets), it demonstrates profitability with positive ROA and operates a diversified product portfolio.
Top Insights
Recently listed on Oslo Stock Exchange in December 2022, providing fresh equity capital and improved market transparency
Positioned as customer-focused regional bank emphasizing personalized service in an increasingly digital banking landscape
Member of Eika Gruppen cooperative, providing network benefits and operational scale despite modest standalone market share
Dual-segment model (Retail and Corporate Markets) provides diversification across consumer and business customer bases
Named Competitors
DNB ASA — Norway's largest bank and financial services provider
Nordea Bank — Nordic region's largest bank by assets
Eika Network Members — Cooperative network of Norwegian and Swedish savings banks
Recent Developments
(December 2022) IPO on Oslo Stock Exchange, transitioning to public company status
(2023) Maintained 1.11% return on assets with modest 2.95% year-over-year asset growth
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