SpareBank 1 Østlandet’s deposits and senior preferred debt
is rated by Moody’s Investors Service (Moody’s).
Type
LT Counterparty Risk Rating - Fgn Curr
Outlook
Not Assignned
Long Term Debt
Aa3
Type
Senior Unsecured - Fgn Curr
Outlook
Stable
Long Term Deposit
Aa3
Type
LT Bank Deposits-Fgn Curr
Outlook
Stable
Credit Strengths
Solid capital levels provide a good loss absorption buffer.
Asset-risk metrics are strong on the back of a relatively low risk retail mortgage portfolio.
Large volume of deposits and junior debt resulting in deposit ratings benefit from a very low loss given failure rate.
Credit challenges
Similar to other Norwegian savings banks, the bank's ratings are constrained by its relatively narrow geographic focus and high credit concentration in commercial real estate (CRE).
High reliance on market funding exposes the bank to potential change in investor sentiment
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