Samarbeidende Sparebanker i Norge: En Overblik

In Norway, a unique financial cooperative model has emerged, where banks work together to provide better services to their customers.

This model is known as Samarbeidende Sparebanker, which translates to "cooperative banks" in English.

These banks are not-for-profit institutions that prioritize the needs of their customers and the local community over profits.

Samarbeidende Sparebanker have a long history in Norway, dating back to the 19th century.

They have a strong presence in rural areas, where they often serve as the primary financial institution for local residents.

The SpareBank 1 Alliance has 10 member banks, each with its own unique identity and operations.

SpareBank 1 Gudbrandsdal is one of the member banks, along with SpareBank 1 Hallingdal Valdres and SpareBank 1 Helgeland.

SpareBank 1 Nordmøre, SpareBank 1 Ringerike Hadeland, and SpareBank 1 SMN are also part of the Alliance.

SpareBank 1 Sogn og Fjordane and SpareBank 1 Nord-Norge make up the rest of the member banks.

Intriguing read: SpareBank 1 Nord-Norge

The four largest banks in the Alliance are SpareBank 1 Nord-Norge, SpareBank 1 SMN, SpareBank 1 SR-Bank, and SpareBank 1 Østlandet.

These four banks own a significant portion of SpareBank 1 Gruppen AS, the holding company of the Alliance.

Here are the 10 member banks of the SpareBank 1 Alliance:

SpareBank 1 Gruppen AS is the parent company to 5 subsidiary companies, which develop and supply products to banks in the alliance.

The company also develops and supplies products to LO and its associations through its loyalty scheme LOfavør. SpareBank 1 Gruppen AS is jointly owned by 5 banks, with each bank holding a 19.5% stake, and LO and its associations holding a 9.6% stake.

The owners of SpareBank 1 Gruppen AS include SpareBank 1 Nord-Norge, SpareBank 1 SMN, SpareBank 1 Sør-Norge ASA, Samarbeidende Sparebanker AS, and SpareBank 1 Østlandet.

SpareBank 1 Utvikling DA supplies business platforms and joint management and development services to alliance banks, and helps to ensure that joint development and activities provide the banks with economies of scale and competitive advantages.

The company also owns and manages the alliance’s intellectual property rights under the joint brand name “SpareBank 1”. The owners of SpareBank 1 Utvikling DA include SpareBank 1 Nord-Norge, SpareBank 1 SMN, SpareBank 1 Sør-Norge, Samarbeidende Sparebanker Utvikling AS, and SpareBank 1 Østlandet.

Here are the 12 independent banks in the SpareBank 1 alliance:

SpareBank 1 Gruppen has a complex ownership structure, with multiple banks and companies under its umbrella. The SpareBank 1 Alliance includes 8 banks: SpareBank 1 Gudbrandsdal, SpareBank 1 Hallingdal Valdres, SpareBank 1 Helgeland, SpareBank 1 Lom og Skjåk, SpareBank 1 Nordmøre, SpareBank 1 Ringerike Hadeland, SpareBank 1 SMN, and SpareBank 1 Sogn og Fjordane.

These banks are part of the SpareBank 1 Alliance, which also includes SpareBank 1 Nord-Norge, SpareBank 1 Sør-Norge, and SpareBank 1 Østfold Akershus. SpareBank 1 Østlandet is also part of the alliance.

Here is a list of companies directly owned by the SpareBank 1 banks: BN Bank ASASpareBank 1 Boligkreditt ASSpareBank 1 Forvaltning ASKredittbanken ASASpareBank 1 Næringskreditt ASSpareBank 1 Markets ASSpareBank 1 Betaling AS

The SpareBank 1 Alliance and LO hold direct stakes in BN Bank, SpareBank 1 Markets, SpareBank 1 Boligkreditt, Bank 1 Oslo Akershus, SpareBank 1 Næringskreditt, and SpareBank 1 Mobilbetaling.