Key figures from quarterly accounts

Group (NOKm) 3Q 2Q 1Q 4Q 3Q 2Q 1Q 4Q 3Q
  2017 2017 2017 2016 2016 2016 2016 2015 2015
Profitability                  
Return on equity per quarter 12.5% 10.5% 9.4% 12.2% 11.3% 12.9% 8.9% 8.4% 7.4%
Cost-income ratio 46 % 50 % 51 % 43 % 44 % 44 % 47 % 54 % 56 %
                   
Balance sheet figures                  
Gross loans to customers  110,695 107,358 104,117 102,325 99,569 97,790 95,331 93,974 94,917
Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt 147,146 143,800 140,038 137,535 134,462 132,583 129,520 127,378 126,180
Deposits from customers 73,086 75,559 70,176 67,168 66,290 67,031 63,851 64,090 63,620
Total assets 146,913 149,449 142,042 138,080 139,815 141,145 134,345 131,914 129,237
Average total assets 148,181 145,746 140,061 138,948 140,480 137,745 133,129 130,575 130,063
Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months  9.4 % 8.5 % 8.1 % 8.0 % 6.6 % 6.5 % 5.4 % 5.8 % 8.3 %
Growth in deposits last 12 months 10.3 % 12.7 % 9.9 % 4.8 % 4.2 % 1.3 % 5.4 % 5.6 % 9.5 %
                   
Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt                  
Impairment losses ratio 0.24 % 0.24 % 0.26 % 0.29 % 0.39 % 0.36 % 0.53 % 0.18 % 0.18 %
Non-performing commitm. as a percentage of gross loans 0.18 % 0.18 % 0.15 % 0.16 % 0.16 % 0.19 % 0.16 % 0.16 % 0.17 %
Other doubtful commitm. as a percentage of gross loans 4) 0.83 % 0.80 % 0.77 % 1.07 % 1.01 % 0.90 % 0.32 % 0.31 % 0.36 %
                   
Solidity                  
Common equity tier 1 14.7 % 15.0 % 14.8 % 14.9 % 14.3 % 14.1 % 13.6 % 13.6 % 13.2 %
Core capital ratio 16.6 % 16.9 % 16.8 % 17.0 % 16.3 % 16.1 % 15.6 % 15.6 % 15.2 %
Capital adequacy ratio 19.1 % 19.1 % 19.0 % 19.4 % 18.8 % 18.7 % 18.1 % 18.3 % 17.9 %
Core capital 15,807 15,622 15,254 15,069 14,736 14,604 14,237 13,988 13,451
Net equity and related capital 18,093 17,649 17,288 17,185 17,011 16,882 16,516 16,378 15,886
Liquidity Coverage Ratio (LCR) 124 % 160 % 136 % 129 % 138 % 149 % 110 % 118 % 76 %
Leverage Ratio 7.5 % 7.2 % 7.4 % 7.4 % 7.1 % 6.8 % 6.8 % 6.7 % 6.7 %
                   
Key figures ECC                  
ECC share price at end of period (NOK) 81.25 71.75 66.50 64.75 55.75 46.70 52.75 50.50 54.00
Number of certificates issued, millions 129.83 129.83 129.83 129.83 129.83 129.83 129.83 129.83 129.83
Booked equity capital per ECC (including dividend) 76.21 73.85 72.03 73.26 71.17 69.18 67.37 67.65 65.52
Profit per ECC, majority 2.41 1.92 1.73 2.21 2.00 2.21 1.49 1.45 1.26
Price-Earnings Ratio 8.42 9.34 9.59 7.34 6.98 5.27 8.83 8.71 10.72
Price-Book Value Ratio 1.07 0.97 0.92 0.88 0.78 0.68 0.78 0.75 0.82
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