Key figures from quarterly accounts

Group in NOKm 3Q 2Q 1Q 4Q 3Q 2Q 1Q 4Q 3Q
  2011 2011 2011 2010 2010 2010 2010 2009 2009
Profitability                  
Return on equity per quarter 12.0% 12.9% 13.2% 16.6% 13.9% 15.5% 12.1% 16.5% 29.4%
Cost-income ratio 53 % 53 % 52 % 44 % 49 % 46 % 39 % 48 % 37 %
                   
Balance sheet                  
Gross loans to customers  71,570 68,559 68,553 69,847 67,069 64,390 61,886 61,782 63,792
Gross loans incl. SB1 Boligkreditt AS 92,671 90,939 88,606 87,665 86,046 83,767 79,560 77,429 76,549
Deposits from customers 46,024 45,990 42,900 42,786 38,643 41,273 37,606 37,227 37,586
Total assets 100,009 98,415 94,455 97,992 95,271 93,823 84,957 84,541 89,602
Average total assets 99,212 96,435 96,224 96,632 94,547 89,390 84,749 87,072 89,659
Growth in loans incl. SB1 Boligkreditt last 12 months  7.7 % 8.6 % 11.4 % 13.2 % 12.4 % 12.6 % 10.0 % 8.6 % 10.0 %
Growth in deposits last 12 months 19.1 % 11.4 % 14.1 % 14.9 % 2.8 % 7.8 % 4.8 % 5.5 % 5.4 %
                   
Losses and defaults in % of gross loans incl. Boligkreditt                  
Impairment losses ratio 0.03 % -0.01 % -0.03 % 0.11 % 0.05 % 0.15 % 0.33 % 0.20 % 0.29 %
Non-performing commitm. as a percentage of gross loans 0.36 % 0.40 % 0.54 % 0.57 % 0.38 % 0.41 % 0.42 % 0.49 % 0.94 %
Other doubtful commitm. as a percentage of gross loans 0.24 % 0.20 % 0.23 % 0.24 % 0.84 % 0.81 % 0.87 % 0.57 % 0.73 %
                   
Solidity                  
Capital adequacy ratio 12.07 % 12.31 % 12.48 % 12.97 % 12.83 % 13.20 % 13.47 % 13.56 % 13.86 %
Core capital ratio 10.45 % 10.71 % 10.59 % 10.93 % 10.62 % 10.76 % 11.01 % 10.45 % 10.59 %
Core capital 7,504 7,394 7,330 7,286 7,033 6,960 6,880 6,730 6,546
Net equity and related capital 8,675 8,496 8,638 8,646 8,493 8,537 8,418 8,730 8,563
                   
Key figures ECC *)                  
ECC price  39.30 48.90 50.00 54.00 49.00 42.30 48.00 49.02 44.02
Number of certificates issued, millions 94.92 94.90 94.90 94.90 94.89 94.89 94.91 69.43 69.43
Booked equity capital per ECC (including dividend) 52.49 51.05 49.34 50.60 48.13 46.65 45.21 44.89 43.58
Profit per ECC 1.55 1.62 1.65 2.05 1.61 1.68 1.09 1.85 2.99
Price-Earnings Ratio 6.33 7.55 7.59 6.57 7.41 6.28 11.04 6.63 3.68
Price-Book Value Ratio 0.75 0.96 1.01 1.07 1.02 0.91 1.06 1.09 1.01

*) The key figures are corrected for issues. No change in the number of ECCs

 

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