| Group in NOKm |
2Q |
1Q |
4Q |
3Q |
2Q |
1Q |
4Q |
3Q |
2Q |
| |
2012 |
2012 |
2011 |
2011 |
2011 |
2011 |
2010 |
2010 |
2010 |
| Profitability |
|
|
|
|
|
|
|
|
|
| Return on equity per quarter |
10.7% |
13.0% |
13.6% |
12.0% |
12.9% |
13.2% |
16.6% |
13.9% |
15.5% |
| Cost-income ratio |
54 % |
53 % |
53 % |
53 % |
53 % |
52 % |
44 % |
49 % |
46 % |
| |
|
|
|
|
|
|
|
|
|
| Balance sheet |
|
|
|
|
|
|
|
|
|
| Gross loans to customers |
73,595 |
71,681 |
73,105 |
71,570 |
68,559 |
68,553 |
69,847 |
67,069 |
64,390 |
| Gross loans incl. SB1 Boligkreditt AS and SpareBank 1 Næringskreditt AS |
100,552 |
97,387 |
95,232 |
92,671 |
90,939 |
88,606 |
87,665 |
86,046 |
83,767 |
| Deposits from customers |
51,504 |
48,974 |
47,871 |
46,024 |
45,990 |
42,900 |
42,786 |
38,643 |
41,273 |
| Total assets |
107,815 |
99,030 |
101,455 |
100,009 |
98,503 |
94,486 |
97,997 |
95,327 |
93,883 |
| Average total assets |
103,422 |
100,242 |
100,732 |
99,212 |
96,435 |
96,224 |
96,632 |
94,547 |
89,390 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months |
10.6 % |
9.9 % |
8.6 % |
7.7 % |
8.6 % |
11.4 % |
13.2 % |
12.4 % |
12.6 % |
| Growth in deposits last 12 months |
12.0 % |
14.2 % |
11.9 % |
19.1 % |
11.4 % |
14.1 % |
14.9 % |
2.8 % |
7.8 % |
| |
|
|
|
|
|
|
|
|
|
| Losses and defaults in % of gross loans incl. Boligkreditt and Næringskreditt |
|
|
|
|
|
|
|
|
|
| Impairment losses ratio |
0.07 % |
0.04 % |
0.11 % |
0.03 % |
-0.01 % |
-0.03 % |
0.11 % |
0.05 % |
0.15 % |
| Non-performing commitm. as a percentage of gross loans |
0.34 % |
0.33 % |
0.36 % |
0.36 % |
0.40 % |
0.54 % |
0.57 % |
0.38 % |
0.41 % |
| Other doubtful commitm. as a percentage of gross loans |
0.20 % |
0.19 % |
0.21 % |
0.24 % |
0.20 % |
0.23 % |
0.24 % |
0.84 % |
0.81 % |
| |
|
|
|
|
|
|
|
|
|
| Solidity |
|
|
|
|
|
|
|
|
|
| Capital adequacy ratio |
12.4 % |
11.8 % |
12.0 % |
12.1 % |
12.3 % |
12.5 % |
13,0 % |
12.8 % |
13.2 % |
| Core capital ratio |
11.0 % |
10.3 % |
10.4 % |
10.5 % |
10.7 % |
10.6 % |
10.9 % |
10.6 % |
10.8 % |
| Core capital |
8,722 |
7,902 |
7,856 |
7,504 |
7,394 |
7,330 |
7,286 |
7,033 |
6,960 |
| Net equity and related capital |
9,900 |
9,008 |
9,055 |
8,675 |
8,496 |
8,638 |
8,646 |
8,493 |
8,537 |
| |
|
|
|
|
|
|
|
|
|
| Key figures ECC *) |
|
|
|
|
|
|
|
|
|
| ECC price |
32.10 |
36.60 |
36.31 |
36.31 |
45.18 |
46.19 |
49.89 |
45.27 |
39.45 |
| Number of certificates issued, millions |
124.21 |
124.21 |
102.77 |
102.77 |
102.74 |
102.74 |
102.74 |
102.74 |
102.74 |
| Booked equity capital per ECC (including dividend) |
48.03 |
46.93 |
48.91 |
47.79 |
46.36 |
44.92 |
46.07 |
44.83 |
43.45 |
| Profit per ECC, majority |
1.22 |
1.41 |
1.79 |
1.42 |
1.51 |
1.48 |
1.82 |
1.50 |
1.50 |
| Price-Earnings Ratio |
6.58 |
6.49 |
5.07 |
6.39 |
7.48 |
7.80 |
6.85 |
7.55 |
6.58 |
| Price-Book Value Ratio |
0.67 |
0.78 |
0.74 |
0.75 |
0.96 |
1.03 |
1.07 |
1.02 |
0.91 |
| *) The key figures are corrected for issues |
