| Group in NOKm |
4Q |
3Q |
2Q |
1Q |
4Q |
3Q |
2Q |
1Q |
4Q |
| |
2012 |
2012 |
2011 |
2011 |
2011 |
2011 |
2010 |
2010 |
2010 |
| Profitability |
|
|
|
|
|
|
|
|
|
| Return on equity per quarter |
10,5% |
12,8% |
10,7% |
13,0% |
13,6% |
12,0% |
12,9% |
13,2% |
16,6% |
| Cost-income ratio |
58 % |
51% |
54% |
54% |
57% |
53% |
53% |
52% |
43% |
| |
|
|
|
|
|
|
|
|
|
| Balance sheet |
|
|
|
|
|
|
|
|
|
| Gross loans to customers |
74.943 |
75.357 |
73.595 |
71.681 |
73.105 |
71.570 |
68.559 |
68.553 |
69.847 |
| Gross loans incl. SB1 Boligkreditt AS and SpareBank 1 Næringskreditt AS |
104.909 |
103.274 |
100.552 |
97.387 |
95.232 |
92.671 |
45.990 |
42.900 |
87.665 |
| Deposits from customers |
52.252 |
50.836 |
51.504 |
48.974 |
47.871 |
46.023 |
90.939 |
88.606 |
42.786 |
| Total assets |
107.919 |
110.640 |
107.815 |
99.030 |
101.455 |
100.007 |
98.503 |
94.486 |
97.997 |
| Average total assets |
109.279 |
109.227 |
103.422 |
100.242 |
100.732 |
99.212 |
96.435 |
96.224 |
96.632 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months |
10,2 % |
11,4 % |
10,6 % |
9,9 % |
8,6 % |
7,7 % |
8,6 % |
11,4 % |
13,2 % |
| Growth in deposits last 12 months |
9,2 % |
10,5 % |
12,0 % |
14,2 % |
11,9 % |
19,1 % |
11,4 % |
14,1 % |
14,9 % |
| |
|
|
|
|
|
|
|
|
|
| Losses and defaults in % of gross loans incl. Boligkreditt and Næringskreditt |
|
|
|
|
|
|
|
|
|
| Impairment losses ratio |
0,06 % |
0,06 % |
0,07 % |
0,04 % |
0,11 % |
0,03 % |
-0,01 % |
-0,03 % |
0,11 % |
| Non-performing commitm. as a percentage of gross loans |
0,36 % |
0,39 % |
0,34 % |
0,33 % |
0,36 % |
0,36 % |
0,40 % |
0,54 % |
0,57 % |
| Other doubtful commitm. as a percentage of gross loans |
0,14 % |
0,16 % |
0,20 % |
0,19 % |
0,21 % |
0,24 % |
0,20 % |
0,23 % |
0,24 % |
| |
|
|
|
|
|
|
|
|
|
| Solidity |
|
|
|
|
|
|
|
|
|
| Capital adequacy ratio |
13,3 % |
11,9 % |
12,4 % |
11,8 % |
12,0 % |
12,1 % |
12,3 % |
12,5 % |
13,0 % |
| Core capital ratio |
11,3 % |
10,6 % |
11,0 % |
10,3 % |
10,4 % |
10,4 % |
10,7 % |
10,6 % |
10,9 % |
| Core capital |
9.357 |
8.826 |
8.722 |
7.902 |
7.856 |
7.504 |
7.394 |
7.330 |
7.286 |
| Net equity and related capital |
10.943 |
9.891 |
9.900 |
9.008 |
9.055 |
8.675 |
8.496 |
8.638 |
8.646 |
| |
|
|
|
|
|
|
|
|
|
| Key figures ECC *) |
|
|
|
|
|
|
|
|
|
| ECC price |
34,80 |
37,00 |
32,10 |
36,60 |
36,31 |
36,31 |
45,18 |
46,19 |
49,89 |
| Number of certificates issued, millions |
129,83 |
129,83 |
124,21 |
124,21 |
102,76 |
102,76 |
102,74 |
102,74 |
102,74 |
| Booked equity capital per ECC (including dividend) |
50,09 |
49,00 |
47,97 |
46,82 |
48,91 |
47,65 |
46,36 |
44,96 |
46,17 |
| Profit per ECC, majority |
1,29 |
1,54 |
1,22 |
1,41 |
1,65 |
1,42 |
1,51 |
1,48 |
1,84 |
| Price-Earnings Ratio |
6,74 |
6,09 |
6,58 |
6,49 |
5,50 |
6,39 |
7,48 |
7,80 |
6,78 |
| Price-Book Value Ratio |
0,69 |
0,76 |
0,67 |
0,78 |
0,74 |
0,76 |
0,97 |
1,03 |
1,08 |
| *) The key figures are corrected for issues |
