Key figures from quarterly accounts

 

Group in NOKm Q2 Q1 4Q 3Q 2Q 1Q 4Q 3Q 2Q
  2013 2013 2012 2012 2012 2012 2011 2011 2011
Profitability                  
Return on equity per quarter 11.1% 12.7% 10.5% 12.8% 10.7% 13.0% 13.6% 12.0% 12.9%
Cost-income ratio 51 % 50% 58% 51% 54% 53% 53% 53% 53%
                   
Balance sheet                  
Gross loans to customers  78,976 76,425 74,943 75,357 73,595 71,681 73,105 71,570 68,559
Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt 108,968 106,830 104,909 103,274 100,552 97,387 95,232 92,671 90,939
Deposits from customers 55,268 52,603 52,252 50,836 51,504 48,974 47,871 46,023 45,990
Total assets 113,190 110,769 107,975 110,640 107,780 99,031 102,479 100,007 98,503
Average total assets 110,626 109,344 109,279 109,227 103,422 100,242 100,732 99,212 96,435
Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months  8.4 % 9.7 % 10.2 % 11.4 % 10.6 % 9.9 % 8.6 % 7.7 % 8.6 %
Growth in deposits last 12 months 7.3 % 7.4 % 9.2 % 10.5 % 12.0 % 14.2 % 11.9 % 19.1 % 11.4 %
                   
Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt                  
Impairment losses ratio 0.14 % 0.06 % 0.06 % 0.06 % 0.07 % 0.04 % 0.11 % 0.03 % -0.01 %
Non-performing commitm. as a percentage of gross loans 0.38 % 0.36 % 0.36 % 0.39 % 0.34 % 0.33 % 0.36 % 0.36 % 0.40 %
Other doubtful commitm. as a percentage of gross loans 0.13 % 0.15 % 0.14 % 0.16 % 0.20 % 0.19 % 0.21 % 0.24 % 0.20 %
                   
Solidity                  
Common equity tier 1 10.3 % 10.4 % 10.0 % 9.3 % 9.5 % 8.8 % 8.9 % 8.8 % 9.1 %
Core capital ratio 12.2 % 11.7 % 11.3 % 10.6 % 11.0 % 10.3 % 10.4 % 10.4 % 10.7 %
Capital adequacy ratio 13.8 % 13.3 % 13.3 % 11.9 % 12.4 % 11.8 % 12.0 % 12.1 % 12.3 %
Core capital 10,508 9,686 9,357 8,826 8,722 7,902 7,856 7,504 7,394
Net equity and related capital 11,894 10,971 10,943 9,891 9,900 9,008 9,055 8,675 8,496
                   
Key figures ECC *)                  
ECC price  46.50 46.90 34.80 37.00 32.10 36.60 36.31 36.31 45.18
Number of certificates issued, millions 129.83 129.83 129.83 129.83 124.21 124.21 102.76 102.76 102.74
Booked equity capital per ECC (including dividend) 51.66 50.32 50.09 49.00 47.97 46.82 48.91 47.65 46.36
Profit per ECC, majority 1.43 1.55 1.29 1.54 1.22 1.41 1.65 1.42 1.51
Price-Earnings Ratio 8.13 7.55 6.74 6.09 6.58 6.49 5.50 6.39 7.48
Price-Book Value Ratio 0.90 0.93 0.69 0.76 0.67 0.78 0.74 0.76 0.97
*) The key figures are corrected for issues
© SpareBank 1 SMN