| Group in NOKm |
Q3 |
Q2 |
Q1 |
4Q |
3Q |
2Q |
1Q |
4Q |
3Q |
| |
2013 |
2013 |
2013 |
2012 |
2012 |
2012 |
2012 |
2011 |
2011 |
| Profitability |
|
|
|
|
|
|
|
|
|
| Return on equity per quarter |
16.3% |
11.1% |
12.7% |
10.5% |
12.8% |
10.7% |
13.0% |
13.6% |
12.0% |
| Cost-income ratio |
43 % |
51% |
50% |
58% |
51% |
54% |
53% |
53% |
53% |
| |
|
|
|
|
|
|
|
|
|
| Balance sheet |
|
|
|
|
|
|
|
|
|
| Gross loans to customers |
79,842 |
78,976 |
76,425 |
74,943 |
75,357 |
73,595 |
71,681 |
73,105 |
71,570 |
| Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
110,237 |
108,968 |
106,830 |
104,909 |
103,274 |
100,552 |
97,387 |
95,232 |
92,671 |
| Deposits from customers |
53,423 |
55,268 |
52,603 |
52,252 |
50,836 |
51,504 |
48,974 |
47,871 |
46,023 |
| Total assets |
111,977 |
113,190 |
110,769 |
107,975 |
110,605 |
107,780 |
99,031 |
102,479 |
100,007 |
| Average total assets |
112,583 |
111,979 |
109,344 |
109,279 |
109,227 |
103,422 |
100,242 |
100,732 |
99,212 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months |
6.7 % |
8.4 % |
9.7 % |
10.2 % |
11.4 % |
10.6 % |
9.9 % |
8.6 % |
7.7 % |
| Growth in deposits last 12 months |
5.1 % |
7.3 % |
7.4 % |
9.2 % |
10.5 % |
12.0 % |
14.2 % |
11.9 % |
19.1 % |
| |
|
|
|
|
|
|
|
|
|
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
|
|
|
|
|
|
|
|
|
| Impairment losses ratio |
0.04 % |
0.07 % |
0.06 % |
0.06 % |
0.06 % |
0.07 % |
0.04 % |
0.11 % |
0.03 % |
| Non-performing commitm. as a percentage of gross loans |
0.35 % |
0.38 % |
0.36 % |
0.36 % |
0.39 % |
0.34 % |
0.33 % |
0.36 % |
0.36 % |
| Other doubtful commitm. as a percentage of gross loans |
0.19 % |
0.13 % |
0.15 % |
0.14 % |
0.16 % |
0.20 % |
0.19 % |
0.21 % |
0.24 % |
| |
|
|
|
|
|
|
|
|
|
| Solidity |
|
|
|
|
|
|
|
|
|
| Common equity tier 1 |
10.7 % |
10.3 % |
10.4 % |
10.0 % |
9.3 % |
9.5 % |
8.8 % |
8.9 % |
8.8 % |
| Core capital ratio |
12.6 % |
12.2 % |
11.7 % |
11.3 % |
10.6 % |
11.0 % |
10.3 % |
10.4 % |
10.4 % |
| Capital adequacy ratio |
14.2 % |
13.8 % |
13.3 % |
13.3 % |
11.9 % |
12.4 % |
11.8 % |
12.0 % |
12.1 % |
| Core capital |
10,707 |
10,508 |
9,686 |
9,357 |
8,826 |
8,722 |
7,902 |
7,856 |
7,504 |
| Net equity and related capital |
12,053 |
11,894 |
10,971 |
10,943 |
9,891 |
9,900 |
9,008 |
9,055 |
8,675 |
| |
|
|
|
|
|
|
|
|
|
| Key figures ECC *) |
|
|
|
|
|
|
|
|
|
| ECC price |
45.70 |
46.50 |
46.90 |
34.80 |
37.00 |
32.10 |
36.60 |
36.31 |
36.31 |
| Number of certificates issued, millions |
129.83 |
129.83 |
129.83 |
129.83 |
129.83 |
124.21 |
124.21 |
102.76 |
102.76 |
| Booked equity capital per ECC (including dividend) |
53.76 |
51.66 |
50.32 |
50.09 |
49.00 |
47.97 |
46.82 |
48.91 |
47.65 |
| Profit per ECC, majority |
2.18 |
1.43 |
1.55 |
1.29 |
1.54 |
1.22 |
1.41 |
1.65 |
1.42 |
| Price-Earnings Ratio |
5.23 |
8.13 |
7.55 |
6.74 |
6.09 |
6.58 |
6.49 |
5.50 |
6.39 |
| Price-Book Value Ratio |
0.85 |
0.90 |
0.93 |
0.69 |
0.76 |
0.67 |
0.78 |
0.74 |
0.76 |
| *) The key figures are corrected for issues |
