3rd quarter 2013

Accounts for the nine months ended 30 September 2013

(Consolidated figures. Figures in parentheses refer to the same period of 2012 unless otherwise stated)

• Profit before tax: NOK 1,282m (1,053m)
• Net profit: NOK 1,038m (816m)
• Return on equity: 13.3 per cent (12.1 per cent)
• 12-month growth in lending: 6.7 per cent (11.4 per cent), in deposits: 5.1 per cent (10.5 per cent)
• Loan losses: NOK 68m (42m)
• Common equity tier 1 (CET1) ratio: 10.7 per cent (9.3 per cent)
• Earnings per EC: NOK 5.13 (3.99)

Third quarter 2013 in isolation

• Profit before tax: NOK 501m (392m)
• Net profit: NOK 433m (306m)
• Return on equity: 16.3 per cent (12.8 per cent)
• Loan losses: NOK 30m (16m)
• Earnings per EC: NOK 2.18 (1.54)