| (NOKm) | 31 Dec 2014 | 31 Dec 2013 |
| ECC capital | 2,597 | 2,597 |
| Dividend equalisation reserve | 3,122 | 2,496 |
| Premium reserve | 895 | 895 |
| Unrealised gains reserve | 90 | 126 |
| A. The equity capital certificate owners' capital | 6,704 | 6,114 |
| Ownerless capital | 3,619 | 3,276 |
| Unrealised gains reserve | 49 | 69 |
| B. The saving bank reserve | 3,668 | 3,345 |
| To be disbursed from gift fund | 160 | 124 |
| Dividend declared | 292 | 227 |
| Equity ex. profit | 10,824 | 9,811 |
| Equity capital certificate ratio A/(A+B) | 64.64 % | 64.64 % |
| Equity capital certificate ratio for distribution | 64.64 % | 64.64 % |