| (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 % |