| Group (NOKm) |
Q4 |
Q3 |
2Q |
1Q |
4Q |
3Q |
2Q |
1Q |
4Q |
| |
2015 |
2015 |
2015 |
2015 |
2014 |
2014 |
2014 |
2014 |
2013 |
| Profitability |
|
|
|
|
|
|
|
|
|
| Return on equity per quarter |
8.4 % |
7.4 % |
13.4 % |
14.1 % |
12.1% |
14.8 % |
16.0 % |
17.7 % |
13.1 % |
| Cost-income ratio |
54 % |
56 % |
47 % |
44 % |
51 % |
43 % |
43 % |
42 % |
48 % |
| |
|
|
|
|
|
|
|
|
|
| Balance sheet |
|
|
|
|
|
|
|
|
|
| Gross loans to customers |
93,974 |
94,917 |
94,179 |
92,311 |
90,578 |
86,724 |
85,465 |
79,606 |
80,548 |
| Gross loans incl. SB1 Boligkreditt and SB1 Nræringskreditt |
127,378 |
126,180 |
124,519 |
122,933 |
120,435 |
116,464 |
114,819 |
111,800 |
112,283 |
| Deposits from customers |
64,090 |
63,620 |
66,186 |
60,589 |
60,680 |
58,091 |
59,402 |
54,643 |
55,927 |
| Total assets |
131,914 |
129,237 |
130,888 |
123,687 |
126,047 |
117,194 |
118,758 |
111,609 |
115,360 |
| Average total assets |
130,575 |
130,063 |
127,288 |
124,867 |
121,620 |
117,976 |
115,184 |
113,485 |
113,668 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months |
5.8 % |
8.3 % |
8.4 % |
10.0 % |
7.3 % |
5.4 % |
5.1 % |
4.4 % |
6.8 % |
| Growth in deposits last 12 months |
5.6 % |
9.5 % |
11.4 % |
10.9 % |
8.5 % |
8.5 % |
8.5 % |
5.4 % |
7.3 % |
| |
|
|
|
|
|
|
|
|
|
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
|
|
|
|
|
|
|
|
|
| Impairment losses ratio |
0.18 % |
0.18 % |
0.11 % |
0.07 % |
0.11 % |
0.08 % |
0.05 % |
0.06 % |
0.12 % |
| Non-performing commitm. as a percentage of gross loans |
0.13 % |
0.17 % |
0.23 % |
0.19 % |
0.22 % |
0.29 % |
0.29 % |
0.24 % |
0.34 % |
| Other doubtful commitm. as a percentage of gross loans |
0.30 % |
0.36 % |
0.30 % |
0.18 % |
0.18 % |
0.18 % |
0.18 % |
0.21 % |
0.14 % |
| |
|
|
|
|
|
|
|
|
|
| Solidity |
|
|
|
|
|
|
|
|
|
| Common equity tier 1 |
13.6 % |
13.2 % |
12.7 % |
12.3 % |
11.2 % |
11.5 % |
11.4 % |
11.1 % |
11.1 % |
| Core capital ratio |
15.6 % |
15.2 % |
14.6 % |
14.3 % |
13.0 % |
13.4 % |
13.3 % |
12.9 % |
13.0 % |
| Capital adequacy ratio |
18.3 % |
17.9 % |
17.3 % |
17.0 % |
15.7 % |
16.1 % |
15.0 % |
14.8 % |
14.7 % |
| Core capital |
13,988 |
13,451 |
13,142 |
12,713 |
12,382 |
12,302 |
11,635 |
11,303 |
10,989 |
| Net equity and related capital |
16,378 |
15,886 |
15,577 |
15,147 |
14,937 |
14,826 |
13,164 |
12,893 |
12,417 |
| |
|
|
|
|
|
|
|
|
|
| Key figures ECC *) |
|
|
|
|
|
|
|
|
|
| ECC price |
50.50 |
54,00 |
65,50 |
59,50 |
58,50 |
59,25 |
54,25 |
53,75 |
55,00 |
| Number of certificates issued, millions |
129.83 |
129,83 |
129,83 |
129,83 |
129,83 |
129,83 |
129,83 |
129,83 |
129,83 |
| Booked equity capital per ECC (including dividend) |
67.65 |
65,52 |
64,18 |
61,95 |
62,04 |
60,53 |
58,32 |
56,39 |
55,69 |
| Profit per ECC, majority |
1.45 |
1,26 |
2,13 |
2,18 |
1,85 |
2,19 |
2,29 |
2,48 |
1,79 |
| Price-Earnings Ratio |
8.71 |
10,72 |
7,70 |
6,81 |
7,89 |
6,75 |
5,91 |
5,42 |
7,68 |
| Price-Book Value Ratio |
0.74 |
0,82 |
1,02 |
0,96 |
0,94 |
0,98 |
0,93 |
0,95 |
0,99 |
| |
| *) The key figures are corrected for issues |
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