Main figures (Group)
| January-December 2016 | January-December 2015 | |||
| From the income statement | NOKm | % 1) | NOKm | % 1) |
| Net interest | 1,883 | 1.37 | 1,872 | 1.46 |
| Net commission income and other income | 1,674 | 1.22 | 1,545 | 1.20 |
| Net return on financial investments | 944 | 0.69 | 459 | 0.36 |
| Total income | 4,502 | 3.28 | 3,876 | 3.02 |
| Total operating expenses | 2,003 | 1.46 | 1,931 | 1.50 |
| Results before losses | 2,499 | 1.82 | 1,945 | 1.52 |
| Loss on loans, guarantees etc | 516 | 0.38 | 169 | 0.13 |
| Results before tax | 1,983 | 1.45 | 1,776 | 1.38 |
| Tax charge | 341 | 0.25 | 370 | 0.29 |
| Result investment held for sale, after tax | 4 | 0.00 | -1 | 0.00 |
| Net profit | 1,647 | 1.20 | 1,406 | 1.10 |
| Key figures | 31 Dec 2016 | 31 Dec 2015 |
| Profitability | ||
| Return on equity 2) | 11.3 % | 10.7 % |
| Cost-income ratio 3) | 44 % | 50 % |
| Balance sheet figures | ||
| Gross loans to customers | 102,325 | 93,974 |
| Gross loans to customers incl. SB1 Boligkreditt and SB1 Næringskreditt | 137,535 | 127,378 |
| Deposits from customers | 67,168 | 64,090 |
| Deposit-to-loan ratio excl. SB1 Boligkreditt and SB1 Næringskreditt | 66 % | 68 % |
| Deposit-to-loan ratio incl. SB1 Boligkreditt and SB1 Næringskreditt | 49 % | 50 % |
| Growth in loans (gross) last 12 months (incl. SB1 Boligkreditt and SB1 Næringskreditt) | 8.0 % | 5.8 % |
| Growth in deposits last 12 months | 4.8 % | 5.6 % |
| Average total assets | 137,060 | 128,355 |
| Total assets | 138,080 | 131,914 |
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | ||
| Impairment losses ratio | 0.39 % | 0.14 % |
| Non-performing commitm. as a percentage of gross loans 4) | 0.16 % | 0.16 % |
| Other doubtful commitm. as a percentage of gross loans 4) | 1.07 % | 0.31 % |
| Solidity | ||
| Capital adequacy ratio | 19.4 % | 18.3 % |
| Core capital ratio | 17.0 % | 15.6 % |
| Common equity tier 1 ratio | 14.9 % | 13.6 % |
| Core capital | 15,069 | 13,988 |
| Net equity and related capital | 17,185 | 16,378 |
| Liquidity Coverage Ratio (LCR) | 129 % | 118 % |
| Branches and staff | ||
| Number of branches | 48 | 49 |
| No. Of full-time positions | 1,254 | 1,208 |
| Key figures ECC 5) | 31 Dec 2016 | 31 Dec 2015 | 31 Dec 2014 | 31 Dec 2013 | 31 Dec 2012 |
| ECC ratio | 64.0 % | 64.0 % | 64.6 % | 64.6 % | 64.6 % |
| Number of certificates issued, millions | 129.83 | 129.83 | 129.83 | 129.83 | 129.83 |
| ECC share price at end of period (NOK) | 64.75 | 50.50 | 58.50 | 55.00 | 34.80 |
| Stock value (NOKM) | 8,407 | 6,556 | 7,595 | 7,141 | 4,518 |
| Booked equity capital per ECC (including dividend) | 73.26 | 67.65 | 62.04 | 55.69 | 50.09 |
| Profit per ECC, majority | 7.91 | 7.02 | 8.82 | 6.92 | 5.21 |
| Dividend per ECC | 3.00 | 2.25 | 2.25 | 1.75 | 1.50 |
| Price-Earnings Ratio | 8.19 | 7.19 | 6.63 | 7.95 | 6.68 |
| Price-Book Value Ratio | 0.88 | 0.75 | 0.94 | 0.99 | 0.69 |
| 1) Calculated as a percentage of average total assets 2) Net profit as a percentage of average equity 3) Total operating expenses as a percentage of total operating income 4) Defaults and doubtful loans are reported on the basis of gross lending, including loans sold to SpareBank 1 Boligkreditt and SpareBank 1 Næringskreditt, and guarantees drawn 5) The key figures are corrected for issues |
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