| Group (NOKm) |
4Q |
3Q |
2Q |
1Q |
4Q |
3Q |
2Q |
1Q |
4Q |
| |
2016 |
2016 |
2016 |
2016 |
2015 |
2015 |
2015 |
2015 |
2014 |
| Profitability |
|
|
|
|
|
|
|
|
|
| Return on equity per quarter |
12.2% |
11.3% |
12.9% |
8.9% |
8.4% |
7.4% |
13.4% |
14.1% |
12.1% |
| Cost-income ratio |
43 % |
44 % |
44 % |
47 % |
54 % |
56 % |
47 % |
44 % |
51 % |
| |
|
|
|
|
|
|
|
|
|
| Balance sheet figures |
|
|
|
|
|
|
|
|
|
| Gross loans to customers |
102,325 |
99,569 |
97,790 |
95,331 |
93,974 |
94,917 |
94,179 |
92,311 |
90,578 |
| Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
137,535 |
134,462 |
132,583 |
129,520 |
127,378 |
126,180 |
124,519 |
122,933 |
120,435 |
| Deposits from customers |
67,168 |
66,290 |
67,031 |
63,851 |
64,090 |
63,620 |
66,186 |
60,589 |
60,680 |
| Total assets |
138,080 |
139,815 |
141,145 |
134,345 |
131,914 |
129,237 |
130,888 |
123,687 |
126,047 |
| Average total assets |
138,948 |
140,480 |
137,745 |
133,129 |
130,575 |
130,063 |
127,288 |
124,867 |
121,620 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months |
8.0 % |
6.6 % |
6.5 % |
5.4 % |
5.8 % |
8.3 % |
8.4 % |
10.0 % |
7.3 % |
| Growth in deposits last 12 months |
4.8 % |
4.2 % |
1.3 % |
5.4 % |
5.6 % |
9.5 % |
11.4 % |
10.9 % |
8.5 % |
| |
|
|
|
|
|
|
|
|
|
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
|
|
|
|
|
|
|
|
|
| Impairment losses ratio |
0.29 % |
0.39 % |
0.36 % |
0.53 % |
0.18 % |
0.18 % |
0.11 % |
0.07 % |
0.11 % |
| Non-performing commitm. as a percentage of gross loans |
0.16 % |
0.16 % |
0.19 % |
0.16 % |
0.16 % |
0.17 % |
0.23 % |
0.19 % |
0.22 % |
| Other doubtful commitm. as a percentage of gross loans 4) |
1.07 % |
1.01 % |
0.90 % |
0.32 % |
0.31 % |
0.36 % |
0.30 % |
0.18 % |
0.18 % |
| |
|
|
|
|
|
|
|
|
|
| Solidity |
|
|
|
|
|
|
|
|
|
| Common equity tier 1 |
14.9 % |
14.3 % |
14.1 % |
13.6 % |
13.6 % |
13.2 % |
12.7 % |
12.3 % |
11.2 % |
| Core capital ratio |
17.0 % |
16.3 % |
16.1 % |
15.6 % |
15.6 % |
15.2 % |
14.6 % |
14.3 % |
13.0 % |
| Capital adequacy ratio |
19.4 % |
18.8 % |
18.7 % |
18.1 % |
18.3 % |
17.9 % |
17.3 % |
17.0 % |
15.7 % |
| Core capital |
15,069 |
14,736 |
14,604 |
14,237 |
13,988 |
13,451 |
13,142 |
12,713 |
12,382 |
| Net equity and related capital |
17,185 |
17,011 |
16,882 |
16,516 |
16,378 |
15,886 |
15,577 |
15,147 |
14,937 |
| Liquidity Coverage Ratio (LCR) |
115 % |
122 % |
123 % |
107 % |
107 % |
81 % |
79 % |
66 % |
85 % |
| |
|
|
|
|
|
|
|
|
|
| Key figures ECC *) |
|
|
|
|
|
|
|
|
|
| ECC share price at end of period (NOK) |
64.75 |
55.75 |
46.70 |
52.75 |
50.50 |
54.00 |
65.50 |
59.50 |
58.50 |
| 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) |
73.26 |
71.17 |
69.18 |
67.37 |
67.65 |
65.52 |
64.18 |
61.95 |
62.04 |
| Profit per ECC, majority |
2.21 |
2.00 |
2.21 |
1.49 |
1.45 |
1.26 |
2.13 |
2.18 |
1.85 |
| Price-Earnings Ratio |
7.34 |
6.98 |
5.27 |
8.83 |
8.71 |
10.72 |
7.70 |
6.81 |
7.89 |
| Price-Book Value Ratio |
0.88 |
0.78 |
0.68 |
0.78 |
0.75 |
0.82 |
1.02 |
0.96 |
0.94 |
| |
|
|
|
|
|
|
|
|
|
| *) The key figures are corrected for issues |
