| Group (NOKm) |
3Q |
2Q |
1Q |
4Q |
3Q |
2Q |
1Q |
4Q |
3Q |
| |
2017 |
2017 |
2017 |
2016 |
2016 |
2016 |
2016 |
2015 |
2015 |
| Profitability |
|
|
|
|
|
|
|
|
|
| Return on equity per quarter |
12.5% |
10.5% |
9.4% |
12.2% |
11.3% |
12.9% |
8.9% |
8.4% |
7.4% |
| Cost-income ratio |
46 % |
50 % |
51 % |
43 % |
44 % |
44 % |
47 % |
54 % |
56 % |
| |
|
|
|
|
|
|
|
|
|
| Balance sheet figures |
|
|
|
|
|
|
|
|
|
| Gross loans to customers |
110,695 |
107,358 |
104,117 |
102,325 |
99,569 |
97,790 |
95,331 |
93,974 |
94,917 |
| Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
147,146 |
143,800 |
140,038 |
137,535 |
134,462 |
132,583 |
129,520 |
127,378 |
126,180 |
| Deposits from customers |
73,086 |
75,559 |
70,176 |
67,168 |
66,290 |
67,031 |
63,851 |
64,090 |
63,620 |
| Total assets |
146,913 |
149,449 |
142,042 |
138,080 |
139,815 |
141,145 |
134,345 |
131,914 |
129,237 |
| Average total assets |
148,181 |
145,746 |
140,061 |
138,948 |
140,480 |
137,745 |
133,129 |
130,575 |
130,063 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months |
9.4 % |
8.5 % |
8.1 % |
8.0 % |
6.6 % |
6.5 % |
5.4 % |
5.8 % |
8.3 % |
| Growth in deposits last 12 months |
10.3 % |
12.7 % |
9.9 % |
4.8 % |
4.2 % |
1.3 % |
5.4 % |
5.6 % |
9.5 % |
| |
|
|
|
|
|
|
|
|
|
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
|
|
|
|
|
|
|
|
|
| Impairment losses ratio |
0.24 % |
0.24 % |
0.26 % |
0.29 % |
0.39 % |
0.36 % |
0.53 % |
0.18 % |
0.18 % |
| Non-performing commitm. as a percentage of gross loans |
0.18 % |
0.18 % |
0.15 % |
0.16 % |
0.16 % |
0.19 % |
0.16 % |
0.16 % |
0.17 % |
| Other doubtful commitm. as a percentage of gross loans 4) |
0.83 % |
0.80 % |
0.77 % |
1.07 % |
1.01 % |
0.90 % |
0.32 % |
0.31 % |
0.36 % |
| |
|
|
|
|
|
|
|
|
|
| Solidity |
|
|
|
|
|
|
|
|
|
| Common equity tier 1 |
14.7 % |
15.0 % |
14.8 % |
14.9 % |
14.3 % |
14.1 % |
13.6 % |
13.6 % |
13.2 % |
| Core capital ratio |
16.6 % |
16.9 % |
16.8 % |
17.0 % |
16.3 % |
16.1 % |
15.6 % |
15.6 % |
15.2 % |
| Capital adequacy ratio |
19.1 % |
19.1 % |
19.0 % |
19.4 % |
18.8 % |
18.7 % |
18.1 % |
18.3 % |
17.9 % |
| Core capital |
15,807 |
15,622 |
15,254 |
15,069 |
14,736 |
14,604 |
14,237 |
13,988 |
13,451 |
| Net equity and related capital |
18,093 |
17,649 |
17,288 |
17,185 |
17,011 |
16,882 |
16,516 |
16,378 |
15,886 |
| Liquidity Coverage Ratio (LCR) |
124 % |
160 % |
136 % |
129 % |
138 % |
149 % |
110 % |
118 % |
76 % |
| Leverage Ratio |
7.5 % |
7.2 % |
7.4 % |
7.4 % |
7.1 % |
6.8 % |
6.8 % |
6.7 % |
6.7 % |
| |
|
|
|
|
|
|
|
|
|
| Key figures ECC |
|
|
|
|
|
|
|
|
|
| ECC share price at end of period (NOK) |
81.25 |
71.75 |
66.50 |
64.75 |
55.75 |
46.70 |
52.75 |
50.50 |
54.00 |
| 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) |
76.21 |
73.85 |
72.03 |
73.26 |
71.17 |
69.18 |
67.37 |
67.65 |
65.52 |
| Profit per ECC, majority |
2.41 |
1.92 |
1.73 |
2.21 |
2.00 |
2.21 |
1.49 |
1.45 |
1.26 |
| Price-Earnings Ratio |
8.42 |
9.34 |
9.59 |
7.34 |
6.98 |
5.27 |
8.83 |
8.71 |
10.72 |
| Price-Book Value Ratio |
1.07 |
0.97 |
0.92 |
0.88 |
0.78 |
0.68 |
0.78 |
0.75 |
0.82 |
