| Group (NOKm) |
4Q |
3Q |
2Q |
1Q |
4Q |
3Q |
2Q |
1Q |
4Q |
| |
2017 |
2017 |
2017 |
2017 |
2016 |
2016 |
2016 |
2016 |
2015 |
| Profitability |
|
|
|
|
|
|
|
|
|
| Return on equity per quarter *) |
13.4% |
12.5% |
10.5% |
9.4% |
12.2% |
11.3% |
12.9% |
8.9% |
8.4% |
| Cost-income ratio*) |
45 % |
45 % |
50 % |
51 % |
42 % |
44 % |
44 % |
46 % |
53 % |
| |
|
|
|
|
|
|
|
|
|
| Balance sheet figures |
|
|
|
|
|
|
|
|
|
| Gross loans to customers |
112,071 |
110,695 |
107,358 |
104,117 |
102,325 |
99,569 |
97,790 |
95,331 |
93,974 |
| Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
148,784 |
147,146 |
143,800 |
140,038 |
137,535 |
134,462 |
132,583 |
129,520 |
127,378 |
| Deposits from customers |
76,476 |
73,086 |
75,559 |
70,176 |
67,168 |
66,290 |
67,031 |
63,851 |
64,090 |
| Total assets |
153,254 |
146,913 |
149,449 |
142,042 |
138,080 |
139,815 |
141,145 |
134,345 |
131,914 |
| Average total assets |
150,083 |
148,181 |
145,746 |
140,061 |
138,948 |
140,480 |
137,745 |
133,129 |
130,575 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months *) |
8.2 % |
9.4 % |
8.5 % |
8.1 % |
8.0 % |
6.6 % |
6.5 % |
5.4 % |
5.8 % |
| Growth in deposits last 12 months*) |
13.9 % |
10.3 % |
12.7 % |
9.9 % |
4.8 % |
4.2 % |
1.3 % |
5.4 % |
5.6 % |
| |
|
|
|
|
|
|
|
|
|
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt |
|
|
|
|
|
|
|
|
|
| Impairment losses ratio*) |
0.22 % |
0.24 % |
0.24 % |
0.26 % |
0.28 % |
0.39 % |
0.36 % |
0.53 % |
0.18 % |
| Non-performing commitm. as a percentage of gross loans*) |
0.19 % |
0.18 % |
0.18 % |
0.15 % |
0.16 % |
0.16 % |
0.19 % |
0.16 % |
0.16 % |
| Other doubtful commitm. as a percentage of gross loans*) |
0.80 % |
0.83 % |
0.80 % |
0.77 % |
1.07 % |
1.01 % |
0.90 % |
0.32 % |
0.31 % |
| |
|
|
|
|
|
|
|
|
|
| Solidity |
|
|
|
|
|
|
|
|
|
| Common equity tier 1 |
14.9 % |
14.7 % |
15.0 % |
14.8 % |
14.9 % |
14.3 % |
14.1 % |
13.6 % |
13.6 % |
| Core capital ratio |
16.9 % |
16.6 % |
16.9 % |
16.8 % |
17.0 % |
16.3 % |
16.1 % |
15.6 % |
15.6 % |
| Capital adequacy ratio |
19.0 % |
19.1 % |
19.1 % |
19.0 % |
19.4 % |
18.8 % |
18.7 % |
18.1 % |
18.3 % |
| Core capital |
15,824 |
15,807 |
15,622 |
15,254 |
15,069 |
14,736 |
14,604 |
14,237 |
13,988 |
| Net equity and related capital |
17,746 |
18,093 |
17,649 |
17,288 |
17,185 |
17,011 |
16,882 |
16,516 |
16,378 |
| Liquidity Coverage Ratio (LCR) |
164 % |
124 % |
160 % |
136 % |
129 % |
138 % |
149 % |
110 % |
118 % |
| Leverage Ratio |
7.2 % |
7.5 % |
7.2 % |
7.4 % |
7.4 % |
7.1 % |
6.8 % |
6.8 % |
6.7 % |
| |
|
|
|
|
|
|
|
|
|
| Key figures ECC *) |
|
|
|
|
|
|
|
|
|
| ECC share price at end of period (NOK) |
82.25 |
81.25 |
71.75 |
66.50 |
64.75 |
55.75 |
46.70 |
52.75 |
50.50 |
| Number of certificates issued, millions*) |
129.38 |
129.40 |
129.54 |
129.48 |
129.64 |
129.66 |
129.47 |
129.47 |
129.43 |
| Booked equity capital per ECC (including dividend)*) |
78.81 |
79.18 |
75.40 |
72.31 |
73.35 |
74.71 |
71.53 |
68.38 |
67.39 |
| Profit per ECC, majority*) |
2.63 |
2.42 |
1.92 |
1.74 |
2.21 |
2.00 |
2.22 |
1.50 |
1.43 |
| Price-Earnings Ratio*) |
7.81 |
8.40 |
9.32 |
9.58 |
7.32 |
6.97 |
5.26 |
8.81 |
8.80 |
| Price-Book Value Ratio*) |
1.04 |
1.03 |
0.95 |
0.92 |
0.88 |
0.75 |
0.65 |
0.77 |
0.75 |
| |
|
|
|
|
|
|
|
|
|
| *) Defined as alternative performance measures, see attachment to the quarterly report. |
