3rd quarter 2019

Third quarter 2019 in isolation

  • Pre-tax profit: NOK 609m (592m)
  • Post-tax profit: NOK 488m (480m)
  • Return on equity: 10.2 per cent (11.1 per cent)
  • Growth in lending: 1.1 per cent (2.0 per cent), and decline in deposits: 3.4 per cent (3.5 per cent decline) 
  • Growth in lending to retail borrowers: 1.5 per cent (2.4 per cent), 0.7 percentage points lower than in the second quarter. Growth in lending to corporate borrowers: 0.2 per cent (1.0 per cent) - 0.1 percentage point lower than in the second quarter
  • Net result of financial instruments: NOK 121m (182m)
  • Losses on loans: NOK 71m (69m), 0.17 per cent (0.18 per cent) of gross lending
  • Earnings per EC: NOK 2.30 (2.32)

Year to date 30 September 2019

  • Pre-tax profit: NOK 2,612m (1,937m)
  • Post-tax profit: NOK 2,217 (1,689m)
  • Return on equity: 16.0 per cent (13.3 per cent)
  • CET1 ratio: 15.1 per cent (14.9 per cent)
  • Growth in lending: 4.8 per cent (7.3 per cent), and in deposits: 7.9 per cent (6.1 per cent) in the last 12 months
  • Growth in lending to retail borrowers: 5.8 per cent in the last 12 months (10.7 per cent). Retail lending accounts for 68 per cent (68 per cent) of overall lending
  • Growth in lending to corporate borrowers of 2.8 per cent  in the last 12 months (0.8 per cent)
  • Losses on loans and guarantees: NOK 198m (196m), 0.16 per cent (0.17 per cent) of gross lending
  • Earnings per EC: NOK 10.54 (8.07). Book value per EC: NOK 89.36 (82.57)
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Avkastning-Resultat_3_2019_ENG
Kjernekapital_3_2019_ENG
Utlan-Innskudd_3_2019_ENG

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