Pre-tax profit: NOK 3,081m (2,450m)

• Post-tax profit: NOK 2,563m (2,090m)
• Return on equity: 13.7 per cent (12.2 per cent)
• CET1 ratio: 17.2 per cent (14.6 per cent)
• Growth in lending: 4.7 per cent (7.8 per cent) and in deposits: 6.6 per cent (5.4 per cent) over the last 12 months
• Growth in lending to retail borrowers was 6.4 per cent over per cent the last 12 months (9.6 per cent), and retail loans account for 69 per cent (67 per cent) of total lending
• Growth in lending to corporate borrowers was 1.1 per cent in the last 12 months (4.2 per cent)
• Losses on loans and guarantees: NOK 299m (263m) or 0.18 per cent (0.17 per cent) of total lending
• Earnings per EC: NOK 12.14 (9.97). Book value per EC: NOK 90.75 (83.87)

Results and events in the fourth quarter of 2019

• Pre-tax profit: NOK 469m (513m)
• Post-tax profit: NOK 346m (401m)
• Return on equity: 7.1 per cent (9.0 per cent)
• Growth in lending: 1.4 per cent (1.6 per cent) and in deposits: 2.7 per cent (4.0 per cent)
• Lending to retail borrowers rose by 2.0 per cent in the quarter (1.4 per cent), 0.5 percentage points higher than in the third quarter. Lending to corporate borrowers rose by 0.3 per cent (1.9 per cent) which was 0.1 percentage point higher than in the third quarter.
• Net result of ownership interests: NOK 8m (130m)
• Net result of financial instruments: NOK 8m (minus 37m)
• Losses on loans: NOK 103m (67m), 0.25 per cent (0.18 per cent) of gross lending
• Earnings per EC: NOK 1.60 (1.90)