Key figures from quarterly accounts
| Group (NOKm) | 1Q | 4Q | 3Q | 2Q | 1Q | 4Q | 3Q | 2Q | 1Q |
| 2020 | 2019 | 2019 | 2019 | 2019 | 2018 | 2018 | 2018 | 2018 | |
| Profitability | |||||||||
| Return on equity per quarter 1) | 5,7% | 7,1% | 10,2% | 14,9% | 23,3% | 9,0% | 11,1% | 17,9% | 11,2% |
| Cost-income ratio 1) | 52 % | 56 % | 50 % | 44 % | 37 % | 55 % | 48 % | 44 % | 50 % |
| Balance sheet figures | |||||||||
| Gross loans to customers | 127.272 | 126.277 | 123.967 | 121.895 | 120.100 | 120.473 | 118.044 | 115.787 | 113.174 |
| Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | 170.771 | 167.777 | 165.380 | 163.627 | 161.091 | 160.317 | 157.825 | 154.790 | 151.065 |
| Deposits from customers | 88.152 | 85.917 | 83.641 | 86.553 | 81.111 | 80.615 | 77.529 | 80.343 | 75.937 |
| Total assets | 185.182 | 166.662 | 166.475 | 167.289 | 164.641 | 160.704 | 159.337 | 159.584 | 152.083 |
| Quarterly average total assets | 175.922 | 166.569 | 166.882 | 165.965 | 162.673 | 160.021 | 159.460 | 155.833 | 152.668 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months 1) | 6,0 % | 6,3 % | 6,8 % | 5,7 % | 6,6 % | 7,8 % | 7,3 % | 7,6 % | 7,9 % |
| Growth in deposits last 12 months | 8,7 % | 10,8 % | 4,1 % | 7,7 % | 6,8 % | 5,4 % | 6,1 % | 6,3 % | 8,2 % |
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | |||||||||
| Impairment losses ratio 1) | 0,73 % | 0,25 % | 0,17 % | 0,14 % | 0,17 % | 0,17 % | 0,18 % | 0,20 % | 0,13 % |
| Non-performing commitm. as a percentage of gross loans 1) | 0,38 % | 0,26 % | 0,26 % | 0,22 % | 0,18 % | 0,19 % | 0,18 % | 0,18 % | 0,19 % |
| Other doubtful commitm. as a percentage of gross loans 1) | 1,23 % | 1,00 % | 1,03 % | 1,00 % | 0,99 % | 0,86 % | 0,86 % | 0,95 % | 0,90 % |
| Solidity 2) | |||||||||
| Common equity Tier 1 capital ratio | 16,3 % | 17,2 % | 15,1 % | 15,0 % | 14,8 % | 14,6 % | 14,9 % | 15,0 % | 14,6 % |
| Tier 1 capital ratio | 18,0 % | 19,3 % | 16,7 % | 16,6 % | 16,4 % | 16,3 % | 16,7 % | 17,0 % | 16,3 % |
| Capital ratio | 20,1 % | 21,6 % | 18,9 % | 18,8 % | 18,6 % | 18,5 % | 19,2 % | 19,0 % | 18,2 % |
| Tier 1 capital | 17.792 | 17.742 | 17.417 | 17.284 | 16.775 | 16.472 | 16.542 | 16.488 | 15.697 |
| Total eligible capital | 19.879 | 19.854 | 19.765 | 19.634 | 19.115 | 18.743 | 18.969 | 18.418 | 17.518 |
| Liquidity Coverage Ratio (LCR) | 185 % | 148 % | 181 % | 165 % | 180 % | 183 % | 150 % | 150 % | 162 % |
| Leverage Ratio | 6,9 % | 7,5 % | 7,4 % | 7,5 % | 7,4 % | 7,4 % | 7,5 % | 7,4 % | 7,3 % |
| Key figures ECC | |||||||||
| ECC share price at end of period (NOK) | 67,60 | 100,20 | 98,50 | 97,70 | 87,40 | 84,20 | 90,90 | 84,50 | 80,90 |
| Number of certificates issued, millions 1) | 129,22 | 129,30 | 129,48 | 129,66 | 129,41 | 129,62 | 129,44 | 129,31 | 129,38 |
| Booked equity capital per ECC (including dividend) 1) | 86,85 | 90,75 | 89,36 | 87,04 | 83,86 | 83,87 | 82,57 | 80,21 | 76,53 |
| Profit per ECC, majority 1) | 1,26 | 1,60 | 2,30 | 3,21 | 5,02 | 1,90 | 2,32 | 3,54 | 2,21 |
| Price-Earnings Ratio 1) | 13,46 | 15,67 | 10,69 | 7,61 | 4,35 | 11,05 | 9,77 | 5,97 | 9,16 |
| Price-Book Value Ratio 1) | 0,78 | 1,10 | 1,10 | 1,12 | 1,04 | 1,00 | 1,10 | 1,05 | 1,06 |
| 1) Defined as alternative performance measures, see attachment to the quarterly report 2) Comparables have not been restated since revised distribution of profit for 2019.
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