Key figures from quarterly accounts
| Group (NOKm) | 4Q | 3Q | 2Q | 1Q | 4Q | 3Q | 2Q | 1Q | 4Q |
| 2020 | 2020 | 2020 | 2020 | 2019 | 2019 | 2019 | 2019 | 2018 | |
| Profitability | |||||||||
| Return on equity per quarter 1) | 8.9% | 10.5% | 15.1% | 5.7% | 7.1% | 10.2% | 14.9% | 23.3% | 9.0% |
| Cost-income ratio 1) | 51 % | 45 % | 41 % | 52 % | 56 % | 50 % | 44 % | 37 % | 55 % |
| Balance sheet figures | |||||||||
| Gross loans to customers | 134,648 | 133,640 | 130,627 | 127,272 | 126,277 | 123,967 | 121,895 | 120,100 | 120,473 |
| Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | 182,801 | 179,423 | 175,100 | 170,771 | 167,777 | 165,380 | 163,627 | 161,091 | 160,317 |
| Deposits from customers | 97,529 | 95,391 | 94,289 | 88,152 | 85,917 | 83,641 | 86,553 | 81,111 | 80,615 |
| Total assets | 187,912 | 186,900 | 190,484 | 185,182 | 166,662 | 166,475 | 167,289 | 164,641 | 160,704 |
| Quarterly average total assets | 187,406 | 188,692 | 187,833 | 175,922 | 166,569 | 166,882 | 165,965 | 162,673 | 160,021 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months 1) | 9.0 % | 8.5 % | 7.0 % | 6.0 % | 6.3 % | 6.8 % | 5.7 % | 6.6 % | 7.8 % |
| Growth in deposits last 12 months | 13.5 % | 14.0 % | 8.9 % | 8.7 % | 10.8 % | 4.1 % | 7.7 % | 6.8 % | 5.4 % |
| Losses and defaults in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | |||||||||
| Impairment losses ratio 1) | 0.54 % | 0.52 % | 0.39 % | 0.73 % | 0.25 % | 0.17 % | 0.14 % | 0.17 % | 0.17 % |
| Non-performing commitm. as a percentage of gross loans 1) | 0.25 % | 0.27 % | 0.39 % | 0.38 % | 0.26 % | 0.26 % | 0.22 % | 0.18 % | 0.19 % |
| Other doubtful commitm. as a percentage of gross loans 1) | 0.98 % | 1.03 % | 0.97 % | 1.23 % | 1.00 % | 1.03 % | 1.00 % | 0.99 % | 0.86 % |
| Solidity 2) | |||||||||
| Common equity Tier 1 capital ratio | 18.3 % | 17.6 % | 17.2 % | 16.3 % | 17.2 % | 15.1 % | 15.0 % | 14.8 % | 14.6 % |
| Tier 1 capital ratio | 20.0 % | 19.2 % | 18.9 % | 18.0 % | 19.3 % | 16.7 % | 16.6 % | 16.4 % | 16.3 % |
| Capital ratio | 22.3 % | 21.4 % | 21.1 % | 20.1 % | 21.6 % | 18.9 % | 18.8 % | 18.6 % | 18.5 % |
| Tier 1 capital | 18,636 | 18,290 | 18,182 | 17,792 | 17,742 | 17,417 | 17,284 | 16,775 | 16,472 |
| Total eligible capital | 20,759 | 20,373 | 20,266 | 19,879 | 19,854 | 19,765 | 19,634 | 19,115 | 18,743 |
| Liquidity Coverage Ratio (LCR) | 171 % | 140 % | 163 % | 185 % | 148 % | 181 % | 165 % | 180 % | 183 % |
| Leverage Ratio | 7.1 % | 7.1 % | 6.9 % | 6.9 % | 7.5 % | 7.4 % | 7.5 % | 7.4 % | 7.4 % |
| Key figures ECC | |||||||||
| ECC share price at end of period (NOK) | 97.60 | 84.30 | 78.30 | 67.60 | 100.20 | 98.50 | 97.70 | 87.40 | 84.20 |
| Number of certificates issued, millions 1) | 129.39 | 129.44 | 129.39 | 129.22 | 129.30 | 129.48 | 129.66 | 129.41 | 129.62 |
| Booked equity capital per ECC (including dividend) 1) | 94.71 | 92.73 | 90.37 | 86.85 | 90.75 | 89.36 | 87.04 | 83.86 | 83.87 |
| Profit per ECC, majority 1) | 1.99 | 2.35 | 3.27 | 1.26 | 1.60 | 2.30 | 3.21 | 5.02 | 1.90 |
| Price-Earnings Ratio 1) | 12.28 | 8.96 | 5.98 | 13.46 | 15.67 | 10.69 | 7.61 | 4.35 | 11.05 |
| Price-Book Value Ratio 1) | 1.03 | 0.91 | 0.87 | 0.78 | 1.10 | 1.10 | 1.12 | 1.04 | 1.00 |
| 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 | |||||||||
