3rd quarter 2021

  • Pre-tax profit: NOK 849m (619m)
  • Post-tax profit: NOK 675m (519m)
  • Return on equity: 12.4% (10.5%)
  • CET1 ratio: 18.1% (17.6%)
  • Growth in lending: 1.6% (2.5%) and decline in deposits of 0.4% (growth of 1.2%)
  • Lending to personal customers increased by 2.0% in the quarter (2.2%), 0.2 percentage point lower growth than in the second quarter. Lending to corporate clients increased by 0.7% (3.0%) which was 0.8 percentage point lower than in the second quarter
  • Deposits from personal customers were reduced by 0.5% (decline of 1.1%), compared with growth of 6.9% in the second quarter. Deposits from corporate customers were reduced by 0.3% (2.9%), compared with growth of 8.0% in the second quarter
  • Net result of ownership interests: NOK 179m (170m)
  • Net result of financial instruments (incl. dividends): NOK 69m (34m)
  • Losses on loans and guarantees: NOK 31m (231m), 0.07% of gross loans (0.52%)
  • Earnings per equity certificate (EC): NOK 3.22 (2.35). Book value per EC: NOK 103.57 (92.73)
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