Main figures
| January - March | |||
| From the income statement (NOKm) | 2022 | 2021 | 2021 |
| Net interest | 758 | 668 | 2,796 |
| Net commission income and other income | 637 | 790 | 2,832 |
| Net return on financial investments | 235 | 289 | 1,026 |
| Total income | 1,630 | 1,748 | 6,655 |
| Total operating expenses | 762 | 796 | 2,993 |
| Results before losses | 868 | 952 | 3,662 |
| Loss on loans, guarantees etc | 0 | 59 | 161 |
| Results before tax | 868 | 893 | 3,501 |
| Tax charge | 169 | 131 | 609 |
| Result investment held for sale, after tax | -1 | 6 | 10 |
| Net profit | 698 | 768 | 2,902 |
| Interest Tier 1 Capital | 21 | 20 | 50 |
| Net profit excl. Interest Tier 1 Capital | 677 | 748 | 2,852 |
| Balance sheet figures | 31 March 2022 | 31 March 2021 | 31 Dec 2021 |
| Gross loans to customers | 147,023 | 137,471 | 147,301 |
| Gross loans to customers incl. SB1 Boligkreditt and SB1 Næringskreditt | 199,965 | 185,342 | 195,353 |
| Deposits from customers | 114,053 | 102,390 | 111,286 |
| Average total assets | 202,936 | 190,867 | 196,229 |
| Total assets | 207,027 | 193,822 | 198,845 |
| January - March | |||
| Key figures | 2022 | 2021 | 2021 |
| Profitability | |||
| Return on equity 1) | 12.5 % | 14.8 % | 13.5 % |
| Cost-income ratio 1) | 47 % | 46 % | 45 % |
| Deposit-to-loan ratio excl. SB1 Boligkreditt and SB1 Næringskreditt | 78 % | 74 % | 76 % |
| Deposit-to-loan ratio incl. SB1 Boligkreditt and SB1 Næringskreditt 1) | 57 % | 55 % | 57 % |
| Growth in loans (gross) last 12 months (incl. SB1 Boligkreditt and SB1 Næringskreditt) 1) | 7.9 % | 8.5 % | 6.9 % |
| Growth in deposits last 12 months | 11.4 % | 16.2 % | 14.1 % |
| Losses in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | |||
| Impairment losses ratio 1) | 0.00 % | 0.13 % | 0.09 % |
| Stage 3 as a percentage of gross loans 1) | 1.62 % | 1.66 % | 1.68 % |
| Solidity | 31 March 2022 | 31 March 2021 | 31 Dec 2021 |
| Capital ratio | 21.9 % | 21.9 % | 21.6 % |
| Tier 1 capital ratio | 19.8 % | 19.7 % | 19.6 % |
| Common equity Tier 1 capital ratio | 18.3 % | 18.0 % | 18.0 % |
| Tier 1 capital | 19,797 | 18,636 | 19,322 |
| Total eligible capital | 21,839 | 20,741 | 21,333 |
| Liquidity Coverage Ratio (LCR) | 155 % | 190 % | 138 % |
| Leverage Ratio | 7.0 % | 7.0 % | 6.9 % |
| Branches and staff | |||
| Number of branches | 40 | 42 | 40 |
| No. Of full-time positions | 1,556 | 1,544 | 1,548 |
| 1) Defined as alternative performance measures, see attachment to quarterly report | |||
| Key figures ECC | 31 March 2022 | 31 March 2021 | 31 Dec 2021 | 31 Dec 2020 | 31 Dec 2019 | 31 Dec 2018 |
| ECC ratio | 64 % | 64 % | 64 % | 64 % | 64.0 % | 64.0 % |
| Number of certificates issued, millions 1) | 129.39 | 129.22 | 129.39 | 129.39 | 129.30 | 129.62 |
| ECC share price at end of period (NOK) | 141.20 | 107.40 | 149.00 | 97.60 | 100.20 | 84.20 |
| Stock value (NOKM) | 18,270 | 13,878 | 19,279 | 12,629 | 12,956 | 10,914 |
| Booked equity capital per ECC (including dividend) 1) | 99.55 | 96.70 | 103.48 | 94.71 | 90.75 | 83.87 |
| Profit per ECC, majority 1) | 3.20 | 3.40 | 13.31 | 8.87 | 12.14 | 9.97 |
| Dividend per ECC | 0.00 | 0.00 | 7.50 | 4.40 | 6.50 | 5.10 |
| Price-Earnings Ratio 1) | 11.05 | 7.91 | 11.19 | 11.01 | 8.26 | 8.44 |
| Price-Book Value Ratio 1) | 1.42 | 1.11 | 1.44 | 1.03 | 1.10 | 1.00 |
| 1) Defined as alternative performance measures, see attachment to quarterly report |
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