(Consolidated figures. Figures in parenthesis refer to the same period of 2021 unless otherwise stated)

• Profit before tax and business held for sale: NOK932m (773m)
• Net profit: NOK 768m (703m)
• Return on equity: 13.1% (12.7%)
• CET1 ratio: 18.9% (18.0%)
• Growth in lending: 1.1% (1.8%) and in deposits: 1.2% (growth of 1.5%)
• Lending to personal customers rose 1.0% in the quarter (1.6%), 0.2 percentage points lower growth than in the third quarter. Lending to corporate clients rose 1.4% (2.1%) which was 1.0 percentage point lower growth than in the third quarter
• Deposits from personal customers rose 1.4% (1.4%), compared with a decline of 1.9% in the third quarter. Deposits from  corporate clients rose 1.1% (1.5%), compared with a decline of 3.1% in the third quarter
• Net result of ownership interests: NOK 195m (186m)
• Net result of financial instruments (incl. dividends): minus NOK 33m (minus 18m)
• Losses on loans and guarantees: NOK 19m (32m), 0.04% of gross loans (0.07%)
• Earnings per equity certificate (EC): NOK 3.53 (3.20). Book value per EC: NOK 109.86 (103.48)

Preliminary annual accounts 2022

• Profit before tax and business held for sale: NOK 3,324m (3,266m)
• Net profit: NOK 2,785m (2,902m)
• Return on equity: 12.3% (13.5%)
• Growth in lending: 8.1% (6.9%) and in deposits: 9.6% (14.1%)
• Growth in lending to personal customers was 6.7% (6.8%) and in lending to corporate clients 11.1% (7.1%)
• Lending to retail customers accounts for 67% (68%) of total lending
• Deposits from personal customers rose 8.4% (9.8%) and deposits from corporate clients rose 10.5% (17.2%)
• Net result of ownership interests: NOK 442m (705m)
• Net result of financial instruments (incl. dividends): minus NOK 61m (gain of 134m)
• Net recovery of losses on loans and guarantees: NOK 7m (loss of 161m), 0% (0.09%) of gross lending
• Earnings per EC: NOK 12.82 (13.31)
• The board of directors proposes a dividend of NOK 6.50 per EC (NOK 7.50) which is 50.7% of the net profit, and a community dividend of NOK 474m (547m)