Note 3 - Account by business line

For the subsidiaries the figures refer to the respective company accounts, while for joint ventures incorporated by the equity method the Group’s profit share is stated, after tax, as well as book value of the investment at group level.

 

Group First half 2022                  
Profit and loss account (NOKm) RM CM SB1 Markets EM 1 SB 1 Finans MN SB 1 Regnskaps-huset SMN Other* Uncollated Total
Net interest 597 644 1 2 222 0 - 92 1,559
Interest from allocated capital 51 42 - - - - - -93 -
Total interest income 648 686 1 2 222 0 - -1 1,559
Comission income and other income 411 134 380 219 -49 343 - -57 1,382
Net return on financial investments *) -3 4 53 8 -13 - 152 79 279
Total income 1,056 824 434 229 160 343 152 20 3,220
Total operating expenses 464 234 316 177 54 289 - -14 1,520
Ordinary operating profit 593 590 118 52 106 54 152 35 1,700
 Loss on loans, guarantees etc.  -10 -48 - - 9 - - -0 -48
Result before tax  602 638 118 52 97 54 152 35 1,748
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Group First half 2021                  
Profit and loss account (NOKm) RM CM SB1 Markets EM 1 SB 1 Finans MN SB 1 Regnskaps-huset SMN Other* Uncollated Total
Net interest 547 554 -7 1 227 -0 - 45 1,366
Interest from allocated capital 12 2 - - - - - -14 -
Total interest income 559 556 -7 1 227 -0 - 31 1,366
Comission income and other income 442 119 500 234 -45 317 - -29 1,538
Net return on financial investments *) 2 7 58 10 - - 340 143 560
Total income 1,003 682 550 245 182 317 340 144 3,464
Total operating expenses 443 216 371 183 57 257 - 3 1,531
Ordinary operating profit 560 466 179 62 125 60 340 141 1,933
 Loss on loans, guarantees etc.  -9 100 - - 6 - - 1 98
Result before tax  569 366 179 62 118 60 340 140 1,836
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Group 2021
Profit and loss account (NOKm) RM CM SB1 Markets EM 1 SB 1 Finans MN SB 1 Regnskaps-huset SMN Other* Uncollated Total  
Net interest 1,128 1,106 -7 2 450 0 - 117 2,796  
Interest from allocated capital 37 14 - - - - - -52 -  
Total interest income 1,165 1,120 -7 2 450 0 - 66 2,796  
Comission income and other income 906 251 782 441 -90 562 - -20 2,832  
Net return on financial investments *) 2 15 126 10 4 - 705 164 1,026  
Total income 2,074 1,386 901 453 364 562 705 210 6,655  
Total operating expenses 916 446 647 382 141 477 - -16 2,993  
Ordinary operating profit 1,157 940 254 71 224 85 705 226 3,662  
 Loss on loans, guarantees etc. -10 145 - - 25 - - 1 161  
Result before tax 1,167 795 254 71 198 85 705 225 3,501  
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*) Specification of other (NOKm) First half
2022		 First half 2021 2021
SpareBank 1 Gruppen 29 215 471
SpareBank 1 Boligkreditt  -8 7 16
SpareBank 1 Næringskreditt 2 7 7
BN Bank 96 82 164
SpareBank 1 Kreditt 6 1 13
SpareBank 1 Betaling -6 -4 -15
SpareBank 1 Forvaltning 18 8 32
Other companies 14 24 13
Income from Other businesses 152 340 701
SpareBank 1 Mobilitet Holding (incl in SB 1 Finans MN)   -13 - 4
Net income from investmen in associates and joint ventures 139 340 705
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© SpareBank 1 SMN