Key figures from quarterly accounts

Group (NOKm) 2Q 1Q 4Q 3Q 2Q 1Q 4Q 3Q 2Q
  2022 2022 2021 2021 2021 2021 2020 2020 2020
Profitability                  
Return on equity per quarter 1) 12.9% 12.5% 12.7% 12.4% 14.3% 14.8% 8.9% 10.5% 15.1%
Cost-income ratio 1) 48 % 47 % 47 % 44 % 43 % 46 % 51 % 45 % 41 %
                   
Balance sheet figures                  
Gross loans to customers 148,681 147,023 147,301 143,972 141,935 137,471 134,648 133,640 130,627
Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt 205,504 199,965 195,353 191,976 189,015 185,342 182,801 179,423 175,100
Deposit from customers 123,812 114,053 111,286 109,691 110,133 102,390 97,529 95,391 94,289
Total assets 217,458 207,027 198,845 200,124 200,426 193,822 187,912 186,900 190,484
Quarterly average total assets 212,243 202,936 199,492 200,275 197,124 190,867 187,406 188,692 187,833
Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months 1) 2.8 % 2.4 % 1.8 % 1.6 % 2.0 % 1.4 % 1.9 % 2.5 % 2.5 %
Growth in deposits last 12 months 8.6 % 2.5 % 1.5 % -0.4 % 7.6 % 5.0 % 2.2 % 1.2 % 7.0 %
                   
Losses in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt                  
Impairment losses ratio 1) -0.09 % 0.00 % 0.07 % 0.07 % 0.08 % 0.13 % 0.54 % 0.52 % 0.39 %
Stage 3 as a percentage of gross loans 1) 1.08 % 1.62 % 1.68 % 1.80 % 1.87 % 1.66 % 1.23 % 1.30 % 1.35 %
                   
                   
Solidity                   
Common equity Tier 1 capital ratio 18.8 % 18.3 % 18.0 % 18.1 % 18.3 % 18.0 % 18.3 % 17.6 % 17.2 %
Tier 1 capital ratio 20.4 % 19.8 % 19.6 % 19.7 % 20.0 % 19.7 % 20.0 % 19.2 % 18.9 %
Capital ratio 22.7 % 21.9 % 21.6 % 21.8 % 22.2 % 21.9 % 22.3 % 21.4 % 21.1 %
Tier 1 capital 20,547 19,797 19,322 19,265 19,011 18,636 18,636 18,290 18,182
Total eligible capital 22,910 21,839 21,333 21,338 21,105 20,741 20,759 20,373 20,266
Liquidity Coverage Ratio (LCR) 204 % 155 % 138 % 163 % 184 % 190 % 171 % 140 % 163 %
Leverage Ratio 6.9 % 7.0 % 6.9 % 6.9 % 7.0 % 7.0 % 7.1 % 7.1 % 6.9 %
                   
Key figures ECC                  
ECC share price at end of period (NOK) 115.80 141.20 149.00 129.80 119.20 107.40 97.60 84.30 78.30
Number of certificates issued, millions 1) 129.31 129.39 129.39 129.39 129.36 129.22 129.39 129.44 129.39
Booked equity capital per ECC (incl. dividend) 1) 102.91 99.55 103.48 103.57 100.18 96.70 94.71 92.73 90.37
Profit per ECC, majority 1) 3.20 3.20 3.20 3.22 3.51 3.40 1.99 2.35 3.27
Price-Earnings Ratio 1) 9.06 11.05 11.65 10.09 8.50 7.91 12.28 8.96 5.98
Price-Book Value Ratio 1) 1.13 1.42 1.44 1.25 1.19 1.11 1.03 0.91 0.87
1) Defined as alternative performance measures, see attachment to the quarterly report
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