3rd quarter 2022

  • Pre-tax profit: NOK 788m (849m)
  • Post-tax profit: NOK 617m (675m)
  • Return on equity: 10.9 per cent (12.4 per cent)
  • CET1 ratio: 19.2 per cent (18.1 per cent)
  • Growth in lending: 1.7 per cent (1.6 per cent), in deposits a decline of 2.6 per cent (decline of 0.4 per cent)
  • Lending to personal customers rose 1.3 per cent in the quarter (2.0 per cent), 1.5 percentage point lower growth than in the second quarter. Lending to corporates rose 2.4 per cent (0.7 per cent) which was 0.5 percentage point lower than in the second quarter.
  • Deposits from personal customers declined 1.9 per cent (decline of 0.5 per cent), compared with growth of 6.6 per cent in the second quarter. Deposits from  corporate clients declined 3.1 per cent (decline of 0.3 per cent) compared with growth of 9.9 per cent in the second quarter
  • Net result of ownership interests: NOK 109m (179m)
  • Net result of financial instruments (incl. dividends): NOK 39m (69m)
  • Losses on loans and guarantees: NOK 22m (31m), 0.04 per cent of gross outstanding loans (0.07 per cent)
  • Earnings per equity certificate (EC): NOK 2.89 (3.22). Book value per EC: NOK 107.19 (103.57)
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