Key figures from quarterly accounts

Group (NOKm) 2Q 1Q 4Q 3Q 2Q 1Q 4Q 3Q 2Q
  2023 2023 2022 2022 2022 2022 2021 2021 2021
Profitability                  
Return on equity per quarter 1) 15.1% 13.0% 13.1% 10.9% 12.9% 12.6% 12.7% 12.4% 14.3%
Cost-income ratio 1) 39 % 45 % 40 % 42 % 44 % 43 % 43 % 41 % 39 %
                   
Balance sheet figures                  
Gross loans to customers 166,819 153,181 152,629 150,247 148,681 147,023 147,301 143,972 141,935
Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt 232,100 213,967 211,244 208,900 205,504 199,965 195,353 191,976 189,015
Deposit from customers 140,164 123,529 122,010 120,558 123,812 114,053 111,286 109,691 110,133
Total assets 248,806 228,207 223,110 218,918 217,458 207,027 198,845 200,124 200,426
Quarterly average total assets 238,507 225,759 221,115 218,188 212,243 202,936 199,492 200,275 197,124
Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months 1) 8.5 % 1.3 % 1.1 % 1.7 % 2.8 % 2.4 % 1.8 % 1.6 % 2.0 %
Growth in deposits last 12 months 13.5 % 1.2 % 1.2 % -2.6 % 8.6 % 2.5 % 1.5 % -0.4 % 7.6 %
                   
Losses in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt                  
Impairment losses ratio 1) 0.05 % -0.13 % 0.04 % 0.04 % -0.09 % 0.00 % 0.07 % 0.07 % 0.08 %
Stage 3 as a percentage of gross loans 1) 0.99 % 0.96 % 0.97 % 1.02 % 1.08 % 1.62 % 1.68 % 1.80 % 1.87 %
                   
                   
Solidity                   
Common equity Tier 1 capital ratio 19.1 % 18.2 % 18.9 % 19.2 % 18.8 % 18.3 % 18.0 % 18.1 % 18.3 %
Tier 1 capital ratio 21.0 % 20.1 % 20.9 % 20.8 % 20.4 % 19.8 % 19.6 % 19.7 % 20.0 %
Capital ratio 23.5 % 22.2 % 23.1 % 23.0 % 22.7 % 21.9 % 21.6 % 21.8 % 22.2 %
Tier 1 capital 24,192 21,985 21,835 21,252 20,547 19,797 19,322 19,265 19,011
Total eligible capital 27,106 24,298 24,147 23,546 22,910 21,839 21,333 21,338 21,105
Liquidity Coverage Ratio (LCR) 188 % 194 % 239 % 180 % 204 % 155 % 138 % 163 % 184 %
Leverage Ratio 7.2 % 6.9 % 7.1 % 7.3 % 6.9 % 7.0 % 6.9 % 6.9 % 7.0 %
                   
Key figures ECC                  
ECC share price at end of period (NOK) 141.00 123.60 127.40 111.40 115.80 141.20 149.00 129.80 119.20
Number of certificates issued, millions 1) 143.80 129.43 129.29 129.29 129.31 129.39 129.39 129.39 129.36
Booked equity capital per ECC (NOK) 1) 112.81 105.63 109.86 107.19 102.91 99.55 103.48 103.57 100.18
Profit per ECC, majority (NOK) 1) 4.21 3.51 3.53 2.89 3.20 3.20 3.20 3.22 3.51
Price-Earnings Ratio (annualised) 1) 8.38 8.79 9.02 9.62 9.06 11.05 11.65 10.09 8.50
Price-Book Value Ratio 1) 1.25 1.17 1.16 1.04 1.13 1.42 1.44 1.25 1.19
                   

1) Defined as alternative performance measures, see attachment to the quarterly report
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