Key figures from quarterly accounts
| Group (NOKm) | 4Q | 3Q | 2Q | 1Q | 4Q | 3Q | 2Q | 1Q | 4Q |
| 2023 | 2023 | 2023 | 2023 | 2022 | 2022 | 2022 | 2022 | 2021 | |
| Profitability | |||||||||
| Return on equity per quarter 1) | 18.3% | 11.1% | 15.1% | 13.0% | 13.1% | 10.9% | 12.9% | 12.6% | 12.7% |
| Cost-income ratio 1) | 48 % | 44 % | 41 % | 46 % | 45 % | 45 % | 43 % | 49 % | 49 % |
| Balance sheet figures | |||||||||
| Gross loans to customers | 169,862 | 168,940 | 166,819 | 153,181 | 152,629 | 150,247 | 148,681 | 147,023 | 147,301 |
| Gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | 236,329 | 234,316 | 232,100 | 213,967 | 211,244 | 208,900 | 205,504 | 199,965 | 195,353 |
| Deposit from customers | 132,888 | 138,230 | 140,164 | 123,529 | 122,010 | 120,558 | 123,812 | 114,053 | 111,286 |
| Total assets | 232,717 | 243,472 | 248,806 | 228,207 | 223,312 | 218,918 | 217,458 | 207,027 | 198,845 |
| Quarterly average total assets | 238,095 | 246,139 | 238,507 | 225,759 | 221,115 | 218,188 | 212,243 | 202,936 | 199,492 |
| Growth in loans incl. SB1 Boligkreditt and SB1 Næringskredtt last 12 months 1) | 0.9 % | 1.0 % | 8.5 % | 1.3 % | 1.1 % | 1.7 % | 2.8 % | 2.4 % | 1.8 % |
| Growth in deposits last 12 months | -3.9 % | -1.4 % | 13.5 % | 1.2 % | 1.2 % | -2.6 % | 8.6 % | 2.5 % | 1.5 % |
| Losses in % of gross loans incl. SB1 Boligkreditt and SB1 Næringskreditt | |||||||||
| Impairment losses ratio 1) | 0.03 % | 0.06 % | 0.05 % | -0.13 % | 0.04 % | 0.04 % | -0.09 % | 0.00 % | 0.07 % |
| Stage 3 as a percentage of gross loans 1) | 0.88 % | 0.98 % | 0.99 % | 0.96 % | 0.97 % | 1.02 % | 1.08 % | 1.62 % | 1.68 % |
| Solidity | |||||||||
| Common equity Tier 1 capital ratio | 18.8 % | 19.7 % | 19.1 % | 18.2 % | 18.9 % | 19.2 % | 18.8 % | 18.3 % | 18.0 % |
| Tier 1 capital ratio | 20.8 % | 21.3 % | 21.0 % | 20.1 % | 20.9 % | 20.8 % | 20.4 % | 19.8 % | 19.6 % |
| Capital ratio | 23.0 % | 23.7 % | 23.5 % | 22.2 % | 23.1 % | 23.0 % | 22.7 % | 21.9 % | 21.6 % |
| Tier 1 capital | 23,793 | 24,283 | 24,192 | 21,985 | 21,835 | 21,252 | 20,547 | 19,797 | 19,322 |
| Total eligible capital | 26,399 | 26,950 | 27,106 | 24,298 | 24,147 | 23,546 | 22,910 | 21,839 | 21,333 |
| Liquidity Coverage Ratio (LCR) | 175 % | 173 % | 188 % | 194 % | 239 % | 180 % | 204 % | 155 % | 138 % |
| Leverage Ratio | 7.2 % | 7.3 % | 7.2 % | 6.9 % | 7.1 % | 7.3 % | 6.9 % | 7.0 % | 6.9 % |
| Key figures ECC | |||||||||
| ECC share price at end of period (NOK) | 141.80 | 137.20 | 141.00 | 123.60 | 127.40 | 111.40 | 115.80 | 141.20 | 149.00 |
| Number of certificates issued, millions 1) | 144.20 | 143.82 | 143.80 | 129.43 | 129.29 | 129.29 | 129.31 | 129.39 | 129.39 |
| Booked equity capital per ECC (NOK) 1) | 121.05 | 116.39 | 112.81 | 105.63 | 109.86 | 107.19 | 102.91 | 99.55 | 103.48 |
| Profit per ECC, majority (NOK) 1) | 5.62 | 3.28 | 4.21 | 3.51 | 3.53 | 2.89 | 3.20 | 3.20 | 3.20 |
| Price-Earnings Ratio (annualised) 1) | 6.31 | 10.47 | 8.38 | 8.79 | 9.02 | 9.62 | 9.06 | 11.05 | 11.65 |
| Price-Book Value Ratio 1) | 1.17 | 1.18 | 1.25 | 1.17 | 1.16 | 1.04 | 1.13 | 1.42 | 1.44 |
| 1) Defined as alternative performance measures, see attachment to the quarterly report. 2) Historical numbers have been revised after the subsidiary SpareBank 1 Markets has been reclassified to held for sale from Q4 2022. See more information in Note 2. |
|||||||||
