3rd quarter 2023

  • Pre-tax profit NOK 996m (785m)
  • Net profit NOK 740m (617m)
  • Return on equity 11.1 per cent (10.9 per cent)
  • CET1 ratio 19.7 per cent (19.2 per cent)
  • Growth in lending 1.0 per cent (1.7 per cent) and in deposits minus 1.4 per cent (minus 2.6 per cent)
  • Net result of ownership interests was minus NOK 2m (108m)
  • Net result of financial instruments (incl. dividends) was NOK 99m (minus 22m)
  • Losses on loans and guarantees NOK 35m (NOK 22m)
  • Earnings per equity certificate (EC) NOK 3.28 (2.89)
  • Book value per EC NOK 116.39 (107.19)
Collage-20232

Return on equity

11.1 %

Net profit

740 mill

Core capital ratio

19.7 %

30.09.23

19.2 %

30.09.22

Growth in lending

last 12 months

12.2 %

30.09.23

8.8 %

30.09.22

Growth in deposits

last 12 months

14.7 %

30.09.23

9.9 %

30.09.22

© SpareBank 1 SMN